davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. XXXX XXXX was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : XXXX account number XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I got my account closed and informed nothing could be done. I made several calls but never given any reason or what i did that led to the closure. I do respect their decision and i have no problem with it. However, i got a mail saying that they might report me to XXXX XXXX and XXXX XXXX XXXX 
The day i got my account closed there happened to be a sudden deposit of XXXX $ and it could reflect on my balance. Then when i called the bank, they said they couldn't see such a transaction from XXXX. 
I wonder why i have to be a victim of all these while i never did anything. How i'm supposed to explain the sudden deposit and it's disapperance. The bank themaelves never gives any reason but keeps telling there nothing that can be done. 
What i'm supposed to do? Do i take responsibility for something i never did and i honestly have no explanation or any idea what happened? Do i take responsibility for something i never did? How i'm supposed to prove something i didn't do or something that i dont know?
Consumer complaint received 2023-07-19
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. (AL)

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 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 a 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 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 2022-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (IL)

As of XX/XX/2022 have not received any information about this collection. I disputed all my credit bureaus due to unverified information. This is fraud and is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State Law. In addition, is a violation of the HIPAA Act. This must be REMOVED.
Consumer complaint received 2022-06-30
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Around XXXX on XX/XX/XXXX, I received a message via XXXX XXXX regarding the sale of my bed I had in the XXXX XXXX XXXX The buyer went by the name, XXXX and supposedly sent me {$100.00} for the bed. However, I received an email from XXXX stating that my XXXX  account needed to be upgraded to receive the XXXX and I was to send {$400.00} via XXXX and would be refunded a total of {$500.00}. Due to XXXX 's security measures, it didn't send the funds so I sent the funds through PayPal to XXXX XXXX XXXX for a total of {$400.00} after the paypal fee. This amount has since been returned to my bank due to an insufficient balance. I sent this amount around XXXX on XX/XX/XXXX. I would receive XXXX other emails regarding a tax and vat fee for {$500.00} to XXXX XXXX ( sent around XXXX ), and then a certificate fee for {$300.00} to XXXX XXXX XXXX sent around XXXX ). Each email promised I would be refunded the full amount and an additional {$50.00} for the inconvenience. However, the last step was to give them my bank account and login information which I refused to do. 

Each of these transactions was sent via paypal 's friends and family services despite it being a supposed goods and service transaction because that is what I was instructed to do. I have been on the phone with both XXXX  XXXX XXXX and paypal multiple times over the course of several weeks with no solution and no recourse. Paypal won't do anything because of how I sent the funds and even the dispute I filed was denied. My bank won't do anything either because of how the funds were sent and I have been overdrawn close to {$400.00} since the XXXX when the paypal transactions reached my bank. The {$400.00} amount has since been returned or it would be overdrawn over {$700.00}. 

I have been able to put a stop payment for the XXXX  transactions so far to hopefully prevent further attempts. However, I do have a negative amount now of {$400.00} on my PayPal balance because the bank has returned it so it is still affecting me. 

I have told both agencies that this was a scam and despite them being sympathetic to my circumstances nothing has been done. 

The attached screenshots are as follows : the initial email states that XXXX, the assumed name of the person who was supposedly interested in my product, had sent me {$100.00} but my account needed to be upgraded. 
The amount of {$400.00} was to be sent to the 'buyer ' which would be XXXX XXXX XXXX which would be a total of {$400.00} the following emails show the vat and tax fee and email address to send it to as well as the certificate fee and the email address to send it to. 
the last email shows the " last step '' I would need to do to get all the money refunded to my account which included giving my bank account and login information. 

