davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (VA)

Broker created a bait and switch, had multiple errors throughout the process ( APR pricing, closing costs, dates ), requested the same documentation multiple time and intentionally delayed the closing by being unresponsive, unprofessional and unclear. 

Through the underwriting process the Broker had several errors in pricing, costs, dates, had several oversights in documentation already provided, requested the same information from multiple sources all in an effort to intentionally delay the process. Broker was also unresponsive for long periods of time. 

Ultimately, he intentionally delayed so that he could raise rates and costs. 

Bait and switch, pricing and costs transparency, did not operate in good faith.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. 

I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. 

I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (MI)

I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.
Consumer complaint received 2015-11-17
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Thunderbird Collection Specialists, Inc. (AZ)

This company called me on the company work landline phone, during work hours when there were customers on the sales floor, demanding I let them speak to my supervisor so that he could garnish my wages, without a judgement. He was rude and I felt bullied by him.
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

I opened a new checking account [ XXXX ] with PNC Bank [ XXXX branch at XXXX XXXX ] in XXXX 2014 after I was offered a bonus promotion of {$300.00} for doing direct deposits totaling {$5000.00} and a bill pay. 

I complied with the Direct Deposit Requirements [ XXXX direct deposits of {$2500.00} on XXXX for a total of {$5000.00} and a XXXX XXXX Bill pay on XXXX ]. However, I never received the bonus. 

I contacted the bank XXXX after the XXXX day period that I was told it would take them to deposit the promotion bonus, but they refused to comply with their offer.
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MN)

I have a child support arrearage dated XXXX at {$11.00}, XXXX. I currently have filed a lawsuit in XXXX Court that my rights were violated in relation to this due to improper service of summons as I was homeless when the judgment proceeding happened and a summary judgment could n't be made this will get started by XXXX XXXX, XXXX. Since XXXX I have been working and paying child support plus 20 % toward arrearage per state law. I was charged prime+10 % interest for this arrearage, which doubled the amount to around {$25.00}, XXXX over 2 years, when I was n't employed and homeless. Despite having the interest turned off after one or more years of on time monthly payments, it is still reporting as the wrong amount, and despite my on time monthly payments through the state, it still is now reflecting as 120+ days delinquent on my credit reports. I have submitted complaints to XXXX and Equifax to get the right amount from the state, but they have not. The state DHS Child Support office tells me the balance is below {$24.00}, XXXX, although the county currently still tells me it is above {$25.00}, XXXX. It is reporting wrong. With no interest compounded since XXXX, and the +20 % payments each month of approx. {$120.00} per month, it should be getting smaller, not larger. I estimate it should be less than {$23.00}, XXXX There are no Public Assistance Arrears associated with this either.
Consumer complaint received 2016-05-16
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings (CA)

I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MN)

I filed Bankruptcy in XXXX of 2014 which excluded my home and truck : XXXX were exempt and it states it on the Court documents. My mortgage company, Caliber Home Loans, has listed my house on Bankruptcy status since that date for which it was exempt but I just found this out recently and the mortgage co. informed all the credit bureaus also that it, my home, was in Bankruptcy status also, which I have a recent letter from them stating they informed them, so when I was getting credit help they stated that prior reporting was accurate and the request to remove anything they were unable to do. 
I went to get preapproved for a home loan and the Loan Officer told me that it was under Bankruptcy so I would not be able to get a loan for 7 years. 
I have been in contact with my mortgage co. and they know it is exempt but will not remove the status and I have been shuffled from person to person. My credit is bad enough without this but not as bad without this on it. I want it to be taken off my credit reports, all XXXX, and reflect that it was knowingly put on the credit report information that was not correct. 
information.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I applied to receive my free annual credit report and was denied. The site asked me what company I received my mortgage loan from, what month those loan payments fell on and how much those payments were monthly. I 'm XXXX and do not have a mortgage nor a need for a mortgage loan, nor have I ever applied to receive a loan from any bank at any time.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (WA)

I have been a victim of identity theft. On XXXX XXXX, 2015, I paid a fee for a full " security freeze '' on all XXXX credit reporting agencies. XXXX, XXXX & Equifax. I was contacted on XXXX XXXX, 2015, by an online retailer calling my home phone to verify an application for credit, since they were able to veiw my credit report and saw there had been a fraud alert placed on my information, to a company called " XXXX '' ( several weeks after I had paid for a full security freeze be placed on my credit accounts ) The online retailer was able to access and view my credit report via Equifax, even though I have paid to lock down the viewing of my reports by any thrird parties. I have made several attmpts to contact the Equifax agency, and have not been able to speak with any company representative. All phone numbers lead to automated services or refer you to go online. I have been unable to find out why identity thieves are still able to apply for lines of credit even AFTER I have FROZEN all XXXX agencies credit reports. Thank you for you time and helping me with this very serious issue.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

