davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wish you to permanently remove these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all 3 of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

The mortgage company reached out to me to let me know I was pre-approved for a mortgage loan. They asked me to pay {$41.00} to pull my credit, required right on the spot. The loan officer reviewed everything and approved me for the loan and asked me to e-sign the documentation. Once this was done he told me that I would be required to pay a {$500.00} fee to lock in the interest rate. I explained to him I never heard of such a thing, typically the rule of thumb is loan approvals are good from XXXX days depending on the loan. He instructed me that it's technically the " underwriting '' fee which all mortgage companies will charge. I told him these fees are typically paid via being added to the loan or in the closing costs. He tried to explain to me that every company does it differently, they just happen to require the payment up front and it will lock in my interest rate for 60 days. I asked him to send me the document with the interest rate via email to assure I had this document for my records, not just displayed in their online portal. I signed off on a locked in interest rate of 6.2 %. The loan officer then transferred me to his colleague who is the loan processor, to collect any additional documents needed for the loan. I submitted all documents as asked ( pay stubs, home owners insurance, etc. The loan processor then asked me to review the loan terms one more time for accuracy and sign it, I noticed the loan rate and percentage was different from the agreed upon rates, in which I paid to have locked in. It was now showing as 6.5 % I asked her to modify it to reflect what I paid for and she stated she couldn't make any loan adjustments it would need to be done by my loan officer. He has been unreachable to rectify this situation and a refund has not been issued for my {$500.00}. 

In addition, I have read reviews online ( unfortunately, after the fact ) and this company has done this to a good amount of people. Please assist.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NE)

XX/XX/year> I spoke with an agent to enquire why I am unable to use the balance transfer option to pay down loan as this is listed as an option on my online account. The agent stated that they are unable to pay loan using balance transfer however this was not found on the balance transfer section on my main page. This also was not in the promotional emails I received nor was this in the " transfer a balance '' screen where it prompts that I can input information to send funds to a loan. I have tried to do this many times and previously I was offered a balance transfer to my checking account. I feel as though Barclay should honor the offer that they had sent to me for this 0 % balance transfer with the promotional rate until XX/XX/year> as they had sent to me via email and on my online account to be utilized for my loan. When trying to input my loan number the only information that I received was to enter a valid account number and the institutions information which I had done. When I spoke with the agent I asked if there was anyone else I could speak to so that this could be done as I felt as though it was deceptive that this was the offer that I received and I am not able to utilize this due to no fault of my own as even on my statement it does not explain this. The agent advised that no one would be able to assist with making this change however this again is what I was offered and I just would like to use the balance transfer offered as it is promotional.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX. XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 : XXXX  XXXX Account XXXX Account Name : XXXX  XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-01-31
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. (NM)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-01-31
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)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-05-28
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Westcreek Financial (CO)

The Local XXXX store # XXXX charged me for the brakes service and brake installation on XX/XX/2024 on my vehicle to my debit card to pay in full for that and an oil change. At that time the store clerk told me I could get an interest free loan for all the work on my truck, they thought, I needed ( XXXX worth of SERVICE and Parts ) if I filled out an online XXXX credit application. 
The company application is one name, westcreekfin.com, and the " lease '' whihc is a high interest line of credit, is by another name Koalafi.com. I receive a partial credit to my debit card upon applying for three days of calls and solicitation from Koalifi. On XX/XX/XXXX I received the approval and loan terms which are monthly compounding interest of 200 % or more and prepayment penalty. Since then, I have been trying to get local and state govt involved to help me pay off the amount I allowed to be credited to my bank without the huge prepayment penalty and huge amount of interest and fees. 
they sent me an email from XXXX and XXXX and a phone number XXXX in order to explain why they call this a lease- still not a lease by any legal terminology, and how they justify their illegal trade and collection practices as well as the predatory lending.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The listed creditors have initiated pulls of my credit report without my consent and invalid information is being report. These accounts do not belong to me this is impacting my score. I've asked creditors as well as reporting agency to furnish information showing my consent to receive credit and they have yet to do so. According to federal law equifax is violating my rights as a consumer.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (TX)

I had a medical debt ( date of service XX/XX/XXXX ). It was sent to FCOA and I settled it in full in XXXX, XXXX. In XXXX, XXXX I received another email offering to resolve another {$480.00} debt, allowing payment online, over the phone, or through mail. 

