davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-08-25
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)

Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX-XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX   XXXX**** XXXX  XXXX  XXXX****
Consumer complaint received 2015-12-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies.
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish an account without my written instructions
Consumer complaint received 2022-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

My XXXX has been for years being a 2013 XXXX XXXX XXXX. I was advised by The California Department of Vehicles that the paperwork should have been sent to them as soon as the last payment was posted. I now live in XXXX  and they sent me a notarized document that The Arizona Department Of Motor Vehicles will not accept. They want a Pink Slip that shows as paid in full and that the lien has been removed. This has been going on for months and resulted in non operation of my vehicle.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or around the date of XX/XX/XXXX, my wife and I, who are first time home buyers, were discussing with my lender XXXX Bank of America ) on a loan estimate for a mortgage on a new house we will be closing on XX/XX/XXXX. The account manager for us was XXXX XXXX. 

During that discussion, I had told them that we were ready to move forward with the loan with Bank of America. We had directed the lender to do a 90-day lock in rate so that we have that rate locked in by the time we close on the house. Then, we went through signing papers for the application. 

Routinely, I kept checking in with my lender to see if there's anything else that needs to be done on the loan application. As first time home buyers, there's a lot to the process so I wanted to keep verifying with my lender if there were any steps that were missed. There was no mention of not having the rate locked in. 

Around the end of XXXX, as I was checking in with my lender, he told me he had in fact not locked in the rate. I've been trying to work with the lender XXXX Bank of America ) on getting this resolved, even with the managers above my direct contact. The manager, XXXX XXXX, was supposed to call me back on XX/XX/XXXX, but then told me they would need another day. Its been two additional days since and my calls are not being answered or returned. 
After calling around the company for customer service, someone told me the verbal message from the manager was that they will not honor the 90 day rate lock in I had originally requested. 

I do not know how things are normally done, but as a first time home buyer, the process felt incredibly deceptive. It didn't feel like my lender was working in my best interest and only looking to increase the upfront loan costs. Additionally, with a new loan rate, which have increased, my closing costs will also increase significantly.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (TX)

Southwest Credit System Reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
Consumer complaint received 2022-05-17
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-24
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC (IN)

Collection company was paid completely, this was verified with the local courts using cause number. Debt collector is harassing my employer, now attempting to have a garnishment through the courts on my paycheck for exact same amount as was paid in full and verified. I also have the information from the courts showing this was paid.
Consumer complaint received 2016-01-16
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Advance America, Cash Advance Centers, Inc. (SD)

I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX
Consumer complaint received 2022-10-13
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX A Account Number : XXXX
Consumer complaint received 2022-05-17
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-12-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC (OH)

In XXXX of 2014 Credex started harassing me. They called me at my job and left embarrassing and threatening messages on the voice mail. I work as a messenger and travel thought out the hospital where I work. My work phone is in my office and when I am away from my desk the caller can leave messages on the office voicemail. I am not the only one who has access to this voicemail. My co-workers, supervisors and members of the Human Resources Department have access to those messages. 

The fact that Credex would leave messages informing people that I owed a debt to them was bad enough but the kind of messages they left made matters worse. They called me names and referred to me in derogatory terms, they threatened me with arrest, jail and garnishment. They threatened to inform my supervisors of my debt and their debt collection activities to have me fired. I asked Credex to stop calling me at work but they paid me no attention and continued to call me there. 

Credex also called me on my cell phone and left messages I counted 21 calls and messages on my cell phone. They also called me on my home phone. XXXX my home phone and dell phone are on the do not call list. These calls did not stop until my attorney filed a lawsuit. 

My case against Credex was filed in XXXX XXXX Ohio Common Pleas Court Case No. XXXX. Credex new of the suit because they contacted my attorney about the case. They, however, did not file an answer in the case and the court granted a default judgment against them for {$21.00}, XXXX as damages and {$2500.00} as attorney 's fees. 

I have not been able to collect this judgment because Credex is located in XXXX, N.Y. and I have not been able to find a New York Attorney who will handle this case for me.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am battling a negative account on my credit report that should not be there! XXXX XXXX flagged my account as late 30 days when it was not late! They messed up internally and they stated that the account was notated to be updated by the credit bureaus! It has now been over 60 days and I have not seen it updated! I am reaching out to the credit bureaus to honor that notation. This late payment is not only a violation of the FCRA but it is also a defamation of character and is predatory. It has prevented me from looking to purchase my home because I know it will hurt my chances. I am demanding that this account be updated to 100 % Current and paid on time status.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX, asking them to reinvestigate these accounts : 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXX, they sent me their investigation and said the accounts are complete and accurate. 
I looked at my report and noticed everything is still the same In addition, according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any investigation 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 has been modified or deleted from the file of the consumer.

( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report.

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681 s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Experian really did not reinvestigation they lied on an official document saying they did something that they did not do, and I have evidence to prove my case.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I believe Experian did not read complaint XXXX, XXXX and XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but Experian is instead giving me a hard time to give me my credit file I even gave a state issued identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior. These replies are starting to show that this company may have some time of artificial intelligence responding to these complaints. I demand a full investigation into this. In complaint XXXX the company flat out lied about sending the credit file. This is just unacceptable.
Consumer complaint received 2019-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX XXXX-XXXX in the amount of {$330.00}. I have never had XXXX XXXX and this account is not mine. Its also reporting open accounts that are not mine, XXXX XXXX, XXXX. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are to be deleted also.
Consumer complaint received 2017-09-09
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. (MA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Hi, my name is XXXX XXXX and I paid off my loan XX/XX/2021 and I am due 2 refund checks from escrow one for {$4500.00} and one for {$210.00} and some change. All checks has bounced in my account and I am being charged a fee for all {$15.00} each. XXXX XXXX XXXX  is placing a stop payment on all checks sent to me ( XXXX XXXX ) by Fay Servicing. My bank said, XXXX XXXX XXXX has a red flag on all checks going into that account. 

Property address is : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 

My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Moving forward, please send me only cashier checks in the amount outstanding and due to me from my escrow account.

Please contact me ASAP via email. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Tue, XX/XX/2021 at XXXX AM, XXXX XXXX XXXX wrote : Hi, I paid the account in full accord to the pay off demand letter balance.. but there is still an outstanding balance. I am requesting you pay the balance off in full immediately and send me a receipt showing zero balance and a deed for XXXX cXXXX XXXX XXXX XXXX XXXX ca XXXX. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Thu, XX/XX/2021 at XXXX PM, XXXX XXXX XXXX wrote : Dear XXXX XXXX, Thanks! 

Sincerely, XXXX XXXX Customer Service - Residential Fay Servicing , LLC XXXX toll free direct XXXX fax http : //www.fayservicing.com https : //www.fayservicing.comXXXX  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee, you should not disseminate, distribute, or copy this email and delete immediately. Fay Servicing is a debt collector, and information you provide to us will be used for that purpose. To the extent you filed a bankruptcy petition and received a discharge of your personal liability, or you are currently in an active bankruptcy case, this is being provided for informational purpose only and does not constitute an attempt to collect a debt or impose personal liability.
Consumer complaint received 2019-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (PA)

I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/XXXX in both accounts but have not received it yet.
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (NY)

I have reached out to the Bureau over 30 days ago I am yet to receive a response, these items are inaccurate and should not be on my credit report.