davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (OK)

I spoke with the store manager XXXX was rude and disrespectful did not want to listen to when I was going to be able to make a full payment just kept trying to over talk me when I called management her direct supervisor they did the same thing so it show there company values are bad very poor cusyomer service skills told them not to contact my phone and they continue to do so daily.
Consumer complaint received 2024-08-14
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. (CA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There was a hack to my checking account on Capital One Bank on the day of Monday the XXXX of XX/XX/2021. The fraudster hacked in around XXXX XXXX and had utilized the XXXX payment system tied to Capital One and sent out {$650.00} USD to the fake name XXXX XXXX. The money and my account are put on hold and pending credit, instead of immediate reimbursement for the banking customer. According to Capital One 's investigation department, they take this issue as a customer fault using it as an excuse to close your account without questions or proper investigation putting the customer second instead of first. Also, based on research other banks will refund you this money since you are utilizing their service.
Consumer complaint received 2024-08-14
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

In 2016 I had moved and was receiving bills by mail and didn't receive my bill and didn't know anything had been charged. So payment was late a few times. 

Once I realized that I moved my account online and have not had any problems since. 
I would appreciate taking the late charges off to help my credit score since it is now 3 plus years old. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Thank you for your attention to this!
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX, New Jersey. There is a scam going on at Bank of America on mortgage payment Center. Bank of America is forcing customers to pay escrow. I am paying my monthly mortgage through Bank of America on-time for almost eleven ( 11 ) years now. The Bank told me early this year that I failed to pay my property tax I having been paying for over a decade promptly. I went to the XXXX, NJ XXXX tax office and they said we got it late my mail but we got it and has been processed. I think Bank of America also paid the city property tax and were refunded. XXXX XXXX NJ Tax office { ( XXXX ) XXXX } were late to send us ( everyone ) the remaining half of 2019 tax accessement bill and the 3rd Quarter due date was due in XX/XX/XXXX and 4th Quarter due onXX/XX/XXXX.I was current and to-date on my property bills. This can be verified at above phone number or I can provide the actual bill in my possession. 

Now Bank of America is telling me I was late that the 4th Quarter was due on XX/XX/XXXX not XXXX XXXX and are adding escrow fund with late charges to my account. This illegal and offensive activities should be stopped immediately.
Consumer complaint received 2016-09-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Burr & Reid, LLP (NY)

The Law Office of Burr and Reid XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX have committed several of the above listed violations in the attempt to collect a debt. Continuous threatening letters were sent, some with false court papers attached. They threatened to send me to jail, garnish my wages, sue me and contacted old employers.
Consumer complaint received 2024-08-14
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Consumer complaint received 2021-01-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MN)

As a XXXX XXXX XXXX and Veteran we were impacted by the COVID Pandemic and were offered a forbearance by M & T Bank. When we were ready to resume payments we were told that our loan would be modified and that we would need to make 3 trial payments. In the process of doing so we never received any documents and that showed our new payment amounts, what the new terms would be and when the mortgage would be modified. We received phone calls almost twice a week from the bank however no documentation was ever provided to us. We were verbally told the payments to make monthly and did so in XXXX. We began the process to refinance our home with another bank and requested the forbearance and modification documents from M & T to provide to our new bank. We were requesting a mortgage statement the month of XX/XX/2021 which has not been sent to our home and is not available to see online. We requested forbearance documents which which has not been sent to our home and is not available to see online. We requested modification documents which has not been sent to our home and is not available to see online. I was told that the documents are in their QC process and would be sent to me after that process. When asked when that process would be complete no response was provided. When asked about the fact that M & T has failed to provide me a due date, mortgage amount and/or mailing address there was no response. I inquired what happens if the payment is late because that information was not provided to me and they said they would put me into default. I asked that a statement, forbearance and modification documents be sent to me via email. I was denied. I asked that a statement, forbearance and modification documents be sent to me via the secured messaging platform of their own internal online banking platform. I was denied. I am scheduled to close on the refinancing of my new mortgage in 4 days and need this information for underwriting purposes.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

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, XXXX, and Equifax.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

hsbc co refused not allowed me to finish my application since i had information missing i had to go get my information which i did when i came back to finish my application company refused to not allowed me to finish my application and therefore not allowed me to get my credit card?
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to point out some mistakes in the report titled in my credit reports. There are several incorrect names and addresses listed that need to be fixed. I am attaching the identity theft report with all the incorrect names and addresses as well. 
Names : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  The Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

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 2024-08-14
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. (MS)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (IN)

In XX/XX/XXXX I received a letter to appear XXXX XXXX XXXX County Superior ( XXXX XXXX, Indiana ) court a motion initiated by XXXX XXXX XXXX, XXXX ( Plaintiff ). XXXX XXXX XXXX. XXXX, VA XXXX. 

