davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (FL)

I have filed a complaint against Equifax Credit Reporting Agency on XX/XX/XXXX and would like to add to it. Initially I was concerned only with what I thought was obviously affecting my credit score but after reviewing my entire report I have other concerns that I would like to call attention to for review and correction while a review is already being done. Please also consider the following : ( 1 ) I would like to have the Consumer Statement dated XX/XX/XXXX with a removal date of XX/XX/XXXX deleted. I never requested this Consumer Statement. I do recall asking Equifax to remove one of two " Hard Inquiries '' pulled on the same day by two different resources representing the same credit organization for the same loan. Also, there is no inquiry on my report dated XX/XX/XXXX, so the date used in this statement is obviously incorrect and no " inquiry '' stays on the credit report for this long ( six years ). I do not understand why this statement ( negatively referring to one of my most used creditors ) was even put on my report. 

( 2 ) Remove the two closed XXXX XXXX XXXX XXXX  accounts with negative account activity and 1st delinquency dates of XX/XX/XXXX. 

( 3 ) Correct the closed XXXX XXXX XXXX account to show a {$0.00} balance and last and actual payment to be {$11000.00} as this account was paid in full. 

( 4 ) Remove the closed XXXX XXXX account ending in XXXX. How can the date of 1st delinquency be XX/XX/XXXX when the account is showing to be 90 days late in XX/XX/XXXX? ( Therefore, the account had to be delinquent in XXXX and it is time for removal. ) ( 5 ) Remove the $ 40 monthly payment showing in the Credit Accounts section under the Summary. The balance for revolving accounts showing on the credit report is only {$13.00}. 

( 6 ) I am providing the following documents : -email from year XXXX from XXXX XXXX XXXX XXXX have been removed from my account as stated in my initial complaint -verification of payoff to XXXX XXXX XXXX including interest
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2019-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC (AL)

I recently received a promotional offer ( see attachments ) from OPP Loans to apply for a loan. According to the offer, I'd already received a " pre-approved '' status for a potential loan of {$500.00} - {$4000.00}. On XX/XX/2019, I went online to apply for a loan. After submitting my application, I received results showing that I qualified for a loan of {$2000.00} ( according to the loan term agreement ). 

During the loan process, I provided income information ( a copy of my most recent pay stub ), confirmed my credit union information via my online account, and signed a loan term agreement for a {$2000.00} loan. I also included child support as part of my income, but the application never requested proof of other income nor did they reach out to me for that information. I actually signed a loan term agreement at least twice due to a change of terms in the agreement ( appeared the initial payment date was updated since the first agreement was already showing a payment was due on XX/XX/19 ). 

On XX/XX/2019, I decided to reach out to the loan company around noon to see what was going on with the process and I was advised by a rep ( a male ) that my loan was under review and that I should hear something back by XXXX XXXX CST. However, I received an email just before XXXX XXXX   CST stating my loan was denied. I was confused because I thought when I signed the loan term agreement showing the loan amount, that meant my loan was already approved. I contacted a rep ( a female ) with the company and she advised she wasn't able to provide why my loan was denied and that I would have to submit a request for that information. I told her how misleading the process was and she just kept apologizing and saying how she understood my frustration. I also received a denial email ( see attachments ). 

In summary, I applied for a loan based on the promotional offer that I received in the mail, but I was denied only after my personal financial information was already submitted and a loan term agreement / contract was signed. My question is why would I need to sign a loan term agreement and confirm my banking information if I wasn't approved for the loan? I feel as if this company 's loan process is very misleading. They shouldn't have provided a loan term agreement / contract for a loan that doesn't exist. How do I know they won't still try to deduct money from my bank account based on the signed loan term agreement? If you notice on one of the emails attached, they stated they would need this information " before funding your account '' ; indicating my loan had been approved.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (PA)

Dear Sir or Madam : I am a victim of identity theft. There are accounts that appear on my credit report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was also informed that my information was a part of a medical facility Data Breach. 

There are also inaccurate addresses shown on my credit file. I have reported this information as fraudulent to the Federal Trade Commission as well as all bureaus. However, the fraudulent addresses are still are reporting on my account, which is making it more likely that someone can obtain credit fraudulently under my name. 