I have XXXX children and have to track many, many medical bills. Not only is this kind of communication creating a new hassle for me that I don't need, but it also makes people like me vulnerable to overpayment of settled debts. 

They also have my account incorrectly marked as outstanding with the medical provider XXXX, XXXX, and XXXX, which could hurt my ability to get medical care from them.
Consumer complaint received 2023-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (OR)

In 2018 my previous university basically forced to take out a private loan so they can pay the rest of my school tuition as I can remember my XXXXXXXX XXXX was not enough, at that time I was enough naive to consent and made me sign documents, within those documents I was naming a co-signer who happens to be a close friend. But because I decided to go back to graduate school I was not supposed to repay, but these people kept sending docs to this friend about this loan because I was not paying because I was in school, anyway this entity DISCOVER/Student Loans has been harassing this friend with the intention to intimidate her/me. I just finished my school and I am looking for a job to I can repay this loan, but would like to know what my rights are as I feel a co-signer should not be punished if the main borrower ( me ) can not pay. So just need some advise
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX Balance : {$74000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX Balance : {$9500.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

My savings account was hacked by a person posing as a usaa agent on XX/XX/XXXX. The person involved used my joint account I have with an ex wife I used to pay child support of XXXX a month. The person mailed a debit card for that account to a physical XXXX location and syphoned my savings into the joint account and used the debit card for that account and withdrew {$900.00} withdraws to various atms, XXXX XXXX and post office. Depleting my savings of $ XXXX. The person involved also deposited a fraudulent check of $ XXXX with an endorsement signature that wasnt mine which could be compared to previous deposited bonus checks form my employer. This resulted in a negative balance of - $ XXXX. I reported the activity immediately to the bank as I was locked out of my account and my ex wife notified me of the activity. Ive been denied on 3 re-reviews and held liable for the negative balance. I later found out the reason for the first denial is they believed I gave access stating I made a call claiming under the direction of an attorney to withdraw assets. I stated that wasnt myself and to compare the voices as they wont be the same. They gave me thresholds of 5 business days to which Ive had to contact them only to find out decisions made well in advance with no notification to me every time one agent didnt submit the re review correctly which cost me another week of waiting. Ive asked for documentation and decision letter. Ive filed a police report with an assigned detective. Ive been forthcoming with all information to include the detectives to assist with the investigation. They never contacted the officer. Ive had my assets froze since the XXXX of XXXX. My checking account wasnt affected and I have $ XXXX in it I can not access and Im now delinquent on many bills. Ive been a member for 15 years too include vehicle and rental policies as well with no previous claims and Im being told this is my fault and they are separating service and I am responsible for the negative balance. Please help this isnt right.
Consumer complaint received 2024-02-01
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (TX)

Loan assistance was applied for, given required documents list to provide, 2 paystubs and budget sheet, this was all send within the 30 days and after receiving they closed the case for incomplete status saying they didnt get the docs, emails can be verified they were sent, i sent again and again asking for deferment from LoanCare/Lakeview servicing.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Upon checking my credit profile, I noticed a couple of unfamiliar inquiries on the report. After trying to dispute the inquiries with the company ( Equifax ) I was asked to file an identity theft claim to proceed any further in which I did and later showed proof of the report to the company and was sadly given no update nor proper help with the issue.
Consumer complaint received 2024-02-01
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. (FL)

I recently received notification that my complaint was closed without any further resolution. This outcome has left me disheartened, as I believe a more thorough examination of my concerns is necessary. In a situation where inaccuracies impact one 's credit report, it is only fair to expect a diligent and comprehensive resolution.