davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AR Resources, Inc. (PA)

This collection agency does not stop calling me after many times that I have told them, I've been a victim of identity theft and this account does not belong to me. It's been several years now and they as the company refuses to take it off my credit report and does not stop calling me. I have tried for them many times to stop calling me, take the collection of my three credit reports and nothing yet. Please assist with this matter.

Thank you
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX XXXX  in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX XXXX  agreed to correct the status on the XXXX  XXXX account being reported to reflect the accurate " XXXX '' status. Consumer challenged the XXXX  XXXX XXXX  account ending in XXXX with XXXX and Equifax demanding that the account data that was furnished meet FCRA requirements. Consumer provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the Equifax XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. Consumer is now seeking legal action along with acceptable direction from a credit attorney.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, Trans Union and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Hello, On XX/XX/19 I placed an add on the classified ads at XXXX wanting to buy a XXXX XXXX XXXX XXXX XXXX XXXX A person named XXXX XXXX responded, sent pictures and said he had a kit for sale. His email address is XXXX. He provided instructions for me to use paypal, but specified friends and family. I did not realize that this was not the same paypal I am used to that gives protection. 

Of course this was a scam and I never received the airplane. However, within 8 hours of sending the funds I opened a dispute with paypal. 

My belief is that Paypal should have a popup when you do friends and family that warns you will have no recourse if item fails to ship. I have yused PP many times and have actually used the protection when an item failed to ship. I did not realize that this was different. Their fine print specifies it, but only after I looked. 

I lost {$360.00}
Consumer complaint received 2019-05-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MN)

To whom it may concern, I graduated from college in XXXX. It is now XXXX and my loan has gone from XXXX to XXXX. 
I consolidated my loan to help me get all my loans in one place, this averaged my interest rate and actually make my debt load more. 

I spoke with someone recently at XXXX XXXX XXXX and inquired about lowering my payment. The problem is lowering my payment on a income based repayment plan isnt helping because its the interest that continues to accrue and then balance that continues To go up not down. 
The woman I spoke to explained to me that my interest at 6.38 % is {$13.00} a day, which is XXXX a month. My {$290.00} monthly payment doesnt even get to the principal balance. If I choose to defer my loan when I have trouble paying the interest is capitalized onto the principal balance and again my loan goes up not down. 
I have a XXXX XXXX that I owe XXXX dollars on and have paid on for 7 years. The more money I make the more I need to pay so I can never get ahead. I cant find a job with my degree and cant go back to school because more loans. 
I am writing to try to get somewhere. Ive asked to lower my interest rate to refinance to potentially change companies ( although this companys customer service has answered my questions ) I do feel like I am being taken advantage of and really in a place of desperation as I have children and work as hard as I can and will soon need to retire myself. 
I dont understand how this company can basically add so much interest that the loan has more of a balance than when I started paying. XXXX more and it will keep growing not shrinking. She said if I defer to keep up on interest. I can not pay XXXX a month in interest when I cant afford my $ XXXX monthly payment. 
Both my parents are deceased. I am the first one in my family to attend college. I would like to help my children with college. Is this the America Dream to die from student loan debt? 
I am a XXXX female. I am educated. This feels unfair. I wanted to be a XXXX. I wanted a career. I had a dream of helping children. I cant go back to get a XXXX   certificate because my student loan debt is to high. 
I feel sorry for our future generations of this is what they have to look forward to. Why cant student loan companies charge a reasonable amount of interest and not try to punish you when you struggle to pay or cant afford the maximum payment? Can something be done to make XXXX XXXX more fair to its borrowers? Isnt this company with the Department of Education? Why are they trying to make so much money off of us? What can be done? 

Thank you for your time.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

I purchased a {$100.00} prepaid XXXX on XX/XX/XXXX. Immediately after purchase I went online and registered the card and changed the PIN. Today I tried to use it and the purchase was declined. I went online to check my balance and the {$100.00} balance had been zeroed out at a XXXX store in California at XXXX hours on XX/XX/XXXX. This will be the absolute last time i will ever purchase XXXX of these US Bank prepaid cards. I had two {$100.00} prepaid cards that were fraudulently zeroed out less than one month ago. US Bank needs to get their act together and either stop selling these or figure out a way to keep the funds safe for the purchaser of the card.
Consumer complaint received 2023-07-24
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

