davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
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. (LA)

XX/XX/2021 I received my consumer report in the mail from Equifax stating the account XXXX was deleted. Days later I got on the phone with Equifax XX/XX/2021 to make sure this account was not on my consumer report and the representative stated that the account was verified. I sent the credit reporting agency an affidavit letting them know the account does not benefit me the consumer and that the account should be deleted. An affidavit unrebutted stands as truth. Since they stated they investigated it and it is accurate, I'm asking who did they interview pursuant 15 usc 1681a ( e )? They did not interview my family and associates pursuant 15 usc 1681a ( e ). I've also let Equifax know that no factual information can be on a consumer report pursuant 15 usc 1681c. Equifax continues to report an account that does not benefit me. I've never given them written consent in the first place pursuant 15 usc 1681b ( 2 ). I'm instructing Equifax to delete the account immediately.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (GA)

XXXX shows XXXX 30 days missing paying on a car loan, one in XXXX and the other in XXXX. 
XXXX only has XXXX days and XXXX on each leap year. 
Ally shows payments in XXXX and XXXX as being paid as agreed. How did XXXX account for 30 days in the month of XXXX? 

If this was a computer error and automatically generated it should be corrected.
Consumer complaint received 2023-04-04
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. (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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (FL)

I came to XXXX of XXXX  XX/XX/XXXX to purchase a XXXX XXXX  i had a preapproval from XXXX XXXX XXXX and told them that i already had outside financing. They kept pressuring me to pull my credit again to find a competitive rate for the approval i already had i was hesitate and told them i rather go with pre approval but they kept pushing to pull my credit. they ended up pulling my credit and said they couldn't beat my interest rate of 2 % from XXXX  XXXX XXXX. They went behind my bank and switch my finance company to southeastern toyota finance without my knowledge with an interest rate of about 6 %. They kept using coercion tactic to prevent me from leaving dealership without signing for the car. Eventually the car got repoed XX/XX/XXXX they sold my information to a third party tow company they came to pick up the car while the car was out in a shopping plaza. There was no explanation the car was just gone and they wouldn't allow me to collect my items from the vehicle after towing it. They damage my property in the car and they sold the car to auction. I sent letters to ask them to validate the debt XX/XX/XXXX the dealership keep saying my claims was baseless and I sent a letter to arbitrate they didn't enter arbitration with me and told me i will be required to pay for all attorney fees
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

Mortgage XXXX : XXXX XXXX Refuses to entertain a Mortgage XXXX. 

We are in a Chapter XXXX bankruptcy to stop the sale of our home and have been making monthly payments ( {$2500.00} ) via the Chapter XXXX trustee portal system to this Mortgage servicer for over the past 12 months. ( Actual loan payments should be - {$1500.00} ). 

It should be noted that the Chapter XXXX Judge - required the Mortgage servicer to meet with us to review & consider a Modification. However when the Modification discussion/review occurred with XXXX XXXX XXXX the meeting lasted less than 10mins. 

XXXX XXXX reported when asked during this Modification Conference call - that they ( XXXX Servicing ) are not required to adhere/follow of the XXXXS government guidelines ( ie, Dodd/Frank ) XXXX And that they consider our mortgage account closed- but continue taking payments from the Chapter XXXX trustee funds and not to entertain any discussion with me. 

My question and request for guidance for CFPB is how can a mortgage company / servicer be above the law or government guidelines. And treat people this way. 

All my wife and I want to do is to be able to continue to make payments- obtain a modification and transfer away from this mortgage servicer to be able to keep our home.
Consumer complaint received 2023-04-04
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. (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 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 2019-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Paramount Capital Group, Inc. (CA)

PARAMOUNT CAPITOL GROUP XXXX XXXX XXXX PAXXXX Acct # XXXX I spoke with XXXX XXXX about my account on ( XX/XX/XXXX ) and I asked her why they were not sending me my states meant since XX/XX/XXXX. She claimed that I filed bankrupt on XX/XX/XXXX and listed there organizations in the bankruptcy case. 
I told her that she should of received a document in XXXX XXXX regarding the release to continue with the loan agreements, further more, I told her that I need all of the statements since conception ( XX/XX/XXXX too XX/XX/XXXX. 
She said she needed to copy of the bankruptcy discharged papers in order to release them. 
I sent them on, by email, on XX/XX/XXXX. I sent her two more emails asking her where are the statements? I have had no response from her or the company.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Credit Bureau, I am pretty much at my wits end here. Your job is to ensure that the information on my credit report is accurate and reporting correctly! That is the law! I know my rights and the FCRA is a law that the government put in place to ensure that you do the right thing when it comes to my credit report. 
You have blatantly ignored that! 
I am demanding that the following accounts ) be removed from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments : Placed for collections. 

