davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (MD)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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: DISCOVER BANK (NY)

I am writing to dispute the inaccurate information on my credit report concerning collections and charge-offs. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC, I have the right to dispute information that I believe is incorrect or incomplete. 

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 Discover Bank- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-14
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Westlake Services, LLC (FL)

I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE XXXX CAR LOANS FROM THE SAME COMPANY XXXX THAT IS CHARGED OF WITH ABALANCE OF XXXX AND XXXX THAT IS CURRENTLY THAT I 'M CURRENTLY DRIVING ACCT # XXXX. THE CAR DEALER HAS REPORTED A CAR LOAN THAT I 'M NOT DRIVING OR AGREED TO PAY FOR WEST LAKE FINANCIAL ACCT # XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting 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. (MN)

I am having an issue of getting my free annual credit report from XXXX XXXX, XXXX and Equifax. I want XXXX XXXX, XXXX and Equifax to mail me a complete copy of my free annual credit report. Full Name : XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXXXXXX XXXX Drivers License Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Email Address : XXXX, Phone Number : ( XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

During in XXXX XXXX XXXXXXXX, I requested {$5000.00} to be refunded to me as part of the COVID cares act, my current servicer at the time.

This charge was then applied back to my loans but I never received a refund check. 

I am now paying extra interest on these payments but have not received my refund. 

Ed Financial also slow-played the refund request and said it was submitted but when I called XXXX later in XXXX of XXXX, they it had not processed. 

After years of following up, the loan servicer continues to say that it is not in their hand and that the department of education handles this. 

After talking with the department of education, they said that it is the loan servicer that should make this distribution. 

I feel that Ed financial is withholding student loan refunds so that they can continue to profit without having to pay me back in a timely manner. This is highly unethical and it is likely happening to other people in repayment as well. 

I also found that my autopay had been going to loans that were paid off, which was accruing a negative balance.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (MO)

I pulled my credit report again on XX/XX/year> and seen that XXXX XXXX XXXX has been placed back on my credit file saying that they verified that this account is accurate but have been removed from my credit file mutilpe times without showing mt prrof of the debt they say i owe them. I have asked for the bill of sale and also reqested that this company been on a cease and desist until they can prove the I made a consent or any business with them. They have damaged my life and my credit over the years and I demand this to stop immediatel under 15 USC 1693 ( g ) and 15 USC 1692 ( c ). They have now sold the debt to Alliance One Recievables Managent , Inc which I also want to request a cease and desist to as well for trying to attempt to collect a debt that is not mine but cant not prove that I have consent or done business with. I have been demanding a proof of bill of sale or a purchase agreement for this debt but XXXX  get nothing but a piece of papper with credit card statements saying that is validation proof which anyone can get a copy of a statement on a XXXX letter paper.
Consumer complaint received 2024-10-07
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. (GA)

The loan being reported as closed on my Equifax report with 9 missed payments was reporting being serviced by XXXX XXXX XXXX XXXX  on my XXXX credit report on the dates you report to have had my loan with XXXX  Please remove your account from my credit report completely due to inaccurate reporting pursuant to FCRA 15 US 1681 ( I ) section ( 5 ) ( a ) ( I ). I have uploaded my XXXX and Equifax credit report where the error reporting is made. If no changes are made I will pursue legal action against you and the credit bureaus.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX ( Items for dispute ) Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-03-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

My complaint is regarding a late fee Bank of America ( BOA ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with BOA for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to BOA to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

XXXX evrthing seem good my cell phone my XXXX went beezerk and started acting funny didnt make much of it so I XXXX XXXX alone and it seemed to me I would have to nuy a anew XXXX XXXX XXXX  all my accounts my XXXX and other information was counterfitend and then use against my will here is the result of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

I am writing to formally dispute the inaccurate reporting of an account listed as " ALLY CREDIT CARD '' on my XXXX credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the status indicates " Transfer, Paid, Sold, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.
Consumer complaint received 2015-04-14
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: WELLS FARGO & COMPANY (GA)

Homeowner received letter of collection from XXXX XXXX XXXX. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. Wells Fargo Bank informed XXXX XXXX informed HOMEOWNER, he needed to call XXXX XXXX XXXX. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported XXXX XXXX, XXXX Wells Fargo Bank Mortgage/Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXX XXXX has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. XXXX XXXX has excelled at putting people out of their homes and into the street. 
XXXX XXXX for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.XXXX also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by XXXX XXXX personnel. Robo signing may not have been possible without the tenacity of XXXX XXXX. XXXX XXXX has, and they certainly have profited greatly. HOMEOWNER asked XXXX XXXX XXXX Assistant Attorney ( XXXX XXXX ) about verification and XXXX stated what Wells Fargo tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to XXXX XXXX XXXX attorney firm. 
On XXXX XXXX, 2013, Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. WELLS FARGO HOME MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. XXXX XXXX XXXX RESPONDED WE JUST GO BY WHATC WELLS FARGO Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. XXXX XXXX informed XXXX XXXX XXXX, he needed to call XXXX XXXX XXXX.
Consumer complaint received 2016-02-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MA)