This consumer reporting agency, XXXX XXXX XXXX and Chex Systems is reporting inaccurate, outdated, or invalidated information on my consumer file.
Consumer complaint received 2024-10-25
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. (NJ)

This false reporting is not merely an error ; it reflects " actual malice, '' as XXXX, XXXX, equifax knowingly and recklessly disseminated incorrect information. The damage to my reputation has been substantial, and this defamation can not go unaddressed. IV. Financial Harm Resulting from Inaccurate Reporting Due to XXXX XXXXXXXX equifax  willful and knowing misreporting, I have been denied credit cards and auto financing, and I do not qualify for an SBA disaster loan that is critical to my financial stability. This violation of 15 U.S. Code 1681n entitles me to recover statutory damages, actual damages, and punitive damages. The financial setbacks I have experienced are directly attributable to XXXX, Equifax and XXXX irresponsible and unlawful actions Despite my repeated disputes, XXXX, Equifax and XXXX persisted in reporting this false information, demonstrating a clear pattern of willful noncompliance under 15 U.S. Code 1681i. This blatant disregard for accuracy and consumer rights is unacceptable and has further compounded the harm done to my financial standing.
Consumer complaint received 2023-07-24
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. (IN)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent ( NUMBER OF LETTERS ) previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

Our Regions Bank accounts were emptied by an unauthorized user beginning about XXXX XX/XX/2023 until we were obligated to close all our accounts at Region in XX/XX/2023. We believe that unauthorized person ( s ) were able to request and receive an ATM card without our knowledge or permission. 
Withdrawals were made that were out of character for the account by person ( s ) making maximum daily withdraws at Regions ATM machine XXXX miles away from where we live between XXXX XXXX XX/XX/2023. We went into the bank to report suspicious activity on our accounts- and the thefts continued despite our asking for a freeze and red flag any account activity! Several XXXX more was withdrawn after we alerted the bank to the fraudulent withdrawals. 
We have disputed these withdrawals and particularly demand to know who and how the request for the ATM was made with Regions Bank. We have provided the bank with all the evidence we can that we are victims of a crime of theft from our accounts for {$6900.00}. 
We provided Regions Bank with public information regarding the release of confidential banking information from Regions employee that impacted a large number of account holders in the area where our funds were illegally withdrawn. Regions, despite that evidence, denied our appeal. 
After 3 appeals to Regions Bank internal investigation, we continue to be denied a claim as they report the withdrawals were authorized. We have filed the necessary reports with our local Sheriff 's office and we forwarded that report to Regions Bank. A copy of the Victim 's Report from our Sheriff 's office has been forwarded to the area where the actual thefts occurred in XXXX XXXX FL. This Sheriff 's report will be forwarded to Regions Bank once it is assigned a case number and published. 
We are seeking any kind of external support to investigate our claims of fraud and seek to have our funds returned.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (UT)

I have spoken with Affirm on multiple occasions, I have financed several items through affirm and paid all in full. Affirm has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given affirm documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXXXXXX XXXX 2023 and in XXXX and XXXX in XXXXXXXXXXXX XXXX  2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked XXXXXXXX XXXX NOT to do this and still it happened. The company will not work with me to make this right.
Consumer complaint received 2019-01-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (OH)

New car purchased XX/XX/18.Preapproved loan with Honda Financial Services showing approval for new loan taken to dealer which was XXXX XXXX in XXXX, Ohio. Search for new car completed online using XXXX XXXX as a tool to try to get the best deal for car. Told by internet manager XXXX XXXX that once loan was approved she would receive approved loan application. Loan rate that I applied for online with Honda Financial Services was 1.9 % rate. Went into dealer and was told that the loan rate did not apply to the amount of months that I was financing for. I have written rate and months that I applied for and was still told that it did not apply to my purchase. The financial manager said that the rate that I would be financed for was 2.9 % evening after showing the approval amount and the rate and months applied for online prior to going into the dealership. The finance manager signature can not be read. I tried to contact the dealer to get his name but was not successful. He told me at the purchase time that he will make it work to base the new loan payment to be the amount of my previous loan amount of XXXX dollars. 
I was contacted online to complete a survey regarding my experience. I tried to be fair and honest about how I felt the transaction had went. I also received a phone call shortly afterwards asking how I felt about my experience at XXXX XXXX of XXXX, Ohio and told the person that I had completed an detail survey which was very lengthy. 
I contacted Honda Financial Services which had to be done by mail showing all of my documents from them when I applied online for the car loan and was told today that Honda Financial Services work independently from the dealers and that I would have to go back to the dealer XXXX  XXXX regarding the change of the loan rate. 
I am just trying to find out why the finance company and the dealer do not honor the rate after the customer apply and is approved for the loan. 
As I stated previously I have documents showing my approve rate.
Consumer complaint received 2023-07-24
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: WELLS FARGO & COMPANY (IL)

