davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

My identity has been stolen you are herby on notice 15 US 1681C-2- block of information resulting from identity theft. 

Except as otherwise provided in this section. a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that resulted from an alleged identity theft no later then 4 business days after the date of receipt by such agency. 


An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law. 

You are in violation with these laws stated below Aggravated Identity Theft pursuant to 18 U.S.C 1028A 15 USC 1651B permissible purpose of consumer report.

15 USC 1681 Fair Credit Reporting Act Accuracy And Fairness of the credit reports
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX 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 in to be removed.

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. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AR)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

My husband took out a title loan in his name and an employee from title max in XXXX ga called my sister in law and told her she was having me arrested for theft by deception for 1 that's not my loan for 2 they know where the truck is they haven't even tried to go get it. We can not get the truck we told them when we got the loan that a friend was gon na be paying the loan so when finished he could own the truck. They have his address and name. When he didn't pay I paid them XXXX dollars for 2 months it's due again now and I don't have the money to pay I can't take pocession of the truck to try and sell it to pay them off so she disclosed personal info about me and spread lies about me being a thief. I am contacting an attorney and I will be pursuing legal actions against them for her actions. But I wanted it formally noted here as well. Her name I believe is XXXX XXXX phone number is XXXX. That's the number that contacted my sister in law and threatened to have me arrested. She works at title max in XXXX ga.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. 
I recently reached out to EdFinancial regarding my student loan, which I incurred due to the closure of my school, XXXX ( later renamed XXXX ). The institution engaged in predatory and deceptive recruitment practices, misleading me with false promises and wrongfully extracting federal funds. As a result, I have been left in significant financial debt. 
The fraudulent activities committed by XXXX have severely impacted me financially. They misled me and engaged in various forms of fraud, leaving me with loans for an education that was either subpar or never fully delivered. In light of the school 's closure and these predatory practices, I contacted EdFinancial to seek assistance and potentially resolve the outstanding debt related to these unjustly obtained loans. The amount of the loan Im disputing is with Ed financial the amount in the system is XXXX I contacted student federal loan department and was given the numbers below Year, Subsidized, Unsubsidized XXXX XXXX
Consumer complaint received 2024-08-20
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Strategic Financial Solutions, LLC (KY)

I have been attempting to contact XXXX XXXX XXXX to cancel or end services. Nothing has been done on my behalf from this company, per my signed agreement, and I am now facing a lawsuit from my original debtor. 

I have personally settled with XXXX of my credit card companies with no help from XXXX XXXX XXXX. 

I have tried calling multiple time, on different days and times and have been unable to reach anyone. The phone line sounds busy and the call is disconnected. 

I sent emails and have only been told to contact XXXX XXXX via telephone, which they do not answer. 

I have recently sent certified mail and received it back with mention that the business does not exists at that address. 

At this point, I just want my money back and to stoop paying for something that is of no use to me.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WESTERN EXPRESS LENDING (NJ)

I went to a XXXX XXXX for Westren Express XXXX XXXX I arranged my own transportation to and from the XXXX. I told the dispatcher that I needed a tractor with a AC adapter for my XXXX XXXX XXXX. I was told that they didn't have a truck with a AC adapter. I explain to the dispatcher that I suffer from XXXX XXXXXXXX XXXX and would not be able to driver and operate a tractor trailer safely if I didn't have resources to address my health issue. I was told that they would not provide me with a tractor that had the a outlet for my XXXX XXXXXXXX XXXX. At that point I informed the dispatcher that I had to leave and would not return due to lack of safety equipment.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NY)

I bought a fairly used XXXX Honda XXXX XXXX in XX/XX/XXXX with XXXX miles on it. I got 2 recalls by Honda the first one was within my 2 year ownership, nothing was refunded by Honda financial per the NYS lemon law .The Monthly car note is {$640.00} which consist of principal and interest and all fees for a duration of 72 months my first car note started XX/XX/XXXX my loan maturity / end would have been XX/XX/XXXX. During XXXX they gave us 2 months note free break, Which extended my loan to 74 months instead of 72 which run the maturity date to XX/XX/XXXX. As of today XX/XX/XXXX I have 3 months remaining of {$640.00} each month {$640.00} X XXXX = {$1900.00} PLUS {$450.00} late fees total = {$2300.00} owing to Honda Financial. As of today per Honda Financial report is saying my pay off balance is {$3400.00} That's an additional Balance {$1000.00} i called a customer service rep namely XXXX is saying its daily interest which is a lie as all my interest and payment is all included in my car note, how is that even possible i need your help as i feel am being ripped off. Attached are the documents for the same
Consumer complaint received 2024-08-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC. (NY)

I dont know how you managed to respond to my prior complaint about Sofis opening bonus without even getting the company to do anything at all. Their written response actually repeated the same information I provided to you that is problematic. How could you send me their response and tell me the matter is settled when they actually had nothing to offer? 