The correct and current and ONLY address that should be on my credit file is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have lived at this address since XXXX of XXXX. I have attached my lease. Prior to this from the age of XXXX old up to XXXX yrs old, I lived at my parents home at : XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete and block any and all other address reporting on my credit file. 
The following addresses do not belong to me and I am requesting that they be deleted and blocked from reporting to my credit file, as they do not belong to me. I have never lived at these address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was sending {$4000.00} to my newly opened bank account at Bank Of America from my other account from XXXX XXXX so I can cut a check to the mortgage company for my down payment. XXXX XXXX does not have checks and Bank of America only allows a maximum of {$1000.00} per transfer. I did 4 separate transfers so I can meet the {$4000.00} needed for my Bank of America XXXX BOA ) Account. 

The transfers were suppose to take 3 days to post to my Bank of America Account. After 3 days I checked my BOA account on XX/XX/21 and it would not let me log in. I contacted BOA and they said your account has been closed and to call back in 24 hours. They said they are investigating it and could take up to 3 months to refund the money. They told me I should call back in 24 hours. 

On XX/XX/21 I went to A branch for further information and the local bank said that they couldn't see the reasoning of why the account was closed because it is private on their end and told me to call risk management. 

Later on XX/XX/21 I called the BOA department of risk management She said the account was not closed unlike the previous person I have spoken to at the bank. She said the account will be closed because it was a BOA business decision ( no further explanation from them ). She said I will not get my money back until the account is closed and investigation is completed. It will take 10 to 15 days after the investigation to send out the money and had no conclusion on when the investigation will be done. They stole my money and are making money off of it for their business when I need my funds for my house. They are hanging onto the money while I struggle to make ends meet. They are putting my ability to purchase a house on the line and are doing part slowly at their pace. I did nothing wrong.
Consumer complaint received 2021-04-22
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. (NC)

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2022-11-04
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other 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 ) 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 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2020 I called Experian to alert them that Boost was not capturing all of my XXXX monthly payments and it is not boosting my credit as promised. The costumer service rep said she would open a dispute to fix the issue. 

On XX/XX/2020 I received an alert on my phone prompting me to check my Experian account for updates. Instead of fixing the issue they removed the service completely from my account which directly cause my credit score to dropped 12 points and negatively impacted my credit with XXXX  and XXXX. 

I placed a called immediately call to get some help and answer. Instead all I have received are lies, misleadings promise of email sent to my inbox with link to fix the problem that never materialized. I was told by a supervisor name XXXX that no, he's not going to fix or help me and I should just delete it. He was extremely unprofessional, nasty, aggressive  and I was left feeling as if he enjoyed the destruction of my credit. 

Further more, why would Experian hire people that are not based in the USA that truly understand English and the importance of having and maintaining good credit. 

I called yesterday XX/XX/XXXX and spoke with yet another supervisor who lied and tried to blame it on my bank ( XXXX XXXX ). Help was never coming my way. The hurtful part is that I am looking at my year and a half deleted history that no one at Experian will put back in so my score can be boost. Again, I NEVER ASKED FOR IT TO BE REMOVED! 

The Experian Boost advertisements need to be pulled from airing on all platforms because it is a LIE! They put this narrative of help to people like myself as a tool to help your credit but it's a ploy to pull you in to force you to spend money and when you don't spend money with them they weaponized Boost against you and drop your score. And leave you to deal with nasty, rude, cruel unprofessional representatives. 

How truly disgusting can these people be? I have been doing the work to rebuild my credit and they LIED and ABUSE my naivety to their benefit so I am filing a complain and I trust you all take me very serious and hold them accountable.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

I refinance my home in XX/XX/XXXXwent to closing in XX/XX/XXXX. At the time of loan origination, an escrow account establishedsix months of taxes and insurance payment where collected. The loan closed in XX/XX/XXXX. The loan was sold to XXXX  XXXX  and Dovenmuehle mortgage to services the loan. The escrow account was never setup, once the loan transferred to the servicer Dovenmuehle mortgage. There are funds currently in my escrow account ; however, the escrow account was not setup and payments where not sent. For the last seven months, to no prevail, I have tried to get Dovenmuehle mortgage to setup the escrow account and pay the taxes and insurance. As of XX/XX/XXXX, the escrow account has not been setup or fees paid.