Following the last email, I stopped all contact with the " buyer '' and reported them. I did not give them my bank account information.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (TX)

This is regarding complaint XXXX. You stated that according to your records, the disputed account does not appear on my current Experian credit report, but I will attach my current report showing the account XXXX XXXX XXXX XXXX XXXX that you are reporting as a paid collection when this account never went into collections. I submitted everything in XXXX and you guys updated the account from owing a balance to paid and closed. This account was never in collections and no other bureau is reporting this inaccurate information. I will attach my payment in XXXX. Your argument isn't that I'm incorrect, it's that the account isn't reporting which it is. Remove the collection status from this account and update to paid and closed, never late. If this is not update immediately, I will be pursuing small claims court due to sufficient evidence of negligence and inaccurate reporting. This is also affecting many credit opportunities for me because of false reporting so I can also sue for defamation of character.
Consumer complaint received 2022-06-30
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)

I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.
Consumer complaint received 2022-06-30
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 is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA (VA)

This complaint involves two banks : First National Bank of Omaha and XXXX XXXX  XXXX We opened account with XXXX in XXXX We requested balance transfer We were not granted the amount requested and the pop up said we would be notified if they were able to do a transfer We received the card late XXXX We signed up for online services and upon doing so saw a transfer pending - although we were unsure to where Later we saw that the transfer was complete but did not see it on any account we had Contacted XXXX  XXXX XXXX numerous times and have been in contact with and discussed with 5 Executive advocates that each tell us that we need to resolve this issue with FNBO because they cashed the check. Its my understanding that XXXX has contacted FNBO and they are saying that can't speak with them about the issue or use the Miss applied balance info that has been sent because they are not the customer and that my husband and I will have to do this. They have also completed a dispute for us just yesterday after two months of requesting help after a manager at XXXX and FNBO spoke and disagreed on the next steps. We have been told in no uncertain terms that XXXX can do nothing else for us. Listen to all the recorded calls please. 

Contacted FNBO as requested by XXXX. We usually can not get farther than the associate- although lately, we have been able to get a manager to discuss. FNBO says that it is XXXX that needs to resolve this. I have sent a copy of the cashed check to FNBO 4 times to the accounting department. Apparently, because the check has not been applied to an account it is in limbo. So they say it is XXXX  that we need to talk to. 

The check for balance transfer had many issues. The account number was incorrect XXXX has made it clear that we must have made that mistake - Ok maybe we did it is our XXXX XXXX XXXX number except one number is incorrect. The check was sent to XXXX XXXX XXXX  XXXX XXXX and cashed by First National Bank of Omaha. The check was for {$470.00} and was written on XX/XX/23 and per my statement cashed XX/XX/23. It has my husbands name and address. It is confirmed that the routing and acct number on the back are in fact FNBO. 

It is ludicrous that I have to continue to call each place and spend hours of my time on the phone and emailing to get this resolved. We are also currently paying for this balance transfer on my XXXX  account to which we have had no benefit.
Consumer complaint received 2022-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I have reached out to JP Morgan Chase auto finance to request verification Of a XXXX XXXX XXXX. I have noticed something strange on this account, so I asked the representative to verify this account and to mail me everything. all I received was a chase logo address with my name and some type of finance charge that is not proper send missing the contract and the finance charge papers. I have waited more than two weeks and today XX/XX/XXXX, I reached out to chase and ask them again to send me the original contract with my wet signature. that representative who took my call she assured me that she sent me the contract and the finance charge which is the one I am attaching on this file I also told the representative to follow the procedures of 12 CFR 1006.42 which is required by law the representative misleading the communication tell me to reach out to my local post office and ask them why my mail have not arrived and just for the information she mislead my mail is received accurately on my address I am asking JPMorgan Chase to follow those procedures and if you can not verify this account correctly remove it from my credit report there is a procedure that you JP Morgan Chase auto finance needs to obey and follow.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Appraisal was completed on XX/XX/XXXXfor removal of PMI and came back with my LTV being 75.6 %. Company states that I need to have 75 % for removal of PMI when 80 % is the correct amount. Customer service supervisor mentioned I should file a complaint if I do not agree with this.
Consumer complaint received 2022-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (OH)