XXXX XXXX XXXX $ XXXX Comments : Account information disputed by consumer, meets FCRA requirements I am requesting that a full credit report showing these deletions be sent to me after the investigation has been completed. 
Regards, XXXX XXXX
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I applied for a Capital One credit card and was denied. I called them to get an explanation of the reason for the denial. They could not say anything but the reason that was generated and makes no sense if you read it. " Based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for amount of credit requested ''. This does not explain in reason why I was denied. A person 's credit report does not provide income information. Also it does not explain how much credit I was applying for. So how can they base a decision on information they don't know. I was told to reapply that is the only thing I could do and no explanation.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I tried to purchase an XXXX at the XXXX Store in XXXX, Washington, DC using the XXXX   Loan payment plan. XXXX  declined the loan with the following statement to me : " UNABLE TO ACCESS CREDIT REPORT. CONTACT CREDIT BUREAU TO CONFIRM YOUR STATUS. '' Incredibly I just paid off a two year loan with the same company. They referred me to the credit company who blocked my account, and this company is Equifax. 

I called the Equifax number requested and spoke with three consecutive individuals, all of whom were asking questions about accounts that I do not have or ones on which I can not remember monthly balances. They were unable to unlock my account. I became very suspicious of all the questions because Equifax is a company that has had a substantial data breach and is not to be trusted. 

All of the people who I was told could help me by phone stated they could not remove a " Stop '' or " Freeze '' on which they have imposed on my account. All of my financials are in an excellent state and I can not understand why they are locking my account. I believe it may be because I refuse to pay them a monthly fee or a fee to get a credit report. 

I have not asked Equifax for anything and don't even know why they have my account information and can prevent me from getting a loan.
Consumer complaint received 2022-10-05
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: CLGF Holdco 1, LLC (TX)

I am not liable for this debt with Indigo/Celtic Bank . They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX  phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed. 

3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX a fraudulent charge of {$450.00} was made on my Bank of America credit card to the XXXX XXXX XXXX. of XXXX XXXX. I have been attempting since XX/XX/XXXX to resolve this issue, but the bank continues to deny my fraud claim even though I have provided documentation to prove I didn't make the charge. 

I have even contacted the vendor, who concurred that the transaction was likely fraudulent because of the suspicious return email address. 

As of today ( XX/XX/XXXX ), the bank is still denying my claim, and their Existing Claims department said there's nothing more they can or will do. I have implemented a dispute with all 3 credit reporting agencies, but need to get someone at Bank of America to respond.
Consumer complaint received 2018-05-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

TRIED TO PURCHASE A DITECH FINANCIAL FORECLOSED HOME FOR CASH. WE OFFERED {$24000.00} AND THEIR AGENT, XXXX XXXX SAID THEY WOULD TAKE IT BECAUSE THE HOME WAS STRIPPED AND BEEN ON THE MARKET FOR 4 1/2 YEARS. HE SAID THEY WOULD TAKE ALMOST ANY OFFER. THIS WENT ON FOR TWO MONTHS, BUT WE NEVER GOT AN ANSWER. TWO DAYS BEFORE CLOSING, XXXX SAID DITECH WOULD HAVE TO HAVE {$35000.00} OR WE COULDN'T CLOSE. THIS WAS AFTER TWO MONTHS OF XXXX TELLING US DITECH WOULD TAKE THE OFFER.HE NEVER IN TWO MONTHS WAVERED ON THE {$24000.00}, BUT HE ALSO NEVER SUBMITTED OUR OFFER TO HIS BOSSES. 
HIS BOSS SAID THEY NEEDED {$45000.00}, BUT CALLED TWO DAYS LATER WITH THE {$35000.00} PRICE. THIS WAS ALL AFTER WE WERE SUPPOSE TO CLOSE A WEEK EARLIER AT {$24000.00}. TREATED US LIKE WE WERE THE ENEMY. VERY RUDE ON PHONE. THEY FINALLY ARRIVED AT {$35000.00}, WHICH DIDN'T LEAVE US ENOUGH TO FINISH THE HOME. 
MY WIFE AND I GOT PHYSICALLY SICK OVER THIS WHOLE ORDEAL. WE DON'T WANT ANYTHING EXCEPT OUR {$11000.00} DIFFERENCE. DITECH FINANCIAL IS  FRAUDULENT AND VERY DISHONEST. SEVERAL LAWSUITS HAVE BEEN WON AGAINST THEM. THE FEDERAL TRADE COMMISSION HAS FINED THEM MILLIONS OF DOLLARS FOR UNLAWFUL AND UNFAIR PRACTICES. THERE ARE 63 LAWSUITS PENDING AT THIS TIME. SOMEONE NEEDS TO HOLD THEM ACCOUNTABLE. TRYING TO DECIDE WHETHER TO FILE A LAWSUIT OR NOT. DON'T HAVE ANY MONEY TO HIRE AN ATTORNEY.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MI)

