davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
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. (TN)

Have reported this server so times. I do not have a credit with this company nor a credit line or lending agreement for it to be reporting and this shouldnt be reported due to the fact, they only have a bill to verify not a legal binding document
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (DC)

XX/XX/XXXX I was in a terrible accident and I could n't make my car note payment which is actually to high and I have repeatedly attempted to get SunTrust Bank to lower my payment in order to avoid any financial issues with the bank. I have called them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX if I am not mistaken. Each time I have asked for a lower payment schedule only to be denied for several reasons. I am a XXXX XXXX XXXX with a limited income and at the time of the loan payment I was working at XXXX. However, I am no longer with XXXX and need to have my loan interest rate lowered, and the monthly payment as well to ensure that I can not only pay for the vehicle but not continue to have their debt collectors, and repossession office calling me leaving messages. My car payment stands at {$380.00} with an interest rate of 6.84 % which if could be lowered I would n't have any issues with keeping my payments current and up-to-date. Today,XX/XX/XXXX, I was speaking with one of their collectors XXXX he would n't give me his last name but his # id number is XXXX. I stated to him that I was in a hit/run accident and was just recovering from the entire situation and that I would be able to make a full payment this week Friday, XX/XX/XXXX and he because hostile, rude, disrespectful in nature, and completely unprofessional to understand my current situation and my desire to make a payment arrangement and told me that SunTrust was n't interested in my making a payment unless it was a complete payment of XXXX to bring the account current from the previous 3 months which was due to the accident and lost of income. I even offered to have them speak with my attorneys who are going to settlement with the lawsuit for the accident. XXXX, the SunTrust employee refused to listen, became even more aggressive and did n't think before he spoke. This is unacceptable behavior from a bank and I want SunTrust Bank to deal with my situation with professionalism and their employee with appropriate actions. The number I called was XXXX Debt Collection The number for the bank itself I called XXXX Thank you
Consumer complaint received 2017-08-31
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. (CA)

I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (NV)

URGENT. THIS IS NOT A DUPLICATE COMPLAINT. TIME IS OF THE ESSENCE. MY HOME IS SET TO AUCTION ON XX/XX/XXXX THIS IS A SEPARATE AND URGENT ISSUE. FAY SERVICING HAS CAUSED A NOTICE OF TRUSTEE SALE TO BE RECORDED ON MY PROPERTY. AND AT THE SAME TIME FAY SERVICING HAS STATED THAT THEY ARE REVIEWING MY LOAN FOR A FORECLOSURE ALTERNATIVE. This complaint supplements CFPB Complaint no. XXXX filed and sent to Fay Servicing onXX/XX/XXXX. On XX/XX/XXXXI spoke with Fay Servicing representative XXXX XXXX. And although he seemed a bit confused by his company 's processes. He informed me that my application was deemed complete and was forwarded to the underwriting department for review and a decision. He also said that the scheduled sale date was now for XX/XX/XXXX. This is in contrast to his previously telling me that once the loan modification application was deemed complete that the foreclosure process would be stopped until the outcome was determined. On XX/XX/XXXX however, XXXX said that the foreclosure process is never stopped because, " what if the loan modification does not go through? '' To which I told him that Nevada state law prevents a mortgage servicer from continuing the foreclosure process while reviewing for a loan modification or other foreclosure alternative. On XX/XX/XXXX Fay Servicing caused a Notice of Trustee Sale ( NOTS ) to record on my home. Copy attached. I called back in - XXXX not available, left message. He has not returned my call as of now.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (IN)

We get repeated calls from Key Bank to our cell phones, which we use for business. We make payments and they dont go through but we get email confirmations that they did go through. Then weeks later the payments have not cleared out bank. 
Key has AGAIN charged us a late payment after we made a payment on XX/XX/XXXX and the email confirmation came to our email inbox at XXXX. 
Additionally, they need to stop calling. They can mail us what is needed via US mail ONLY. 
We did make another payment with the XX/XX/XXXX payment did not clear. 
We went online tonight to make a payment and the web site is AGAIN not working. Their website never works. 
We were able to log in but no account information will pull up. 
We just made a complaint and there are issues already.
Consumer complaint received 2017-07-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

