davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Good morning! 

I missed XXXX payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to XXXX. 

I reported this to XXXX XXXX during the early stage of XXXX when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, XXXX XXXX has placed serious delinquency on my Equifax credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to XXXX ) are still being reflected on my credit report. 

Why didn't XXXX XXXX report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't XXXX XXXX update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from XXXX. I'm still suffering from this pandemic. 

Additionally, I'm suffering XXXX, physically, and financially from the information that XXXX XXXX reported to all three credit bureaus. 

I humbly ask for immediate assistance.
Consumer complaint received 2015-08-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AZ)

XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).
Consumer complaint received 2016-06-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TD BANK US HOLDING COMPANY (GA)

I currently have a XXXX Honda Crosstour that needs a new axle, but this part has been on backorder since XXXX XXXX and ca n't be found anywhere. I 've tried ordering the parts a couple of times with no success. Due to my axles being bad it has caused the thread my tires to show which is extremely dangerous for me and my children to ride around in. I do n't have the money to get the tires at the moment but getting new tires will not fix the problem if the axles are still bad. This car is my only means of transportation for me and my children and I need something that is safe and reliable.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Risecredit, LLC (AL)

Upon checking my credit report, I noticed an account by the name of rise reporting to XXXX concerning me. I called and spoke with a XXXX agent with my concerns and inform them this was n't my account. The agent replied to me that the account was in good standards and as I told him, I do n't care it was n't my account and to remove it. I 've been a victim of Identity theft and I 've filed a police report case number XXXX Officer XXXX with the XXXX, Alabama XXXX Police Department. number XXXX. I 've also sent a Certified Letter with a returned receipt that I have to XXXX XXXX and Rise also the other credit reporting agent concerning this Rise Account along with a police report and Identity Theft notarized affidavit.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  Original creditor XXXX XXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Even though a had a Fraud Alert place on my Equifax ( and others ) credit file, Equifax let a Credit Issuer access my credit file and placed a HARD inquiry, even though this inquiry was unauthorized and potentially fraudent, no attempt was made to verify my ID over the phone, and Credit Issuer 's application contain NO social security number, Drivers Lic did not match, No DOB, different address, different phone number, different email address. Only matching info was First and Last Name, and City, State and Zipcode. Even with a Fraud Alert on my account, Equifax permited this issuer access to my credit. On top of that, when I disputed the inquiry, they hours later came back with the results of the investigation stating the inquiry was factual and will remain for 2 years. Highly unlikely they did any investigation without a few overnight hours, specially since a simple call or inquiry to the Credit Issuer and the Issuer would've been unable to provide any info that match my profile. 

Equifax needs to stop being so lose with permiting issuers to gain access with such little personal information, let alone access to those who have Fraud Alerts placed on their credit. Secondly, when a consumer reports potential fraud or unauthorized inquiry or opening of an account, Equifax needs to place the burden on the issuer to prove it belongs to the consumer in question, not require the consumer to have to now prove it was unauthorized. I was the victim here, I shouldn't have to waste countless hours calling Equifax, calling the Credit Issuer, filing complaints etc, specially when there is a clear cut case. In this case, the Credit Issuer from Day 1 agreed the information provided by their potential customer did not match my information, and thus the inquiry should've been to my credit file. They have expressed willingness to confirm this to Equifax, but Equifax has failed to inquire to the issuer a out the legitimacy of the inquiry. Since I was in the process of potentially buying a house, this has caused an enormous burden & stress, and I still have been given no resolution 30 days later after more then a dozen calls to Equifax. All they recomended is for me to file a FTC complaint to report Identity Theft in order to remove the credit inquiry, but the evidence so far seems to only prove negligence by Equifax and not actual ID theft.
Consumer complaint received 2024-08-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PNC Bank N.A. (VA)