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account WF/Bobs discount that begins or ends with XXXX
Consumer complaint received 2023-07-24
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: FIRST ADVANTAGE CORPORATION (TX)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2023-07-24
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: Affirm Holdings, Inc (TX)

In XXXX, I noticed a late payment had been inaccurately reported to XXXX by Affirm Financing. I sent a formal letter to Affirm Financing and XXXX explaining the error on my credit report and included supporting documentation as exhibits including original purchase confirmation email, original payment receipt, and the additional payment receipt, bank statements, and transactional detail. Affirm did not respond to my letter and XXXX failed to perform a reasonable investigation. On XX/XX/2023, I sent a second notice to XXXX 's legal department and nothing was provided in writing as required by the FCRA.
Consumer complaint received 2019-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

In XX/XX/2019 I paid in full all amounts due on my mortgage to bring it current. The amount I paid was {$11000.00}. On XX/XX/2019 I received a bill saying that {$250.00} was past due. When I called Ditech Financial I was told they had misapplied funds to the escrow account and that error was to be corrected. I was told everything was in order and there was no back payment due. I asked for a corrected bill but was refused and told to pay the next mortgage payment due. I did so and that payment was received on XX/XX/2019. I received a billing from Ditech Financial alleging that there was a late charge due of {$30.00}. When I asked from where did that late charge come, I received a non-responsive answer of the our records show ... variety. When I asked for specifics I got the same response and told to dispute it if I wanted to do so. 
There is no back payments of any kind due. I am totally current. I did notice that Ditech Financial paid out {$30.00} from my escrow account to cover local real estate taxes due but that is not an arrears payment but an advance which they recover in the next payment. Billing me alleging a past due amount is totally false. 
I will appreciate whatever you can do to settle this matter in my favor. 
Since Ditch Financial is in bankruptcy court in NY XXXX XXXX I wonder if this billing is part of a strategy to bring in cash during reorganization? 
Thank you again for your assistance. 
XXXX XXXX
Consumer complaint received 2023-07-24
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: WELLS FARGO & COMPANY (IL)

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX under my name and different social fraudulently I have reached out to XXXX as well as debtors both have not corrected this fraudulent information for account WFXXXX discount that begins or ends with XXXX
Consumer complaint received 2019-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (GA)

My Mother passed on XX/XX/18 and I inherited her property via her will that had a mortgage with PNC bank. Within two weeks of her passing I sent the bank a partial payment of her mortgage and completed a modification application in XX/XX/XXXX. PNC returned the payment to me stating that I could not make a partial payment and advised me to proceed with the modification/loss mitigation application. I stated on the application that because she missed two closings due to someones negligence and lost out on a XXXX grant that the estate planned to possibly file a legal action on all parties involved and because resided in another state that I wanted to keep the property and place a tenant in the property. After five months of months of sending in extra documentation and multiple phone calls with loss mitigation and having at least five different points of contact PNC informed me that because the property was not my primary residence they had to deny my modification application, could not offer me any payment plans or loss mitigation options and subsequently filed a foreclosure notice on the property. I asked why they couldn't offer me any loss mitigation options and they informed me that FHA guidelines were extremely stringent and does not allow for modifications on non owner occupied properties whether inherited or not. I asked why wasn't my application denied within 30 to 60 days if I stated that it was not my primary residence and they told me that they did not know. This situation has caused me an extreme amount of XXXX and XXXX about my mothers property. Hopefully we can work this situation
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd. (OR)

XXXX XXXX XXXX XXXX called XXXXXXXX XXXX XXXXr. XXXX XXXX  does not accept personal calls. XXXX  XXXX  requested agency 's address to send a formal notice that personal calls are not accepted. Agency refused to provide. Agency stated they had no compliance department and no supervisor. Agency claimed corporation was " harassing '' it by stating that they were violating the FDCPA by not providing accurate contact information.