davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/XXXX, called Dividend Solar Finance, LLC to make agreement on the account ending in XXXX, for XXXX XXXX XXXX, XXXX KY XXXX. Representative stated that if agreed to make one payment and a half to clear off past due balance would not result in charge-off status. I'd made the agreement and paid on that day the amount of {$330.00}. Going forward, would pay {$380.00} ( paid on XX/XX/XXXX and ) biweekly until the past due amount was paid and account would become current to continue regular payments in the amount of {$250.00} ( estimated amount ). The representative stated that the account would not go into " Charge-off '' status due to the payment amounts paid which would reflect XXXX XXXX payments. After receiving an email on XX/XX/XXXX regarding a change on my credit report, I was informed the ( Dividend FIFTH THIRD BANK N.A. DB ) had been closed as of XX/XX/XXXX. This conversation transpired through a recorded line. I feel I was mislead by the representative by being given false information.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NV)

I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. 

ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. 

THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Consumer complaint received 2016-08-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (KY)

I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (FL)

XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Roycroft Management (WI)

I got calls from different area code XXXX numbers saying that if I do n't call a number they will bring documents to my home or workplace. The voice identified itself as XXXX XXXX and told me to call XXXX XXXX XXXX XXXX. His call originated from XXXX XXXX XXXX XXXX. I 've had calls like this before, and it was quiet for awhile, and now starting up again. I do n't believe I have any outstanding debts, and do n't appreciate them threatening to come to my home or work. Please look into this for me. Sincerely, XXXX XXXX ( XXXXXXXXXXXX XXXX
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a letter claiming I had an inactive account with Bank of America. I gave my social security and I know that wasnt the right decision. I am unable to get in touch with Bank of America seeing as though my account number on the letter is not being accepted in the help hotline call which is needed to get through to speak to an operator.
Consumer complaint received 2017-08-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NE)

XXXX Credit Card resold by XXXX XXXX provided me with a statement on a XXXX balance account where they are charging me a {$99.00} annual fee and {$1.00} in interest. On XX/XX/17 I called the company and asked them to waive the fee and to cancel my card. They refuse to waive their annual fee on a card I do n't use and they are charging me interest on their fee. This is a UDAP issue.
Consumer complaint received 2017-08-11
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. (AL)

XXXX and Transunion refuse to remove fraudulent inquiries on my Credit Report. On XXXX XXXX 2017 I sent letters to all three Credit Reporting agencies describing my problem accurately, request for removal, a copy of Drivers License, a copy of Social Security card, and a recent copy of utility bill to validate claim. XXXX  removed every fraudulent inquiry immediately. Please help me with XXXX and TransUnion. Thank you for your time.
Consumer complaint received 2022-02-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (CA)

To whom it may concern, My name is XXXX XXXX, and I have been trying to resolve the very long issue we are experiencing with you. 
We refinanced the mortgage and Heloc on our property back in XXXX of 2021, and the title company had issued a check back in XXXX with the requested payoff amount, then we called and we found out that, for some odd reason, the check was not cashed, so they requested a stop payment on check and a new check was mailed out and signed by your company, Reference number is : This was sent again on XXXX via XX/XX/XXXX and signed for by them on XXXX at XXXXXX/XX/XXXX XXXX is XXXX Since then the title company, and us keep calling you to check why the checked was picked up by you in XXXX Ohio and signed by XXXX XXXX, but yet the payoff check was never cashed and it is now 3 months after mailing 2 checks, calling many times, holding on phones for long time and nothing. 
Before I am filing a claim against you, please be sure to erase that from our credit score which severely damaged our score, for no reason. The representative from your company today advised us to send the email to that address. 
We expect your company to cash the check, find out who signed and picked up the payment from the title company and get back to us, before this will result in a lawsuit against your company and a remedy. 
No other rep was telling me about this email before, only todays ' representative. 
I also started a dispute on Experian.com. 
Meantime, I cant apply to any credit or a loan, because you damaged our credit score and our reputation. 
While I am writing you this message via email, both me and my title company are on hold for over 35 minutes waiting for a resolution. 
Please advise, XXXX and XXXX XXXX Account # XXXX
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

My last name is spelt wrong they spelt it. XXXX  when it should be XXXX. 
Plus an address in XXXX XXXX never lived in XXXX XXXX. The address they put on my report is XXXX XXXX XXXX XXXX XXXX XXXX never lived or used this address it is fraud for these two issues i saw on report.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

