davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (MO)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX MO ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I am a victim of a scam. I filed a police report and am attempting to help the police catch the people involved. 
I reported the fraudulent charges to Citibank and faxed the report to them as instructed. The bank denied the fraud and said there was nothing I could do about it. This was over the phone and the call was recorded.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (KY)

i answered an add from american freight to purchase a bedroom XXXX XXXX XXXX dollars down on XX/XX/XXXX XXXX they said i had to sign the agreement within XXXX minutes or the offer would not go through so i did as he instructed without having time to read the agreement. 
later i found out that they were charging a finance charge of XXXX dollars on top of the price of the furniture which is XXXX. if it wasnt paid off in 100 days they were adding XXXX dollars. 

i also had to agree to pay over XXXX dollars a month on auto pay. im on a fixed income and my account became overdrawn which caused me to have to change bank accounts. 

after making several payments from my bank account i reached out to american finance to ask for help and they threaten to harrass me by phone if i did not make a payment by XXXX third XXXX
Consumer complaint received 2024-09-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

We purchased a {$200.00} Vanilla prepaid Visa debit card in XX/XX/year>. The card does not work anywhere. It is always declined. We have attempted to contact Vanilla via XXXX Bank with no success. They have essentially stolen {$200.00} from us.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, 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)

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Consumer complaint received 2017-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MO)

I had a total of 3 loans from XX/XX/XXXX to XX/XX/XXXX, With XXXX XXXX XXXX. In trying to collect, they harassed me at work, by phone, asking for unreasonable amounts of money I could not possibly pay, and were not willing to be reasonable to try to work out a settlement. In XX/XX/XXXX, they took me to court and I was sued for the full amount. They did not possess the original documents, but I wound up settling with them for a lesser amount to keep from paying the full amount.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

The following information has appeared on my check systems report. I don't recognize these accounts and I need the following information validated that are listed below. If you can not VALIDATE these accounts & inquires on the report I demand that they be removed ( cease & desist all reporting accounts ) within 15 business days. 

XXXX XXXX XXXX Acct # XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (PA)

I received results f re om experian dispute. I have subscribed to their plan for almost XXXX Iam XXXX and they want me to go to the police for a account on my credit report and they refuse to tell me what information this company provided them. Experian keeps saying the info is valid. I requested a dispute to remove it. Now the information from the negatively reporting company is even more recent than prior to my complaint. The company name is XXXX XXXX. I asked experian to require the company to furnish what they have establishing my agreement they have not. I pay Experian to monitor.
Consumer complaint received 2022-10-25
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. (GA)

I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC (NV)

On XX/XX/XXXX I contacted Roundpoint Mortgage to inquire about payment options for XXXX payment. I was offered a repayment plan agreement. The representative gathered info to see if I qualified. I was informed that I qualified for the program. I asked the representative on XXXX occasions if I would report a late payment on my credit. The representative responded by saying " It will report as a repayment plan ''. The second time asked the response was the same. I also made a partial payment of {$500.00} with the representative for XXXX 's payment on the same day. On XXXX I received an alert from XXXX that a XXXX late was reported by Roundpoint. I called Roundpoint to see why it was reported as late. The representative informed me of the terms of the repayment plan and how it would impact my credit. I explained to the representative that I was not given this info when I was placed on the plan. The representative apologized that it was not explained and asked if I would like to dispute the 30-day late, which I did. I also made the remaining payment that day and requested to be removed from the program. I received the dispute resolution on XXXX denying the removal of the late payment. I called XXXX on XXXX to discuss the results. In the letter is stated that the results were based on the letter that was mailed on XXXX that outlined to terms of the agreement and the phone conversation. I didn't receive the letter until XXXX. By then the XXXX late had been reported. They never provided proof that the representative explained the terms of the agreement during the phone conversation. If the terms were fully disclosed on XX/XX/XXXX I would have never agreed to the program and would have made the full payment vs. the partial payment on XX/XX/XXXX. I spoke to XXXX representatives on XXXX. The last person was supposedly a manager. She informed me that the credit department doesn't speak to customers and that the decision remain the same no matter how many times I requested an escalation or dispute.
Consumer complaint received 2023-07-18
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. (FL)

In according with the federal credit act 15 U.S. Code 1681i my right has been violated. - Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The following complaint number are going over 30 days period. 

the letters was submitted certified at usps. 
tracking number : XXXX return tracking number : XXXX I never receive any answer from experian, its been over 30 days
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (SC)

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 2023-01-05
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 account XXXX XXXX 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 604 A Section 2 : it also states a consumer reporting act can not furnish an account without my written instructions.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Every time I try to with withdraw money from an ATM. Card gets frozen. Account gets locked. I have no access to my account and money. Bank does not answer phone because they a too cheap to staff employees. They have been instructed not to freeze account under any circumstances yet continue to do so. Literally have to wait until they open until next business day because they dont answer the phone. You sit on hold for hours because they dont staff people. They refuse to give me access to my own money which I need to pay bills and feed my family. They simply dont care. Bank needs to be shut down. This is fraud. Ive had do go without any money because of the bank.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (AL)

I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following addresses are incorrect: XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX  XXXX XXXX XXXX XXXX ga XXXX,
Consumer complaint received 2018-10-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

This began about 5 years ago. We applied for and received a loan modification, because of financial hardship. It was about a 6 month process because of lack of communication on the part of TDBank. That following XXXX, TDBank tripled our mortgage payment without informing us in order to pay taxes TDBank had not paid. My husband and I had no idea until TDBank sent a payment back in XXXX of that same year. Since then, we have tried multiple times to get a loan modification again. We get so far with an agent, and the company switches us to another agent without our knowledge to begin the entire process again. TDBank has frequently lost our paperwork. We wait 20 minutes to speak with someone, then get the runaround without resolution. At one point, we were turned down, because they entered incorrect paystub information stating we made less money per week than we actually did. We eventually hired a lawyer who also struggled with TDBanks lack of transparency and customer service. We currently are working with a HUD advisor from XXXX XXXX XXXX ( XXXX XXXX ) who advised us to communicate with you. If necessary, I can go back through everything and try to find all of the emails and documents. There is a lot. We have a mortgage and a soft second mortgage through TD Bank.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (GA)

My APR with American Express is 28 %. I have been a customer in good standing for years. 
I called American Express several times asking if I could have a break on my interest rate mainly due to the fact that my credit score is high and I have paid on time each month. I called XXXX XXXX XXXX XXXX  and spoke to someone I could barely understand because they had an unintelligible accent. I was told there were no deals available. I called again XXXX XXXX XXXX XXXX and the agent again was difficult to understand. I was told there were no deals available again. After The Federal Reserve Chair lowered interest rates, I called again XXXX XXXX. I again found myself on the phone with someone I could barely understand and I asked Now that the federal reserve has lowered interest rates, will I see an adjustment with my interest rate. The female agent repeated There are no deals available right now. Im not sure how American Express is calculating my interest, but it seems as if Im being charged interest on top of interest. They have access to my credit score and yet they see no reason to offer me relief even though interest rates were lowered by The Federal Reserve Chair.
Consumer complaint received 2024-04-08
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. (CA)

Im a natural person, I am a living human being. Have rights under 15 USC 1681. 


Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

According to 15 USC 1681. I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 



ACCOUNTS DateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05
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. (MA)

Since 2019, when I first noticed my student loans inaccurately reported in default, I have written letters with numerous attempts to fix the wrong information on my credit report. They claim to have investigated this account. Now, since the loan servicer XXXX is not in business, how did they investigate with them,? I can't even get in touch with them. This means to me, their investigation is fraudulent.
Consumer complaint received 2018-04-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. 
I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. 
I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. 
Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.