The last seven months ' journey, I have called each month since XX/XX/XXXX, The latest request made XX/XX/XXXX, for the escrow account to be setup and taxes paid were expedited to the insurance department. However, that did not happen. I have spoken with two different supervisors, XXXX and XXXX ; neither one has been any help. When asked to talk with someone higher than a Supervisor, XXXX transferred me to Ms. XXXX, only to find out she a supervisor herself. I asked to speak with someone in upper Management, Ms. XXXX refused. She advised I could not talk with anyone higher than a supervisor, and I have to wait for an email regarding my request. Since my seven month journey, I paid the insurance and taxes, to avoid my home owner insurance from being Canceled and any more non-payment penalties towards the taxes. Dovenmuehle mortgage doesn't have any way of filing a formal complaint, other than an email address. The amount of my tax bill in XX/XX/XXXX is XXXX ; as of today, including late penalties, the tax payment is XXXX to avoid any more late penalties, I paid the taxes myself today, XX/XX/XXXX. The home owner insurance payment made several months ago.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (DE)

I was banking with XXXX XXXX  at one point. But they closed my account due to a check being deposited into my account. I had called XXXXXXXX XXXX  and reported my card stolen and explained to them that I didn't know why I wasn't able to log into my mobile app. Thats when they told me a fake check was deposited into my account. Besides that I had my card stolen at a party I had attended. I always write my PIN number on the back of my bank card or any other card I own so I won't forget. On top of that I received a phone call to give my routing and account number. I just thought it was important to do so. Now I'm in a bad situation. Can someone please point me in the right direction. I deeply appreciate it. I tried to even bank with Pnc Bank but they won't let me open an account with them either.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

XXXX of XXXX we applied for and were granted a forbearance on our mortgage. We skipped 5 payments. We have made all the payments on time after the 5 skipped payments. In XX/XX/XXXX Citizens approved the repayment plan to set the past due payments at the end of our current loan ( see attached ). I have had to call and make payments through the loss mitigation department and most of the time I have great difficulty understanding the person I am talking to because the call center is not in the U.S. I have called and asked that our account be moved out of loss mitigation at least 10 times this year. No one has been able to tell me why our account is still in loss mitigation. I was told several different things by every person I have talked to, " your account in under review by our investors '', " our department is behind and we don't have the staff to get caught up '', everyone of the calls I was told that person would expedite our account and I should call back in 2 weeks, the last person I talked to told me it would take at least another 90 days but could not tell me why. Because of this our credit report shows us as delinquent. We are unable to use their website to make payments and I must verify a large amount of information every time I call. We feel like we are being punished by this company.
Consumer complaint received 2022-07-28
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. (OH)

pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian has not sent me any documentation to whom they investigate to get the items on my consumer report verified.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

OnXX/XX/2020 I applied for a refinance of my mortgage with Amerisave. I was provided a personalized rate quote to refinance my first mortgage balance with XXXX and a home equity line of credit with XXXX. Upon reviewing the rate, I agreed to proceed and paid the application fee of {$500.00}. 

For the next few weeks, I worked with Mr. XXXX from Amerisave to provide all the relevant documents that they have asked for, including the payoff statement from XXXX on our HELOC. On XX/XX/XXXX they notified me that our loan is ready to close. However, upon reviewing the terms, the cost of the loan, I noticed that both the interest rate and the cost had changed to much higher than it was originally quoted. I contacted the company and was told that they have made a mistake and because the loan is now classified as cash-out refi that the rate and cost changed. I informed the company rep who I was working with and said that his explanation made no sense because I was notified by XXXX ( HELOC ) that a request for the payoff of the loan was received and approved. At this time, I told Mr. XXXX that I am not going to accept the revised rate and terms and would like to receive my deposit back. 

On XX/XX/20 I was contacted by Mr. XXXX, MrXXXX XXXX supervisor and he reiterated the mistake and offered me a new rate and cost. At which time I shared with them that since I rejected Amerisave new terms, I have applied for and locked a new loan with XXXX. I inquired about my request for a refund of my application and was told that it has been processed. 

Since then, I have contacted the company 3 additional times and each time I was given different answers but still no news as to when to expect the refund.
Consumer complaint received 2023-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was scammed out of {$500.00} from an individual claiming to be a mechanic for an auto body shop. My friend had backed into someone in a parking lot of a motel. This person said he would handle it for the said amount. Tuns out this person just took the money and ran. I had transferred the funds from my cash app account. I had made a refund request but cash app said that they can't do anything til transaction was completed. But I received a message saying that the transfer was complete and they couldn't do anything else there of.Now just what went wrong here I'm really confused. Please help.
Consumer complaint received 2021-08-22
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. (NJ)

XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!
Consumer complaint received 2022-07-28
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.