In XXXX XXXX I was 2 months behind on my mortgage. Well Fargo told me that I need to get into a forbearance plan or foreclosure would start. I was prepared to make my XXXX XXXX payment but was told to pay {$310.00} instead for the next year to see if I could improve my financial situation. I was concerned as to what would happen to the debt that accumulated for this year and was told that it would be put at the end of my loan and that I could get a loan modification. I told my home preservation specialist that I would become a substitute teacher and improve my income. At the end of the 12 months of paying {$310.00} was told that I could not pay my normal {$1100.00} and that I needed to pay the balance of {$15000.00}. I was told to apply for a loan modification. After applying for the loan modification I was told that the {$2200.00} that I made from XXXX XXXX and XXXX was not enough for a loan modification. I was never told how much I needed to make, just that I needed to improve my income. I had a foreclosure case scheduled for XXXX XXXX. I did n't have enough money for a lawyer so I wrote the response to the foreclosure complaint myself. I did n't answer the accusations with I deny, instead writing I disagree ( not knowing law language ) and the judge gave Wells Fargo a default judgement against me and allowed the foreclosure of my home.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I noticed that I was not receiving the promotional terms that I expected. O  n   XXXX   XXXX   2017 I asked why I did not see the expected  XXXX  points bonus on restaurant purchases applied to my spend to date. The research was concluded on   XXXX   XXXX   2017 with the conclusion that I am not eligible. This was communicated to me when I asked on  XXXX /2017. Attached is the expected promotional terms around the time I applied.
 XXXX 
 XXXX  bonus points on restaurant spend  XXXX  points on all your qualifying purchases on your first $  XXXX  for the first year plus on top of that a 30 % annual bonus 12 months 0 %
Consumer complaint received 2016-04-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (OH)

I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute the validity of an account reported by XXXX Credit Card on my credit report. The account, reported on XX/XX/year>, reflects a balance of {$XXXX} and a charge-off status. I dispute this charge-off entirely because there is no contractual agreement between me and XXXX Credit Card XXXX XXXX them to report this information as my creditor. Despite the provision of statements or other documentation, I assert that these documents do not establish a legally binding agreement between myself and Ally Credit Card. According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are prohibited from reporting inaccurate information to credit reporting agencies. The lack of a contractual agreement renders this information inaccurate and misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, XXXX Credit Card is required to conduct a thorough investigation and verify the accuracy of the information reported. Without a valid, signed contract that explicitly authorizes XXXX Credit Card to report this account, the reported information is unverifiable and should be deleted immediately. Equifax also has a duty under 15 U.S.C. 1681i to investigate and remove any information that can not be verified. As this account is not supported by a contractual agreement, it can not be legally verified and must therefore be removed from my credit report. I request that the charge-off status and the {$XXXX} balance be entirely deleted from my credit report, as there is no legal basis for its inclusion. The continued reporting of this information is not only harmful to my credit but is also a violation of my rights under the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. I expect a full investigation and the immediate removal of this erroneous information.
Consumer complaint received 2019-05-22
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. (NJ)

On the update of the previous dispute from equifax responded ( If your dispute involves a public record item, Equifax contacts a third party vendor to obtain the most recent status of the public record ). 
Which already violated the FCRA 609 ( A ) 2 Disclosures to consumers [ 15 U.S.C. 1681g ] We requested how was this bankruptcy was being verified and the credit bureau were un able to provide it the bankruptcy must be deleted. The credit reporting agency must disclose the source of this information according to this particular statue. 
we strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Lastly we had followed through with the court to confirm about this item and according to FCRA Sec. 611. ( 6 ) ( B ) ( iiii ) Regarding procedures and results of reinvestigation states ... ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; In which we already confirmed it with the furnisher in the previous step for they do not directly supply this information to credit agencies or third parties so basically if the credit reporting agencies are stating that they verified the information with the courts or third party then the credit bureau are providing misleading information and according to these particular statues they would need to delete the bankruptcy.
Consumer complaint received 2017-05-31
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. (CA)