After I relocated, XXXX XXXX contended I owed them a final bill, and sold the debt to Collection Bureau of Hudson Valley. I was never sent a final bill by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt which was sold to them by XXXX. They called my mobile phone repeatedly, and refused to furnish proof of the debt when asked multiple times. Instead of providing evidence or documentation, they pressed me for my checking account information so they could perform an ACH withdrawal to cover amount of the debt. They recently obtained my home phone number and repeatedly called me even after I requested they cease calling me because they would not provide any documented proof of the debt. Representatives of this company would not send me any documentation including a bill, letter, or payment coupon. At this point, the only way I knew the amount of the debt was when it was reported it to the credit bureau - they still however failed to provide sufficient evidence to prove I was accountable for the debt. They have since caused my credit score to drop, and I was denied an education loan because the " delinquency '' was too recent. I called XXXX, and the manager was unable to disclose details and further discuss the matter as they explained the debt was being handled by an external agency. They also could not furnish proof that the debt was still owed. I was advised to call the Collection Bureau of Hudson Valley, and once again they wanted to access to my checking account without furnishing prof of an actual debt. In late XXXX 2017, I filed a dispute with the credit bureau to resolve or at least obtain documented proof of the debt, and I was advised by XXXX that the debt was valid and could not be disputed, once again no actual documentation was furnished. I asked for documented proof of the debt so that I could confirm it was my debt, and once confirmed to pay the debt. This has been ongoing for 7 months. Can someone assist?
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (MI)

I sent a letter certified mail to XXXX XXXX XXXX via certified mail. I have yet to get a response letter or correction of my credit report. On Experian it is listed as deleted but still appears on my report. Looking for immediate correction.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems is reporting on my account that I opened an account with them less than a year ago for an account that is XXXX years old. Transworld is reporting this account as a new account to keep it on my credit longer than the law allows. They are collecting for XXXX XXXX and I havent had an account with XXXX  in XXXX  years.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BUDGET CONTROL SERVICES, INC. (CO)

I have an under-developed eye, microphthalmia from the Agent XXXX, and since the age of XXXX I have had to wear a XXXX. The XXXX are very expensive ( XXXX-XXXX ) and they last 5-6 years. I got XXXX when i was XXXX and XXXX when I was XXXX because of how expensive they are. I am XXXX now. Because of the cost of the XXXX and the fact that they are not covered by insurance I have been unable to get XXXX since. In my early XXXX 's it became clear that i needed a new one. I had heard that some insurances were covering the XXXX or part of it. This was the only way that I was going to get a new eye as I could not afford it otherwise. XXXX is one of the only places that can make them. I called XXXX and had a lengthy discussion asking about how much would be covered by insurance and that I could not afford the eye or any procedure until I knew how much I would have to pay. The people at XXXX assured me that they would work out a financial deal with me that was affordable and to just set the appointment. I went to the appointment thinking we would discuss the bill before we did anything but they immediately sent me to the back room and started the procedure of making me an eye. Its a rather painful procedure due to the clay they form against my eye. After they did the procedure I asked them how much this was going to cost and what deal they would work out with me. Thats when the doctor slid an envelope over the table and said it would be XXXX. Obviously I reminded him that I could n't afford that and that it was why we needed to discuss it before making the eye. He told me that i needed to pay for it and then they could see if the insurance would pay some back to me. Totally unacceptable and not at all what I had discussed with them just days before. I refused that option. I never received the eye and then I get a collection on my report for XXXX. I do not owe this money as I never received the eye. On top of all of that I will never go to XXXX again for their deceitful and dishonest practices.
Consumer complaint received 2017-08-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
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 information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX of XXXX thru XX/XX/2021, I noticed that after XXXX XXXX reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop 10 points on two credit bureaus each time and 9 points on the other. A total of 29 to 37 points. I make it a point to keep my utilization within 10 % as I have been working hard to build my credit expecially over the past year. After several conversations with XXXX XXXX where they insist that they are not reporting the balances, and also calls to myfico and Equifax, I had no choice to turn to CFPB for investigation. I have also asked several times for the XXXX XXXX customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the three times this happened, I did see where one of the times the balance was reversed back but, I was not given my 10 points back. I am a XXXX XXXX owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the three credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX