davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (CA)

I have tried to apply for a repayment plan based on my income/ability to pay back my student loan debt. I am currently on a repayment plan option but this past month, I have been transitioning out of my part time jobs and into a new job, however the job I am transitioning to will only pay minimum wage until further notice. My current monthly payment is at {$250.00}, I called today, XX/XX/2019 to discuss my past due amount of {$200.00}, as I could only afford to pay the {$50.00} the past month due to the transition/being out of a job. I was told that the only option was to go into forbearance, but then would lose my repayment option and there was a great chance that when I reapply for the repayment option, it would be higher than the {$250.00} that it is now which I am struggling to afford as it is. I decided to not take the forbearance since it did not make sense, but have communicated that I can only commit to {$200.00} / month. I was told that there was no way they could go under {$220.00} for my monthly payments and to not resubmit a repayment plan form because they will dismiss it since I am already on one until XXXX. They also will not accept an income-based repayment plan for any loan over {$30000.00}, which mine is, so I am at a loss. They said I could pay the {$200.00} a month but after 6 months, the additional $ XXXX/month would send me into default.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a XXXX XXXX speaker and I am getting assistance writing this complaint at a self-help legal clinic. I prefer that any response be in XXXX. 

On XX/XX/year> I tried to deposit {$3900.00} in cash at an ATM at a Bank of America branch at XXXX XXXX XXXX XXXX. in XXXX, CA, into the joint checking account I share with my husband ( acct # XXXX ). I fed all of the money into the ATM and then the machine malfunctioned ( there were loud beeping noises and letters on the screen that I couldn't understand ). I saw two other people who were having similar issues with the ATM machines that day. 

I went inside the bank to try to get help and when I returned, it appeared that the machine was working again. It returned my card and {$100.00} that I had deposited. I fed the {$100.00} back into the machine and it worked. Then, when I checked my online banking account, I realized that only {$300.00} of the original deposit plus the {$100.00} from the second transaction appeared in my account. {$3500.00} of the money that I fed into the machine never appeared in my account. I went back into the bank to try to get help but it was difficult to find someone who I could communicate with in XXXX. When I did, they told me that there was nothing they could do and I needed to call the number on the ATM. 

I called the number and made a report on XX/XX/year>. On XX/XX/year>, I received a response from Bank of America via letter stating that after an investigation they concluded that there was no record that I had deposited the missing {$3500.00} into the account. They did not include any details pertaining to the investigation they conducted. On XX/XX/year> I received notice via letter that Bank of America that they were closing my personal checking account ( acct # XXXX ). They informed me via phone that they were actually closing both the joint account and my personal account on XX/XX/year>. The funds in both accounts are currently frozen. 

I am still missing the {$3500.00} in cash that I deposited into the ATM and now do not have access to the funds in either my joint account or my personal account. This causes great hardship to me and my family as we depended on these funds for our basic needs.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Around XX/XX/XXXX I notified XXXX XXXX of my divorce to XXXX XXXX XXXX and sent them a copy of my divorce decree and special warranty deed. Both documents show I am no longer responsible for any part of the mortgage of the property located at XXXX XXXX XXXX XXXX, Texas XXXX. XX/XX/XXXX I received a release of liability statement from the Department XXXX XXXX XXXX and faxed that as well. I also faxed all above mentioned documents to all three credit bureaus. The mortgage was removed from all three bureaus around that time. Sometime in XXXX the XXXX XXXXe reappeared on my equifax credit report. I found this error only last week unfortunately. I contacted equifax and filed a dispute. Equifax responded with XXXX said it was a factual debt. I have fought with XXXX over this mortgage and all the 60-90 day lates and I am tired of dealing with something that feels unwinnable. At this time this is the only thing hurting my credit my FICO score would not be in the low 700 's because of a XXXX Equifax credit score because of fraudulent reporting. This is no longer a mistake it's fraud when it is taken of then put back on and the reporting company has the information knowing it shouldn't be there!
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Consumer complaint received 2022-11-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX  and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NJ)

Care Credit will not honor a {$3000.00} promotional XXXX XXXX XXXX I was promised. I used it at the hospital for my son and was told it was XXXX. However Care Credit is now saying they swiped it as a XXXX. I could have used any other of my cards for a promo, but this is my HEALTH CREDIT CARD that we have used for over $ XXXX in the past. They are a predatory lender and use misleading information at the hospital and doctors offices. They misappropriate payments when you are on promotional balances. They are bullies and their representatives do not care about their customers
Consumer complaint received 2023-01-27
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. (GA)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX XXXX XXXX Balance Owed : {$200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX XXXX XXXX XXXX Balance Owed : {$920.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (KS)

This complaint is a consequence of my original one dated XXXX which has been already closed - # XXXX. There, I stated how we purchased furniture at XXXX XXXX XXXX in XXXX  XXXX, XXXX in XX/XX/XXXX. We were lured by the XXXX percent interest in XXXX  months financed by Well Fargo. After the furniture was delivered and we received our first statement showing no interest charged, I assumed no interests will be charged to our account until XXXX XXXX when I had the chance to check our balance and learned Wells Fargo has been charging interests on this purchase. I submitted my complaint to CFPB on XXXX XXXX and Wells Fargo responded with all sorts of statements claiming they were not going to reverse the interests charged to our account. 
I responded saying that we assumed responsibility for not keeping the original receipt from the day of the purchase where no interest was shown. We took a loss! However, yesterday, XXXX XXXX, I received a phone call from XXXX XXXX, Manager at XXXX XXXX, saying we forgot to sign the original purchase contract agreement. That was weird that we get a phone call from the furniture store at this point. She sent the new " fabricated document '' showing an APR of XXXX %. She wanted my husband, XXXX XXXX, to sign it ASAP. 
I was in a shock and disbelieved at how these XXXX companies - Wells Fargo and XXXX XXXX have conspired to fabricate this contract agreement, making sure there was an interest rate of XXXX % on the purchase made in XX/XX/XXXX. The purchase was done! Almost at XXXX  months since all that was made and done. Why out of nowhere they were sending this " new contract ''? Look at all documents attached here. Check how it was carefully drafted - receipts were printed on XXXX XXXX. 
XXXX XXXX tried to tell me that there was aXXXX % interest rate included in our original contract and also stated and we did not understand. That's not true. If so, where is the original invoice? Why are you needing our signature now? After XXXX  months? In complicity with Wells Fargo, notorious for falsifying documents, this woman called us XXXX  yesterday and sent these documents via email. 
Whose idea was it to have her contact us? After this purchase was done XXXX  months ago. Why is she doing this for Wells Fargo? What is the benefit? 
From the beginning this was a joint account. But XXXX was in a hurry wanting my husband to sign this fabricated document ASAP for their records. Check what she sent me in the attached documents.
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.
Consumer complaint received 2017-01-20
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE (FL)

As per attached letter and agreement between CFPB and XXXX ( XXXX ), XXXX sent me the reimbursement check {$440.00}. However, I was not able to deposit the check on time due to relocation, and the copy of the check was given to me just recently. I called the number on letter and requested to reissue a check as it is already expired. Unfortunately, my requested was denied. They recommended to contact CFPB to resolve the issue. Please, advise
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-05-26
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.