On XX/XX/XXXX a alleged court officer claimed that there was seizure order on my vehicle from a fraudulent case XXXX where a company I had no contact with XXXX XXXX XXXX filed a case in XXXX. I called XXXX XXXX XXXX Police they came checked for warrants found none but still allowed clearly fake court seizure. For some reason neither my legal service, nor any lawyers would defend me. I filed insurance claims called lawyers and received strange responses including mailed request, This had been a year where constant bank errors, XXXX XXXX, credit cards being cancelled without cause, constant calls requesting another person etc. I filed response and finally another law firm sent me s certificate of Satisfied judgment from a Midland Funding LLC for another fraudulent case number in another court area I didnt live in, case number XXXX in XXXX XXXX XXXX XXXX A case was dismissed with that case number for fraudulent filing. In spite of several companies being involved with proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd several credit card and XXXX XXXX XXXX Police, my Civil Liberties was being violated and monies stolen in phone calls from XXXX and XXXX and Xfinity were clearly being redirected. I have documents to prove items but with is very much Shady event as a result many agencies seem to be trying to protect reputations instead of my rights.
Consumer complaint received 2022-12-15
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. (TX)

I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681.they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts XXXX XXXX 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 2018-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. ()

Equifax has a wrong last name on my reports also : it suppose to be XXXX not XXXX were it says INFO Provided in this report includes info reported under the name ( s ) thanks XXXX XXXX XXXX Finally got report from them XX/XX/XXXX thanks :
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : XXXX
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc. (OK)

I received a notice from paragon revenue group I tried to tell the lady that my brother is in a nursing home the charges are from XXXX XXXX on the XX/XX/18 for XXXX and the other was XX/XX/18 for XXXX I tried to tell her my brothers medicade number for them to file and the social worker told me this all I need to do. The collector cut me short and said that this has over a year and she is not interested in his medicade number to file these charges. My brother XXXX XXXX is medicade retroactive for XX/XX/18 because I had a hearing and got a lawyer to help him prove that the monies in his trust fund was being used by his caregiver. Once I filed a lawsuit against the caregiver then the XXXX in Oklahoma back the coverage from XX/XX/18 to the present. The person from Paragon revenue group refused to take his medicade # so the can file and XXXX will pay them. No she feels the her job is to collect the monies owe be rude and threaten me that she does not care to take the info to file.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AZ)

I received an unsolicited debit card from XXXX XXXX for my brother who is in a XXXX care facilty. It is a Visa card from XXXX XXXX. 

I did not request it. I will allegedly be charged {$2.00} per month for inactivity. 
There customer service number does not connect me to an operator despite a long wait on hold. 

I believe this to be a violation of law.
Consumer complaint received 2018-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

I logged in to my online banking with TIAA Bank today and noticed that my XXXX XXXX checking account was closed. The account had been open for about a month. No reason was given by the bank as to why the account was closed by the bank. I asked the bank why the account was closed and received no response, so I am still unsure of the reason.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The presence of XXXX XXXX records on my XXXX XXXX  is distressing. I urge you to swiftly rectify this situation and update my XXXX XXXX accordingly. Your XXXX response to this issue is greatly valued.