First let me be clear, I 'm I am not disputing that I own the account, I am disputing the amount owed reporting and the fact Equifax DOES NOT verify with the tradeline furnisher for each investigation. I am also building a on my case against Equifax ( see case XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Systems , LLC ) I Pulled my credit report this week and it only shows balance of {$620.00}. However I know for a fact that amount is not true. I have attached a screenshot showing that I paid an amount that cleared my account XX/XX/XXXX, therefore the amount showing as of today is incorrect and under FCRA this should be removed. This is the second time within a 30 day period this has happened. I have until XX/XX/XXXX to show cause as why I would like to proceed in continuing sue Equifax. This will be a reason why.
Consumer complaint received 2021-03-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Summit Financial Corp. (FL)

I contacted this agency on XX/XX/2021 by the name of Summit Financial. They redirected me to another company on XXXX XXXX 2021 called XXXX XXXX, which states they are a lawyer and agent for the Federal government. This Company called Summit Financial is no longer operable. They closed down their business and are not in service. They are not allowed to operate and they have no way of contacting anyone. They had a recording stating they were going to arrest me if i did not pay the amount they are seeking. Neither company refused to give me details of either information including account information and amounts owed. They were very threatening in their tone and language. Summit Financial is reporting negative history on my credit report illegally without any information to provide. 

Summit Financial is one company// phone number : XXXX XXXX XXXX is another company// phone number : XXXX
Consumer complaint received 2023-04-20
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hey In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NY)

In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2021 XXXX XXXX XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

In XX/XX/2021 Honda Financial Services put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.
Consumer complaint received 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

This account were previously removed from my credit report ( s ) as a result of identity theft. This is now back on my account after theyve been purchased my a 3rd party debt collection agency ( s ) who now keeps harassing me.. The original creditor ( XXXX XXXX XXXX  ) deleted this account from my credit report on XX/XX/2020. I've recently been receiving collection calls, and mail from MIDLAND CREDIT MANAGEMENT. I'm not sure why they continue to contact me or report this inaccurate account on my credit report.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I live in XXXX, TX. I have a CashApp account where I had a total amount of {$3200.00} On saturday XX/XX/XXXX at XXXX, an unknown transaction was made suing my CashApp information at XXXX XXXX XXXX  '' in XXXX XXXX , NJ of {$0.00}. The second transaction was made at XXXX in ''XXXX XXXX '' in XXXX, NY for {$1.00}. Starting at XXXX and stopping at XXXX, 30 transactions od {$100.00} each were made at XXXX in XXXX XXXX , NY. The last transaction of {$100.00} was declined due to not having enough money in my account. Starting at XXXX and stopping at XXXX, 3 transactions of {$25.00} were made until the third one got decline because I transfer the last {$24.00} that were left in my account to my Bank and I proceed with the deactivation of the card made by me, XXXX XXXX XXXX XXXX , because I didn't know who was withdrawing this money from my account. I got {$3200.00} stolen from my CashApp account on Saturday XX/XX/XXXX and nobody is helping or assisting me through this situation. 

After disabling my CashApp card, I tried reaching to CashApp customer service through phone, where only a machine gives you directions to report your card as stolen or lost, or instructions about how to reach CashApp through email, and they will be available to contact me in 48hrs. I've sent 3 emails to CashApp, it's been more than 48hrs and they haven't reached out to me through email. I left my phone number too and haven't gotten any calls back.I texted them through their social medias such as XXXX, and through XXXX I reached out to CashApp account and also CashAppSupport account privately and commenting on posts, and nothing has happened. 

I placed a police report for Fraud and accepted to press charges towards this company. 
I lost the money I've been saving to return to school through an App that is not taking or showing responsibility towards my situation. They are not responding back to me, and I would like to make a claim towards this business, hoping this can help me get my money back.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I have a secured Mastercard with Citi Bank. The amount of the security deposit ( {$2500.00} ) is equal to the amount of my Citi bank Mastercard credit limit. I have had this card for 13 months so as loans / credit / banks are concerned this account is " seasoned ''. Any time I make a payment in excess of {$100.00} Citi bank holds my payment for 3 weeks or until I call them and they then call and verify with my bank ( XXXX XXXX XXXX ) to verify that the payment has been debited. Whenever I question Citi Bank reps ( I have had this conversation with Citi Bank multiple times over the course of the last 13 months ) as to why they do not automatically give me credit for the payment within 1-2 days of my bank paying them their standard response is " We don't have the payment ''. When i tell them that money moves like emails they tell me it does not. When i ask them why, when i have never missed a payment or had a returned check that they still hold my payment for weeks without crediting me in spite of the fact that my account is now seasoned theyll tell me " We have not received your payment ''. When i ask them if there is a 3 week delay between the time XXXX XXXX debits my account and they receive the money as they are insinuating they tell me " I do not know ''.