davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (LA)

I received a payday loans from Greenline loans for {$300.00} on XXXX XXXX. I have paid {$500.00} as of XX/XX/XXXX XXXX on the loan and a balance of {$400.00}. I wasnt aware the interest rate was 748 % on the loans. I also was inform that by it being a XXXX loan company they can charge whatever fee they want. They will not just take the {$200.00} loan fee they want {$600.00} loan fee. I pay {$100.00} a month but I cant afford it.
Consumer complaint received 2020-06-22
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: Experian Information Solutions Inc. (MD)

ON XX/XX/2020 I submitted via fax a dispute for information on my credit report with the three bureaus. The companies ( XXXX  and experian ) are refusing to initiate the disputes based on the information provided which is my current information. I have submitted multiple times, my identification, proof of CURRENT address and social security card. They send the same canned mail saying they can't do it. Their lack of urgency to fix the errors on the report have suffered me great loss. It has been 2 months since I have submitted these documents and I want this taken care of NOW. They are ignoring disputes and not even following protocol. XXXX  has frozen my account without my permission and I can't even access my report to see the inaccuracies anymore.
Consumer complaint received 2020-06-22
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: CarMax, Inc. (GA)

on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company Carmax XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
Consumer complaint received 2020-06-23
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. (TX)

On XX/XX/XXXX I applied for a Mortgage account and I discovered that XXXX XXXX is reporting a Collection account on my Equifax report of {$2600.00} for past HOA fees. I have never been notified or contacted from this company regarding any fees or to get a chance to validate the debt. I filed bankruptcy and my HOA fees were paid through bankruptcy and also settled with an Attorney for the HOA. I contacted XXXX and disputed the information along with disputing to Equifax. I was told that they are only the messengers and that I would need to contact the HOA. I contacted XXXX XXXX XXXX and they stated that would look into it. I was contacted back and advised that noone indeed contacted me and that the amount on the Equifax report was correct. I submitted Bankruptcy paperwork to both parties and thats when communication stopped. Neither party will return my phone calls nor emails. I have noticed a change in the reporting. It is now reporting as an open account with a {$0.00} balance. It shows 11 late payments. This is grossly incorrect. HOA fees is not an installment nor revolving account. I should not have a pay history with this company as I am not in contract with this company. I paid the attorney for this debt, therefore it should not have been attempting to collect from 2 different Collection group at the same time. XXXX states THEY ARE NOT a collection agency, although that is the status on my Credit report. This is causing denial of credit, defamation, and I am seeking to have the tradeline REMOVED from Equifax for incorrect data, and violations of the FCRA and FDCPA for the state of Texas. The Surety Bond ( XXXX ) to collect debts in Texas for this company has expired.10/29/2019. I spoke with XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX ( XXXX ). I have been professional and amicable during this travesty of credit reporting. I am prepared to exhaust all options to have this corrected including suit in Civil court naming XXXX XXXX and XXXX XXXX as Defendants and seeking damages afforded to me by violation of Consumer Law.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims.,
Consumer complaint received 2020-05-27
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. (FL)

I have had ongoing problems with an account that is invalid and that was an illegal charge yet for all of my attempts to get Equifax to remove it which they have on multiple occasions it always ends up back illegally re-aged and still inaccurate. 

It claims to have been opened on XX/XX/2018 which is in fact two years after the ambulance trip in question. The fact remains that this was an illegal use of XXXX XXXX 's fire rescue to transfer me for a non-medical situation against my will, without my consent in direct violation of their policy after they violated my rights which I'm currently litigating in the fourth District Court of Appeals in the state of Florida see oliverkamm versus Broward sheriffs office. 

As a result of which they billed -- thorugh there own service - not one my isnsuaance covers -- {$1000.00} for an ambulance that I didn't need and that they didn't cover although I have insurance with full deductible that would pay for it the charge was just fraudulent so they didn't. 

I try to work this out directly with both my insurance and with XXXX XXXX and with Equifax but no one has done a thing other than re-aged this illegally continue put it on as if it was a valid debt when it's not and I can test it from the beginning. Once again Equifax is proven themselves to be untrustworthy unfair and seemingly out to makeremoval offalse info impossible
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-05-27
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: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX, two consecutive charges were made on my Chase Business Card for a vendor named : XXXX XXXX in the amount of {$7800.00} each. I noticed this within the 2 billing cycle within the 60 day window and contacted Chase Fraud. They were unable to provide any vendor name and or phone number. Chase issued me a new card and reported those as fraud. Late XX/XX/XXXX, the same two charges reappeared on my new card dated XXXX and I contacted Chase again. They said those charges are valid. I asked them to provide proof. To date, no proof has been provided and my communication with Chase has been non responsive. Chase, stopped investigating, did not provide proof, or any merchant information.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

-Initially phone call on XXXX information for settlement request. - rep did not know -phone call - XX/XX/20 in regards settlement request - fax # XXXX provided -fax letter requesting settlement date XX/XX/20 - to fax # XXXX XXXX fax # given by Citi Cards rep ) XXXX phone call to check on letter submitted, rep did not know about this type of request and stated that it can take few days to view any letters on them systems. 
XXXX phone call to check if fax was received, rep stated no they don't have anything on them systems about any of my request. 
XXXX - received letter stating that my request was not clear. 
XXXX - fax letter explaining request for settlement reason and provided proof of funds. 
-phone call XX/XX/20 to check if any correspondence was received they stated nothing, they don't have anything. 
XXXX - fax letter requesting settlement. 
XXXX phone call - rep stated that they don't have any letter from me on them systems. 
XXXX fax another letter requesting settlement XXXX phone call - representative stated that they don't do settlement and stated that I have to talk to the repayment plan dept. was transfer - long hold time did not talk to anyone on the repayment plan dept. 
XXXX phone call rep stated that for settlement request I have to call on of after XX/XX/20 when my statement is ready to be cut out. 

