davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've been trying to clean up my credit report so that I can build my credit and there are a few things I've been disputing with all 3 credit bureaus for almost 1 year now, they have only fixed 2 items but never give me responses! And every time I send a dispute to XXXX, the only response they're giving me is stall tactic responses, this is not providing the information I requested, and it's not fixing the negative items on my report either! I've been disputing late payments on a XXXX XXXX account, XXXX account, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX but the only late payments fixed was on Equifax with XXXX XXXX and the charge off with XXXX XXXX XXXX on Equifax . I have requested at least 6 times now to provide the proof that I was late, I do not show this in my records that I have and no one has provided this. I either do not get a response at all or I get continuous stall letters, this is not acceptable!
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Big Picture Loans, LLC (GA)

On XX/XX/2019, I filled out an application for payday. When completing the application it asks when did I get paid. I marked XX/XX/XXXX and the last day of the month. Before signing the application and accepting the payment I stated to the representative that I get paid on the XX/XX/XXXXand last day of the month. The representative stated that it wouldn't be a problem and they will correct. Once I notice that they didn't fix the problem I called them back. The representative told me that there nothing I can do about the contract was signed. I am explaining to the representative that I don't get paid until the XX/XX/XXXX which is the last day. The representative started getting smart and I told me that the issues wasn't going to get fixed. 

I need them to resolve the problem because it causing my account to be overdrawn.
Consumer complaint received 2023-09-06
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

XXXX 's Credit Card I spent XXXX minutes today trying to get someone to talk to me and understand that I paid my bill on XXXX ( 3 days before the due date ). I had a confirmation code from my bank, which they never would listen to, and would never allow me the opportunity to send copies of when the bill was paid by XXXX. After calling XXXX different times only getting to speak with XXXX actual people it was taken care of. Here is the real issue. I received the bill yesterday, I went to my bank to pay it and the quickest it can arrive to Comenity is XXXX to the person I spoke with it took 10 days for them to process my last payment at Comenity once XXXX received it ( hence the late fee ). This is unacceptable by any standard, if the next payment arrives on the XXXX according to them it will still be late because they can't process it until the XXXX, which make XXXX the payment that's due on the XXXX LATE AGAIN. 

I am a stay at home mom who has XXXX minutes to fight to get my money back. Most people don't have this luxury. I am writing for all the other people they are scamming late fees and interest out of.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a U.S. Bank Business Checking account on XX/XX/19. U.S. Bank was running a promotion from XX/XX/19 - XX/XX/19, during which if I opened an account and deposited {$5000.00}, I would receive a {$400.00} bonus within 45 days. I deposited {$5000.00} by XX/XX/19, and as of writing this complaint on XX/XX/19, I have not received the bonus. The banker that opened this account and U.S. Bank have both been unhelpful and misleading. In fact, I was told that I had already met the bonus requirements, only for a banker to tell me that I needed to upgrade my existing checking account, to see if that would " fix '' the bonus. Unbelievable.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX my balance fell below the {$300.00} minimum which I was not aware off since I did not check my Bank of America Savings account. And was charged the {$5.00} maintenance fee until XX/XX/XXXX so for 10 months a total of {$50.00} in fees when I realized that then I contacted customer service in XX/XX/XXXX and they were only able to credit me {$10.00}. And was told that I need to maintain {$300.00}. So that is what I did to maintain the {$300.00} minimum. 

Then to my surprise I was charged another {$5.00} maintenance fee for the month of XXXX on XX/XX/XXXX and that caused my balance to drop my balance below the {$300.00} minimum so in XX/XX/XXXX I saw what happened so I contacted Customer service and they refunded me the {$5.00} maintenance fee. 

Then to my surprise on XX/XX/XXXX I was charged another $ 5 monthly maintenance fee. I guess now I am told that if anytime during the month if the balance drops below {$300.00} then I will be charged the monthly maintenance fee so it looks like that happened between XX/XX/XXXX to XX/XX/XXXX but the reason why that dropped is because your $ 5 monthly maintenance fee caused the drop in balance and all this issues. So it was due to them that caused the drop below the {$300.00} due to the fee. So in retrospect I should of been credited {$10.00} not {$5.00} for XXXX and for XXXX instead I was charged another {$5.00} fee in XXXX. 

All I am asking is to refund me the XX/XX/XXXX {$5.00} maintenance fee because it was because of your system that caused me to drop below the {$300.00} minimum. 