I advised you that Sofis direct deposit bonus says you can get a bonus of either {$50.00} or {$300.00}. If you have direct deposits under {$5000.00} you get {$50.00}. If your direct deposit ( s ) total over {$5000.00}, you get {$300.00}. Now here is the problem to the consumer trying to take advantage of this bonus. If you require a second direct deposit to go over the {$5000.00} threshold to get the {$300.00} bonus, your second direct deposit must be received by SoFi within 25 days ( not business days ) of your first direct deposit receipt by SoFi. Now, as in my case, my first deposit was my XXXX XXXX check. My second direct deposit is scheduled to be my XXXX XXXX which will only be sent when XXXX decides to send it. It is not under my control when they will do it. Therefore, it is unrealistic to give me only 25 days to do so. This only favors SoFi and not the customer. How can you not see that?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merrick, Costello & Walsh, LLC. (NC)

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX + {$910.00} Closed MERRICK BANK Reported : XXXX XXXX, XXXX + {$1000.00} Closed XXXX/XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merrick, Costello & Walsh, LLC. (CA)

Please refer to the attached XXXX  I have submitted with this complaint for complete information and reference. 

At some point around the time that an account was opened with Merrick XXXXXXXX XXXX XXXX, my purse was lost/ came up missing and inside of it was my wallet and other documents ( bills, etc. ) from the mail I received that day all of which contained sensitive information that would be valuable to anyone wanting to use it to steal identity and that is exactly what happened. 

I had absolutely no idea that the account was opened until I ran my own credit report and monitoring because I saw how low my score had gone. I was shocked to find the outstanding amount to be over {$800.00}. I did not spend any of that credit, I did not open the account I did not charge anything to this account and i filed a dispute with XXXX whoc resulted in the company, Merrick, basically refusing to remove it from my report. I am not going to pay a cent to them because number 1 I did not open this and I did not charge anything to the account. I never knew it existed it was created without my knowledge by a person assuming my identity and this company dropped the ball during the identification verification process.

it is highly likely they were conned and this account was fraudulently opened. it is not my fault this company was lied to. please help me!
Consumer complaint received 2024-07-16
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. (CT)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: First Title & Escrow, Inc (MD)

I was in the middle of getting a title processed to a new Condo I was purchasing, A Certified Check was to be used. Got it done from my bank out of my checking account Made out to XXXX XXXX XXXX XXXX XXXX went on the XXXX  app to fill out the info on the Condo and all Parties involve ( seller, myself, and the Title company to send the payment. 
On the certified Check was the correct info as well as the order number put on the check and found out a different company XXXX XXXX that was not named on the check deposited it and cashed it. in the same day. I alerted the XXXX support team on the issue they gave me the info on the company list above that deposit it and cashed it XXXX support team provided me with a phone number which I called. Could not get through the same day, got a returned call the next day. on this matter.I informed them and was putting a spot on the check I was told by the company how they do not handle deposits and as long as I got it handle it should be okay as they hung up the phone. 
I did do a stop order on he check with my bank. called it in The teller fell to tell about the part of coming down to fill out paperwork the same day. was told by the XXXX they tried to call me and stated my voice was not setup. when I asked what number did they call they could not say.
Consumer complaint received 2024-08-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Med-1 Solutions, LLC (IN)

I am writing to report the continued harassment I have been experiencing from Med-1 Solutions, despite multiple requests for them to cease contact. I previously opened a complaint regarding their repeated phone calls before XXXX XXXX, which is outside of the legally permitted time for debt collection calls. These calls have caused me significant emotional distress, especially considering that the medical bills they are attempting to collect stem from recurrent XXXX  that are beyond my control. 

To provide a brief recap : On multiple occasions, Med-1 Solutions has contacted me before XXXX XXXX., including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These calls have disrupted my sleep and caused severe emotional duress. Despite my repeated verbal requests for them to stop calling, they have continued to do so. 

Cease and Desist : In late XXXX, I sent a cease and desist letter to Med-1 Solutions via certified mail, which was received and signed for on XXXX. Med-1 Solutions responded to my initial complaint stating that they would stop harassing me. However, on XX/XX/year>, I received yet another call and voicemail from them. When I called back, the representative claimed that no cease and desist letter was on file. 

