davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK (FL)

Unemployment hardship that just ended. Ongoing Midland disregarded valid Hardship compounded with XXXX XXXX impact and still ongoing long covid recovery. We provided Midland with proof that we were supposed to be properly considered for Forbearance or Moratorium per their published procedures. Instead, at speed Midland continued to report us as though delinquent ( as they also did last year during our covid case ). Then disregarded our signed application stating homeowners wife has long covid XXXX and not working ; wasted a month asking for her wage slips. Then re-asked for income information of main wage earner supplied 2 months earlier. Homeowner provided detailed income receipts. Midland sent agent to inspect and take photos of our house while we were home. House is in good maintenance. Midland continued, against their own published policies, to report to credit bureaus losing over XXXX of joint credit scores as though delinquent without a federally-exception ( XXXX, XXXX XXXX disaster area, followed by sudden unemployment ), once new job was secured when XXXX weeks wages received, an extra unnecessary burdeo was placed when Midland insisted on seeing job offer letter. Provided immediately by fax with receipt kept. While continuing to wrongly report us to the credit bureaus - thus negaitvely impacting quicker return to to work. Homeowner rReadily supplied multiple emails and faxes to Midland between XX/XX/XXXX and XX/XX/XXXX on their XX/XX/XXXX deadline. All were disregarded and at high speed rushed into foreclosure. Homeowner kept receipts showing delivery receipt to of emails and copies by fax as a precuation ( covid-related case mishandled last year with same provider ). Homeowners should have qualified for streamlined refinance due to ARPA fund available after covid impact case # XXXX which should have been paid by HAF until XX/XX/XXXX for 18 months. HAF mishandled but either way refinancing through FHA or other method, loan modification etc were all viable options. All the following parties in Midland are denying receiving all supporting documents proving hardship! Rushing our USDA-guaranted loan into foreclosure is non compliant with statute and their own published policies sent to them. Midland never replied to one single question in the past 3 months including when we wrote asking why they increased mortgage to add {$500.00} more, in XXXX XXXX after a massive insurance hike, when our USDA loan to value ratio does not warrant having a bond. We are outside range ( also not replied to ). How many other hardship families are MidlandMortgage decisioning without facts supplied? XXXX, XXXX XXXX, XXXX, XXXX, XXXX date : XXXX XXXX, XXXX, XXXX subject : Re : Documents Needed for Your Application - see XXXX XX/XX/XXXX with attachments
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

On XX/XX/2019, I used the ATM at a XXXX XXXX  in XXXX XXXX, XXXX, because I thought it was an XXXX XXXX. After filing a complaint with the XXXX, I learned that XXXX in the USA is a subsidiary of a foreign owned holding group with the exact same name for marketing purposes. I entered my card in the ATM machine, selected English, and attempted to withdraw money. After I selected the amount of money I wanted to withdraw, the ATM machine displayed a screen offering to exchange my US currency for XXXX Pesos at a rate that was clearly below the current exchange rate. I pressed the button to indicate that I declined to accept the transaction. The ATM then dispensed my card to me, I retrieved my card and walked away from the machine and withdrew money from a different ATM machine at a different bank that did not try to charge me a false exchange rate. 

The next day I noticed my account was debited {$310.00} by XXXX for that ATM transaction and I contacted my bank, Charles Schwab, to open a dispute. On XX/XX/2019, I learned that XXXX XXXX with Charles Schwab had investigated my dispute and XXXX had reported that the ATM was operating properly and there was no discrepancy that day. I reopened a new complaint explaining that even if that is the ATM is programmed to offer a below market exchange rate, dispense the customer 's ATM card, and thereafter dispense cash from the ATM, that is misleading and fraudulent and that I should not be responsible for an ATM machine dispensing money after I declined the transaction and my card was returned to me. I requested Charles Schwab request the video from that ATM and the logic that the ATM uses prior to offering a below market exchange rate and then dispensing money.
Consumer complaint received 2022-05-03
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. (MS)

In accordance with THE Fair Credit Reporting Act, ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX XXXX 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 SECTION 2 IT ALSO STATES : A CONSUMER REPORTING AGENCY ( CAN NOT ) FURMISH A ACCOUNT ( WITHOUT WRITTEN INSTRUCTIONS ).
Consumer complaint received 2021-12-06
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-12-06
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX  XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IN)