Besides of response from letter received dated XX/XX/20 about Citi Cards not understanding my settlement request, never again Citi Cards responded or provided me any information about my request, neither a denial, a suggestion or an offer or explanation or instructions on my request. Every representative I spoke with had no clue of an idea about a request for settlement, they always said that no documents from me on them systems. I was provided a few time the same fax # XXXX and I did a few times ask for a different fax and they keep given me the same fax #.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX . 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX  XXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX XXXX : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX. I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc. (OH)

I have received TWO Visa Debit Cards from Square , Inc. Neither card was requested. The first card arrived XXXX XX/XX/2021. I then contacted Square at XXXX to complain. Not only was the response unsatisfactory, but they sent a second Visa Debit Card ( arrived XXXX XX/XX/2021 ). It is my belief this is bank fraud : ( 1 ) I never requested these Visa Debit Cards, and ( 2 ) There is no evidence for identity theft. It is my belief that banks and financial institutions are preying upon financially desperate people by sending them unsolicited bank cards, then sticking those people with debt and fees. This is the second complaint filed with the CFPB ( both my husband and I received unsolicited Visa Debit Cards from XXXX XXXX last month ). I ask the CFPB to investigate this as a potential class action issue ( many people being victims of bank fraud ).
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : Ref # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws, I hereby request that you cease and desist and communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe. 

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc. (UT)

My wife had XXXX  surgery. After insurance payment and discounts, the remaining balance was {$340.00}. The bill was outstanding as we awaited additional insurance information. The remaining balance was paid on XX/XX/2020. Mountain Land Collections Inc. had sent a collection notice to the wrong address. On XX/XX/2020, I received a call from Mountain Land Collections Inc. wherein they obtained an updated address. During the call, I informed them that the remaining balance was paid on XX/XX/2020. I then forwarded them an e-mailed copy of the receipt showing payment on XX/XX/2020. Later that week, I received a new invoice dated XX/XX/2020, to my updated address claiming the debt was still due and owing. This was sent the day after proof of payment was sent to Mountain Land Collections Inc. I phoned to the physician 's office on whose behalf Mountain Land Collections Inc. was allegedly acting, and they confirmed that no outstanding amount was owed. The physician 's office also e-mailed me notes that Mountain Land Collections Inc. inquired about the bill with the physician 's office on XX/XX/2020, and were told the balance was paid. Thus, Mountain Land Collections Inc. verified that the amount was paid and no balance was due and owing, yet they opted to send an invoice for collection to me regardless.
Consumer complaint received 2020-06-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I mailed into TransUnion a letter that disputed several hard inquiries on my report. Included with the inquiries I also included a copy of my police report and a statement from XXXX  that I was involved in a data breach. When I called on XX/XX/XXXX to TransUnion they stated that they did receive my inquiry but due to the fact that it appeared to be professionally written they ignored the request. I tried to dispute the inquiries over the phone with TransUnion and to validate that I did send in the dispute letter along with the supporting documents and Transunion refused to take any action.
Consumer complaint received 2020-06-23
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. (PA)

HI, i have a problem regarding my credit report with EQUIFAX only its a very bad company with no care about consumer report i have been trying to set up an account on my.equifax.com and when i log in it gives we can't process please call customer service so i add already screenshot of that screen, and i called customer service many many times with no care all are XXXX people doesn't care to fix, and even when i can on phone system after entered my SSN, DOB, Address it telling me we can't identify your identity, and i spoke couple times to Customer service they don't know what is my issue and ask me to send a copy of my ID with SSN copy to Equifax Office XXXX, Georgia, i did three ( 3 ) times with no answer to fix my identity, and that issue affect me when i apply for credit with few lenders like XXXX XXXX XXXX XXXX, XXXX, XXXX, so i gave up and submit this complaint maybe someone care and fix my identity so i can login my credit online and unlock or locked or see my report, so i only ask Equifax to fix my identity,
Consumer complaint received 2020-05-27
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)

About 2 months ago, I asked XXXX XXXX why my score dropped 29  points. 
My one delinquency was a year old. Already had been dinged. 
Was told to contact Experian. 
After I created a dispute to find out why my score was 29  points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies.

A few days later, fell 61 on all 3. 
Phoned Experian. They could not explain why. Told me to contact FICO.

XXXX  said they couldnt give me an answer.

My annual credit report only shows the one delinquency.

My score dropped another 4 points in XXXX. 
XXXX XXXX site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
XXXX XXXX, now, shows I have a higher score than the Experian site. XXXX says they use Experian. 

Account Summary FICO Score XXXX as of XX/XX/20 XXXX XXXX credit rating : Excellent FICOScore | FICO Score XXXX| Experian Data Score range : 300 850| Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your XXXX XXXX credit rating is Excellent based on your current FICO Score. 
These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score. 

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Other — 
Company: BANK OF THE WEST (WY)

I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.