I have a mortgage on my house and I was paying It was automatic payment so I dont be late on payment. The PNC Bank tried to contact me multiple times via phone, but they always ask my address and I didnt feel comfortable provide anyone on the phone with my personal information. I asked what this about. The answer was if you dont want to verify that information theres no point to talk and hang up multiple times phone calls this way I called him back. Ask her what is about to say your house will be paid off because the last amount is very low and you need to pay it by certified check, I have no idea already sent to my account for collection and reported bad credit against me. Thats not my credit down from XXXX to XXXX I want to throw all the letters in sent to me. None of them show anything about late payment or I have to pay the last payment via certified check And now my credit is just and I dont know what to do to fix it now I sent the last payment already contact them. It was nothing we can do about it
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (PA)

contacted after business hours, left harassing voice mails, customer rep cursed and swore at me. Customer rep said we were going to jail. customer rep left a voicemail and did not identify who they were ... this is an ongoing issue with the company ... Westlake financial .... charges for fees that are illegal in my state. and clearly is listed as states that are not allowed to be charged fees ... purposely bounces my checks thru their system so that they do n't process to put me behind on my payment.
Consumer complaint received 2017-01-06
Product: Other financial service — Money order
Issue: Customer service/Customer relations — 
Company: WESTERN UNION COMPANY, THE (TN)

I purchased XXXX money orders for {$990.00} equaling {$9900.00} on Friday the XXXX of XXXX 2016 at a XXXX store. These Money Orders were then deposited into my financial institution account the same day. The Money Orders were approved and processed on Monday the XXXX of XXXX and posted as cashed according to Western Union on Tuesday XXXX XXXX, 2016. Unfortunately on Thursday XXXX XXXX, 2016 these XXXX money order became Returned Deposit Items due to allegedly being 'Altered/Fictitious Items. ' Western Union is aware of this issue and knows it 's their fault but still choose to hold up my money of {$9900.00} due to a '30 day process. ' This has damaged my relationship with my bank and this situation needs to be resolved immediately. I want my check due to me expedited from Western Union, a letter from Western Union written to my financial institution consenting to fault, and a written letter of apology from them. I am not the only person I know of that had this issue. XXXX of the people I know received his check within a week and it has now been well over 3 weeks with no compliance from Western Union.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NM)

I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Venmo froze my account while I was trying to link a new bank account to it. I can not transfer money out of Venmo, or use Venmo to send money as a result. 
I reached out to Venmo support FOUR times, two times through online chat, one time through phone call, one time through email, but their incompetent customer service never resolved the problem. Each time, they would promise to get it resolved or " escalated '' within 24-48 hours, but I never heard back from them. I was also asked to submit the sensitive ID and bank statement materials, which I did, but they never replied. I grew increasingly frustrated with Venmo. I need to get my money out of the Venmo account.
Consumer complaint received 2022-02-17
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)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2015-06-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.
Consumer complaint received 2016-03-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Niagara Restitution Service Inc (LA)

Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting on my Transunion profile that XXXX XXXX is removed. It is inaccurate because the account is still being reporting on Transunion and XXXX XXXX XXXX is reporting false information. 
Transunion and XXXX reporting XXXX XXXX is removed from the profile Transunion and XXXX that it's removed. This is not true In addition XXXX is reporting said account multiple times which I have tried to address
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (NC)

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, XXXX, and Equifax ) and I still haven't received a response from any one of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (UT)

I had a tax lien that was released in XXXX of 2015. As instructed by my state tax commission, I mailed a copy of the satisfaction letter to all XXXX credit reporting agencies on XXXX XXXX, 2015. XXXX & XXXX removed the lean within days of the letter receipt, but Equifax has yet to remove the lean from my credit file after several additional attempts to dispute the tax lien via their online dispute system, USPS mail, & fax. I am beginning to get frustrated as this is negatively affecting my overall credit.
Consumer complaint received 2016-07-28
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OK)

Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.
Consumer complaint received 2015-08-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that.