Pnc refinanced our equity loan on XXXX. The loan was just paid off XX/XX/2022. They charged a late fee on XX/XX/XXXX due to their booking issue however the rep. Said they would refund the XXXX charge. How can they charge us interest on 2 loans at the same time for the same type of loan class and not backdated the payoff resulting in an additional XXXX  per day of interest plus they're charging me interest on the new loan we have with them with higher rate and balance. The same house the same company and both heloc eqty loans. So double interest. Illegal. I believe pnc needs a State of Ohio Audit done on all refinances seeing they can not double dip and charge late fees when we closed with them on the XXXX. I worked in XXXX  15 years and also was the XXXX XXXX  who helped XXXX XXXX who was your XXXX and I know for a fact if fees or interest are charged this way we would get nailed for it. How may customers refinances has this happened too with PNC? I'm sure it never happened at XXXX XXXX XXXX where I worked or we would've been shut down. Now if they can prove otherwise then no problem. Also the due date went from XX/XX/XXXX to XX/XX/XXXX for a first payment so does that mean 2 months interest due on our first payment? The ist payment should be 30 to 45 days from closing date of XX/XX/XXXX. Therefore XX/XX/XXXX is too far out.
Consumer complaint received 2022-06-24
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. (SC)

In accordance with the Fair Credit Reporting act the flowing companies have violated my rights. 

XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX XXXX, Account number ending in XXXX XXXX Card Services, Account number ending in XXXX XXXX / XXXX, Account number ending in XXXX 15 U.S.C 1681 Section 602 A, states I have the rights to privacy. 

15 U.S.C. 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, 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. (MD)

In accordance with the Fair Credit Reporting act XXXX and 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 a account without my written instructions
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

I request the removal of this account from my credit report as it has been over 7 years. The date on my credit report is inaccurate, and it states XXXX as the year. The charges were a result of the natural disaster Harvey, which affected me and forced me out of my home during the period when the charges were made. ( {$750.00} Despite my attempts to explain the situation to the company in XXXX, they continued to charge me without understanding. I can provide documents as proof that I was affected by Harvey at the time. The account is set to be removed from my credit report next year XXXX, however, it should be XXXX.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

On XX/XX/2023 I was alerted by my XXXX app that an open collections had been placed on my credit report by Amsher XXXX Collections on behalf of XXXX for {$400.00}. I was alarmed because I have never done business with XXXX ever in my life. I immediately checked my credit report for other fraudulent activity, but found none. I then disputed the collections with all three of the credit bureaus, but found Amsher later supposedly verified the information, which is again false. Amsher sent me the bill from XXXX that they were basing their information on, and I found it was from and address that I haven't lived at for over 10+ years. Amsher sent me a form for identity theft and instructed me to complete it and sent to XXXX, but again they never verified that I opened the account with a SSN #, signed document, store that they were purchased at..nothing, because again it was not me. I contacted XXXX directly and created a case with them ( case # XXXX ), but have yet to hear anything back from them. I have emailed Amsher several times asking to speak to a XXXX to have this fraudulent collections removed, but have not heard anything back. After looking up online what should I do, I found that many other consumers have had the exact issues with both XXXX and Amsher Collections. When I contacted XXXX, they could not verify the XXXX # that the phones were purchased with, and there was no hit on my credit reports ( hard or soft hit ) on my credit report for XXXX. It appears that Amsher found the matching name and previous address on my credit reports and simply applied the collections to my credit report with any due diligence on their part. I am very frustrated as this has cost me both time and money to get something off my credit report that should have never been put on there in the first place.
Consumer complaint received 2022-06-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (WV)

I owe a significant amount, over {$160000.00}, under what I believe was predatory recruitment for loans. 
I did not qualify for FASFA, so my school counselor ONLY spoke of Sallie Mae, knowing I was going out of state. I am a first generation college grad, so my family had no idea of the effect a debt like this would have. We were under the impression that repayment options, such as loan forgiveness and income based payments, were going to be an options. 
My payments are almost {$1200.00} a month. I am living EXTREMELY below the poverty line because of my loans. I have tried to settle with Sallie Mae, with only being told to get a second job, of which I have had 3 at a time to make ends meet.

My co-signers are not in a position to pay outright. They feel they are harassed multiple times daily by Sallie Mae and it was ruined our relationships; making help with payments even less likely. 
I have tried to settle with {$90000.00} and was rejected. 
I am out of options. I have no idea what to do. I feel I have ruined my life by being guided to get Sallie Mae loans.