Representative hesitant about starting investigation, and stated it had to be against debt. collections laws- I stated it was and there were other breaches of laws as well. When done with investigation nothing was done but updating my information and all " illegal '' debt still remained. -Legal Breaches for debt- On matter of item > The XXXX XXXX ( Originally Opened XXXX ) -CA Statute of limitations > The Statute : California Code of Civil Procedure Section 337 Where the action is based on a written agreement, it must be filed within 4 years.Code of Civil Procedure 337 : 1 & 2. XXXX XXXX XXXX-Open-XXXX. XXXX XXXX XXXX XXXX-Open- XXXX. XXXX County DA-Open XXXX. Note File Upload > Double Jeopardy-5th Amendment ( XXXX XXXX-XXXX XXXX-with D.A. letter stating no further litigation required-Referral # XXXX > XXXX # XXXX ), SECTION 1. All people are by nature free and independent and have inalienable rights. Among these are enjoying and defending life and liberty, acquiring, possessing, and protecting property, and pursuing and obtaining safety, happiness, and privacy. ( Sec. 1 added XXXX XXXX, XXXX, by Proposition 7. Resolution Chapter 90, XXXX. ) SEC. 10. A person may not be imprisoned in a civil action for debt or tort, or in peacetime for a militia fine. ( Sec. 10 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) SEC. 17. Cruel or unusual punishment may not be inflicted or excessive fines imposed. I have as of now " no '' verifiable substantial income. ( Sec. 17 added XXXX XXXX, XXXX, by Prop. 7. Res.Ch. 90, 1974. ) -Fair Debt Collections Practice Act.-801-Short title 803-Definitions -part C.,807 False or misleading representations-a. & 4.. Fed. Statute Title 18, U.S.C., 241 & 242. U.S.A. Constitution 7th, 8th, and 14th Amendment breaches.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX closed my bank accounts, which were set up for auto-pay on my two XXXXXXXX credit cards, resulting in a late payment ( s ) which are not reflecting on my credit report. 

I reached out to XXXX, and they acknowledged the issue, reversing both the late fee and the payment. As a loyal XXXX customer since XXXX, Ive never missed a payment. 

However, the credit reporting department is refusing to remove the late payment from my accounts. I provided proof that customer service reversed the late payments, but the credit department still isnt reporting fairly, especially since the accounts are closed. If the late payments and fees have been reversed, there should be no late payment reported on my credit file.
Consumer complaint received 2024-10-28
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. (VA)

I am writing to report that I have been a victim of identity theft, resulting in fraudulent and inaccurate accounts on my credit report. Despite my repeated efforts to address this issue, these erroneous accounts remain, causing significant financial hardship. Multiple fraudulent accounts have been opened in my name, damaging my credit score and hindering my ability to obtain credit. I have previously reported this incident to the credit bureaus and financial institutions involved, but the errors persist.
Consumer complaint received 2024-10-28
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. (PA)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MS)

I have been a credit card holder of Citi XXXX XXXX for XXXX years. I have NEVER had a late payment in my XXXX years! My current APR is 22.49 %! My APR should have never been this high XXXX years ago. Citi sent a letter that my APR will go up to 27.74 % on XXXX. I contacted Citi about the unfair increase and they should lower my current APR. Citi stated that they can not do anything until after XXXX. I really think that was an excuse to blow me off! I will contact them again looking for a different result from a different representative or manager!
Consumer complaint received 2017-05-31
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. (CA)

In correspondence dated  XXXX  -2017 I ma iled this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to formally request the blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed from my credit report to prevent potential fraudulent activity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX  in XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.