You could say it is my fault for not paying attention and not understanding the rules but as a customer your practices are not consumer friendly and really what you should do is in the Account summary page highlight a warning that the minimum amount is not met and that maintenance fees are warranted. For now I will have to add extra funds to make sure even if I get charged a fee that I don't drop below the {$300.00} minimum. But your practices in fees are really questionable and not consumer friendly. I am sure this is also happening to others and not just me.
Consumer complaint received 2019-10-30
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: AMERICAN EXPRESS COMPANY (IL)

After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Data Finance, LLC (CA)

Personify ( Applied Data Finance ) knows that I am represented by an attorney yet the continue to contact me to solicit me not once, but twice in XXXX. This is a violation under the California Fair Debt Collections Practices Act 1692 c ( c ) After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. 
No lawsuits are filed as if this time. I want this harassment to stop, but it keeps on going instead.
Consumer complaint received 2023-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (TX)

I sent a debt verification letter on XX/XX/2023 that was never responded to. I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. t claims it was opened in XXXX of XXXX but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

SPS designed a repayment plan that I can not afford, also I can not afford a XXXX dollar a month payment. The repayment plan was designed using incorrect income and expense numbers. Its way to high and I don't understand why they would design a plan that does not fit my budget, wages and expenses. The plan I feel was based on high income numbers, my income has decreased considerably because I have serious XXXX XXXX such as XXXX  XXXX XXXX, I want them to change the plan and make it reasonable to what I can afford to pay, all they are doing instead of helping me, is setting me up for failure and foreclosure. I think there lending practices to me is very unprofessional and they refuse to work with me for a solution although they keep telling me that they are going to help. They have not done anything to help me, and I am afraid of losing my home.
Consumer complaint received 2019-10-30
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. (UT)

XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting an account on my credit. XXXX XXXX was the original creditor and they then sold the collection to XXXX XXXX, however XXXX XXXX is still reporting the account to my credit. This is in violation and I need these collections removed off of my credit.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NM)

I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.
Consumer complaint received 2019-10-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (KS)

From the beginning of this loan process, no one would reply to us about the documents needed until our realtor called and spoke to a supervisor. Then they sent documents we needed. Less than a week before closing they called again saying our file is cleared and we just need about 3 more documents and if we had them all in by Monday we could close on time on Thursday. We had all our documents in on Sunday and Monday at XXXX we were contacted saying they are still working on clearing our file. Now they are saying our move in date wont be until Friday which they still havent contacted us or sent a CD in order to even close on time Friday.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/19 My credit was ran and a report was issued by EQUIFAX for a house I rented. I have a copy of the report. 

XX/XX/19 I tried to open a cable account and they could not verify my identity so I contacted Equifax and even though I was able to answer numerous questions I would only know they said they could not verify my identity either. I suspected it may because I put a freeze on my account several years ago, although they would not confirm that either. Equifax is requesting that I verify my identity which is going to take several weeks and requires me to mail or fax sensitive information. In the meantime I became ( and still am ) very concerned something fraudulent was/is happening in view of Equifax having all the correct information but still unable to verify my identity. 

My complaint is that I am being denied access to my credit report while anyone else is able to retrieve it. 

Fortunately, I was able to access report from XXXX which shows no fraud, however I am concerned about Equifax because I have had several problems with them over the years with mis-information and then failing to correct it upon receipt of supporting documentation and I suspect this is going to be handled the same way.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

During Covid I contact the Company informed them we want working Doing that Time 4 late payments was still reported to all major credit Burea according to the Law 15usc 16815-2 ( a ) ( 1 ) ( cp ) all information During Covid Should be reported late on my credit report
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (OH)

i signed a year lease with XXXX property management company i began having issues with the house i lived in i advised the rental company several times of the issues. 1st issue was the basement flooded do to a crack in the foundation of the house the property management company had several companies come out to get estimates to repair but no repair was done in a timely fashion the basement ended up flooding causing damage to my belongings i filed a insurance claim through my renters insurance they denied claim stating that flood damage was not covered but owners could possibly have coverage for that. I then contacted XXXX and informed them sent then denial from renters insurance and pictures of damaged items totaling around XXXX dollars. They then had maintenance come out in cheaply repair the wall. this happen in XXXX XXXX my second issue was the air conditioning unit going out in them not repairing it for over a month i have XXXX children that were in the house with me when temperature got almost 100 degrees outside. my 3rd issue was the mold growing in the basement where they were notified by the health department to make repairs within 30 days in they failed to do so. they company is trying to collect over XXXX dollars in back rent they say is owed to them but took my deposit were there is no where in the lease that says my deposit will be fortified for unpaid rent they should have applied it to the unpaid rent they say was owed. I then in XX/XX/XXXX get a call from a collection agency called national credit systems demanding money and being very rude and unprofessional every time they called i informed them of me having a attorney because a rent escrow case was filed before our lease was up and they still continued to call and advise me of debt owed. i need this debt to be removed from my credit and also the joint persons credit that is on the lease with me. i have tried to reach out to XXXX plenty of times and they are always given me the run around about why i was charged for XXXX rent when the lease ended XX/XX/XXXX and we moved out before XX/XX/XXXX.
Consumer complaint received 2023-09-06
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. (MO)

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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NJ)

This company failed to provide any official mail to my address to verify this debt, I asked for footage of me physically entering the gym and I also asked for a liable signed document that I obtain a membership and this gym and they failed to provide no evidence