At this point, I have verbally asked Med-1 Solutions to stop calling me NO LESS THAN 5 TIMES ( all of which are recorded ) and have formally requested this in writing via a certified cease and desist letter. The continued harassment and disregard for my rights under the Fair Debt Collection Practices Act ( FDCPA ) are unacceptable.
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dunn Law, P.A. (FL)

Dunn Law PA, is a debt collector attempting to collect a debt for XXXX XXXX XXXX XXXX. They are communicating via mail/phone. I have submitted a cease letter for communication to said " collector ''. I have filed a complaint on this matter with the CFPB previously.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: USForex Inc. (WA)

On XX/XX/year> I got the Closure Letter from USForex Inc. stating that my company account closed. At the point of closure, we've had AUD {$510000.00} on the balance. Since then There has been no clarity or next steps provided by USForex for the leftover balance refund. After weeks of waiting I filed a complaint to OFX ( USForex Inc ) Customer Service at customer.service@ofx.com on XX/XX/year>. I received a reply from Legal.Notice@ofx.com stating that the complaint was received. No further information on the process of the balance refund till today XXXX XX/XX/year>. Quote from the email " OFX considers this matter closed and therefore we are unable to provide or share any additional information. This is our final position on this matter. ''
Consumer complaint received 2024-08-20
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: AutoMoney, Inc. (SC)

On XX/XX/year>, I commenced a Title Loan contract with AUTO MONEY NORTH , LLC located in XXXX, SC. I missed a payment in XXXX whereas, the company, AUTO MONEY NORTH , LLC sent correspondence on XX/XX/year> stating, 'You are late in making your payment ( s ). If you pay the Past Due Amount of {$250.00}, by the Last Day for Payment, you may continue with the contract as though you were not late '. 
AUTO MONEY NORTH , LLC received a {$260.00} payment from me on XX/XX/year> ; unfortunately, on XX/XX/year>, I noticed the removal of my vehicle from my residency soon as I stepped outside to get ready for work. I reached out to AUTO MONEY NORTH , LLC via telephone on the day my vehicle was unlawfully repossessed to seek clarification. I asked the Representative to clarify reasons on the repossession of my property then, I am told, I was seventeen ( 17 ) days late with payment. 
This situation has me baffled due to the fact of the correspondence I received from AUTO MONEY NORTH , LLC on XX/XX/year>, stating, 'You may continue with the contract as thought you were not late '. 
In Accordance with South Carolina Codes, Sec. 37-5-111 and Uniform Commercial Codes ; by law, the consumer has twenty ( 20 ) days following notice of the right to cure a payment default. I have documentation that proves AUTO MONEY NORTH , LLC violated the agreed-upon terms and conditions of a binding contract, whereas, the adverse action that were exercised against me violated Consumer Rights.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I called Chase Bank Fraud department to report fraudulent charges made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on my joint account with my husband. They were made by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We live in XXXX. They were for the amounts of {$11.00}, {$4.00}, and {$7.00}. I called in to report fraud and was refunded pending investigation. They said the purchase was made from XXXX XXXX but my husband is the only who has that and had made no such transactions. Then we saw two more transactions come in on XX/XX/year>. We called the Chase fraud department again to dispute these as well. They were for the amounts of {$6.00} and {$3.00}. When we called, the customer representative, XXXX, who mentioned the transactions were from a vending machine. Again, we don't use vending machines or live in Michigan. For some reason, all of our refunds got reversed after this to charge us again. We called Chase fraud department again shortly after to dispute the reversal. The different customer representative said he didn't know why the reversal was made on the account and would take care of it, but he didn't. We called again on XX/XX/XXXX to see why we weren't refunded our money and then we were told that because the card was used on XXXX pay that we would just have to accept the charges. We have proof it wasn't us with my husband 's transaction history on XXXXXXXX XXXX and can show that card was never linked to his personal XXXXXXXX XXXX account. I asked for the proof from Chase to show the XXXX XXXX account information on a transaction labeled as " in person '' in XXXX XXXX. Chase has refused to refund us our money for these fraudulent charges even though we have proof it wasn't us.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We have our home financed through PennyMac Financial Services, with our first payment on XX/XX/XXXX. Since then, we have always been on time with our payments. I also track out payments with an Amortization Schedule. It is through that tracking that I discovered starting with our XX/XX/XXXX payment, the interest started to be calculated incorrectly. Our fixed interest rate is 3.499 %. Before that payment, interest was calculated correctly. However, starting with that payment and since, our interest is consistently being calculated as 3.4995 % despite no changes in the terms of our mortgage. I sent multiple messages to PennyMac through their online system and have not received any responses.