Chronological summary : On XX/XX/XXXX, I received a certified mailing notifying me of debt from that was obtained from their company on XX/XX/XXXX. At such time I became aware of a fraudulent account opened in my name. I disputed the debt with both the debt collector and the credit bureaus. On XX/XX/XXXX I received a notice from the XXXX that the acknowledged the dispute and requested with the consumer reporting agencies that the debt be listed as disputed. 

I received no further communication from the debt collector until XX/XX/XXXX. The debt collector filed a motion with the XXXX XXXX County Superior Court. I contacted the debt collector and informed them to cease court activity as the statute of limitations for court action for a debt in the state of Indiana was six years and the debt in question was from XX/XX/XXXX. 
I contacted the clerk of the Superior Court in XX/XX/XXXX and was informed that the plaintiff did not file the appropriate paperwork in time and that the court date was not scheduled. 
I received no notice to appear in Superior Court to dispute the debt. 
On XX/XX/XXXX, a default judgment was awarded in XXXX XXXX Superior Court Cause No. XXXX. 
I was not notified that a court hearing was scheduled and had no ability to defend my case that 1. the debt was disputed for fraudulent activity 2. the debt was past the legal statute of limitations in the state of Indiana.

This is a violation of the federal Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-01-22
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will file a report asap!
Consumer complaint received 2021-01-22
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (WA)

XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

so I disputed a bankruptcy after allot of back and forth XXXX XXXX agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other XXXX XXXX is saying call the bureaus they will update and the bureaus are saying call XXXX XXXX. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, I noticed that PHH Mortgage Services reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on XXXX. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's PHH Mortgage Services Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, XXXX, and XXXX to reach out to PHH and investigate the issue. On XX/XX/XXXX, XXXX concluded that PHH reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that PHH. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for XXXX and XXXX, and the issue has not been rectified.
Consumer complaint received 2021-01-22
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. (FL)

The 3 major credit bureaus are reporting medical bills infringing on HIPAA protection rule, they are also reporting balances on my credit cards even when my credit cards are paid in full every month ( which they are ). 
Since I requested for my personal information not to be sold and or distribute to advertisers, my credit score when down from over 800 to below 700. This is an unfair practice and it must be investigate.
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/ I called Tranunion to dispute a XXXX  bill that did not belong to me. I informed them that a family member used my information without my permission to get electricity on at there residence. A week later I was notified that the acct was closed and now as ofXX/XX/XXXXit is back on my report and is showing that the acct is open.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (AZ)

I was surprised with a XXXX basis point decrease in credits ( ~ {$450.00} ) for Provident Funding 's " appraisal waiver fee ''. This seems to be an non-industry standard fee that was only disclosed to me after my wife and I completed a Provident Funding loan application and Provident ran our credit. This fee does not show up on the Provident Funding website or in their XXXX app and was not disclosed via my call on XX/XX/2021 with a Provident Funding CSR. Given the loan to value for this refinance is ~40 % I expected an appraisal waiver, but I did not expect to be charged for this waiver, nor was it appropriately disclosed. 

This fee was first disclosed to me when I called Provident Funding to ask about the difference between their loan options described on their application choices vs the lock screens. 

Attached I am including Provident Funding 's rates & credits that are provided and advertised prior to completing an application and their lock rates available after ; as you can see the credits goes down between these two by {$450.00}. These screenshots were pulled at the same time and reflect the same PAR rate ( screenshot with buttons marked apply are at a lower cost than the one with buttons marked lock ). Of note, the appraisal waiver fee is not described ; whereas their Funding Administration fee of {$1300.00} is. 

FYI : Looking into this issue it seems that Provident Funding has a relationship with XXXX the appraisal company.