On two occasions I have been charged an overdraft fee that put my account in the negative. However, it was the fee that put my account in the negative. When I asked them about it they told me I had pending charges that put me in negative balance. Ive also been set up to notify me if a transaction causes a negative balance. However, they dont alert me until the next day so that I can not react and fix it. Instead they alert me next day after the fact so they can charge me a fee. Its worst experience ever to be used and lie to by a financial institution that we should be able to trust with our hard earned money.
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

I just ordered a copy of my credit reports and this Aargon agency is on my XXXX XXXX, XXXX  and XXXX. I dont owe this company or any company theyre saying I owe. I never heard of this company until I googled this company and seen all the negative reviews.
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (GA)

This account became delinquent in XXXX 2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XXXX XXXX, 2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XXXX XXXX 2019, I paid the monthly payment amount of XXXX, on XXXX XXXX 2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX-19, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Consumer complaint received 2018-10-09
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)

I am a victim of inquiry issue. 

XXXX : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I AM NOT SURE WHAT THESE INQUIRIES ARE FOR, BUT I DID NOT GIVE THEM PERMISSION TO CHECK MY CREDIT OR GIVE ME AN INQUIRY. I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. I CALLED XXXX  / EQUIFAX CUSTOMER SERVICE AND TOLD THEM ABOUT MY SITUATION BUT THEY DID NOT WANT TO HELP ME OUT AND DID NOT WANT TO TAKE CARE OF THE NEGATIVE INQUIRIES ON MY CREDIT REPORT
Consumer complaint received 2021-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (OH)

XXXX and XXXX of 2020 I applied for a personal loan on XXXX and they told me that i did not have enough check stubs and that was fine. So i applied again on XXXX I put the app in and they told me that i was approve and they would use my car as collateral and i needed for 4 check stubs which in my case 2 since i get paid ever 2 weeks they lied and said that i was not approve because of income which i know is a lie because i am a truck driver and then the next day i called customer service in Indiana there main headquarters and said i got turned down because a have alot of inquries which is a lie too. 

one main financial XXXX XXXX  XXXX XXXX. 
XXXX XXXX Oh XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Roosen, Varchetti & Olivier, PLLC (GA)

I was the victim of identity theft from XX/XX/XXXX-XX/XX/XXXX. As a part of the identity theft, private student loans were obtained. The company representing the loans is XXXX XXXX XXXX XXXX XXXX. The private student loans were opened up in XX/XX/XXXX. I was made aware of the fraud in XX/XX/XXXXand filed a police report with the XXXX XXXX XXXX XXXX in XXXX, Georgia. I signed all the appropriate affidavits..some multiple times. I received a call in XX/XX/XXXX from XXXX and told the gentleman my story, he admitted some notes were there noted fraud and he would open a dispute. The next time I heard from them was XX/XX/XXXX, when the Sheriff came to my door with papers for a Judgement Claim from XXXX! First off, the loans are FRAUD, and they know it! Secondly, if they were mine it is past the Ga Statue of Limitations to file such a suit. I hope you can help me because this is making me physically stressed and Im currently a high-risk XXXX. Thank you.
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX  XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

An ACH withdrawal in the amount of {$2000.00} was made against my credit card. It is fraud, not authorized by me or my husband ( joint account ). Transaction date XX/XX/XXXX. Appeared on my online statement XX/XX/XXXX. I discovered it XX/XX/XXXX and began formal fraud complaint with Bank of America. At least 5 follow up calls from me, and a discussion with local bank branch who also initiated a complaint. 
B of A maintains that I am financially liable for the amount, and that they will take 90 days to investigate if they choose.
Consumer complaint received 2021-12-06
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
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. (NJ)

The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( 1099A ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Consumer complaint received 2019-08-27
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. (IL)

My car was repossessed XX/XX/XXXX and was redeemed the following day XX/XX/XXXX. The " Redeemed Repossession '' comment is still reporting as of XX/XX/XXXX and negatively affecting my credit score. This is currently violating the FCRA 15 U.S. Code 1681c due to reporting after the 7 year / 7 year 180 day mark.

Per 15 U.S. Code 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ... 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.5 Also : ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.