Please be advised ; Credit card Company sold my Account to 3rd party ... after my bankruptcy discharge. Now 3rd party has put remarks on my credit report as of XXXX. The discharge was XX/XX/XXXX. Be aware, keep your report updated. This is illegal to do against Consumer. Bankruptcy laws, very specific, you can not keep hammering the consumer after the fact. All and any debt, notifications, phones calls, mail, any type of contact or harassment by the debtor is forbidden, even posting remarks on credit report. Read the Bankruptcy laws credit card Companies and smarten up!!!
Consumer complaint received 2015-03-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!
Consumer complaint received 2024-09-30
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXXXXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a chapter XXXX in 2006, Equifax reported this as XXXX separate bankruptcies and it is still on record. XXXX failure was reporting it XXXX, reducing my score substantially. Second failure, this is outdated and should be removed. It is not a chapter XXXX which stays on for XXXX years, it is a chapter XXXX which should be removed after XXXX and has been by the other agencies. I have disputed this several times however it is not getting resolved, most recenetly this month. In addition, the information I recieved says that a bankruptcy was added to my report. I have to pull my report but that means that either they changed the date or now I have XXXX? This is getting rediculous.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (TX)

On Monday of this week, I logged on to Avantcredit.com. The website said I could check my rate and loan amount without effecting my credit. I answered the questions and was pre-approved for a large dollar loan. I was only needing {$2500.00} and not the huge loan amount that was pre-approved. After three days, my loan still had not been approved. I called their customer service and was told they needed to verify my employment. Each day I would call and received the same response, waiting to verify employment. On the 4th day after calling and letting them know I had filed a complaint with the XXXX, they denied my loan. I believe this may have been retaliation?? Avant is a sub prime lender with extremely high interest rates. It 's pretty hard to be denied a loan by these type of finance companies. I have also had a loan with this company in the past and paid the loan off well before the final payment. This company is very misleading when they state you are pre approved for a loan up to a certain dollar amount. It does not say anything about based on additional credit criteria after applying for the loan. It also stated my credit would not be effected when applying??? Not so sure abut this yet. It will take a few weeks to show up on my credit report. My other complaint about this company is that they ask for your user ID and password to your personal checking account. I was extremely uncomfortable providing this information. They claim the information will be kept secure. Based on my experience with this company, I do n't think anything is secure with them.
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

I have a residential mortgage with Freedom Mortgage for about 7 years. They collect XXXX per month towards escrow. My taxes and insurance come to XXXX per year. This should leave a surplus of XXXX per year yet every year I get a shortage letter and they can not tell me where my money is going. This is the first time I have stopped to research it and I am mad. I realize there should be a 20 % cushion but XXXX plus they want XXXX more as a shortage amount is absurd. I need someone that can get them to be accountable for every dime I gave them towards escrow as they will not communicate with me.
Consumer complaint received 2015-08-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU (CA)

In XXXX 2014 I XXXX and went to XXXX XXXX XXXX where I had been admitted to emergency room. 
They took XXXX, and told me that I had to go and see a doctor who would be able to read them and figure out a treatment plan for me. 
I received XXXX bills:1 - from an emergency room doctor2 - for the emergency room chargesEverything had been taken care of. 
I picked up a CD with XXXX XXXX and visited a physician outside of the hospital. He viewed the XXXX and gave me instructions on what to do next. 
XXXX months later I receive a bill from the XXXX technician of the XXXX XXXX XXXX claiming that he read the XXXX for me. 
I have not even seen him, and I have never seen his readings. If I had, I would not have to see another doctor. 
When I tried to explain it to the hospital`s accounting representative, she won`t listen. 
They had Fresno Credit Bureau collect the debt for them. 
Their reps were calling me every day telling me to pay the debt. Finally, I gave up, as it is very frustrating and stressful to deal with them. 
I went to the website and paid the amount they claimed as my debt - {$83.00}. 
The payment went through, but then got rejected. I contacted them, and they told me that the amount went up, and it is around {$150.00} now. 
I really hope you can help me with this issue, I`m trying to rebuild my credit, and I do not need another debt in my credit history. 
I appreciate your time. 
Regards, XXXX XXXX