davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America is charging me 24 percent interest on my credit card. I have called them twice to get this interest reduced. I pay {$400.00} per month on the card, the interest is {$240.00} a month, and i only make {$100.00} a month in purchases. Bank of America refuses to increase my creidit limit, saying that I have been pushed up against it - - but the truth is that Bank of America has pushed me up against the credit limit. THere is no reason that this company should be charging me an exorbitant interest rate that I could obtain from any predatory payday lender down the street in the strip mall that advertises on tv at XXXX in the morning. This interest rate needs to be reduced by more than half. I had good credit for years and years - I recently experienced a bout of unemployment after 30 years of an outstanding credit rating, and Bank of America is making it difficult for me to address this credit card.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (NC)

Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.
Consumer complaint received 2022-07-21
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. (PA)

As of XX/XX/2022 complaint number # XXXX I have asked Experian to conduct and investigation into my credit file today is XX/XX/2022 it has been past the 30 days allowed by law. The company has not done its due diligence in completing their investigation in the appropriate time allowed by law. In accordance with the Fair Credit Reporting act XXXX  account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing of consumer reports to the purposes listed under section 604 ( s 1681b ) The only company to comply with the law has been XXXX. Experian has attempted to use 3rd party companies to verify data on me example XXXXXXXX XXXX. They have failed to comply with the laws that protect my consume rights endowed to me by the federal government listed in the FCRA.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

Mortgage went up in XX/XX/2022 so I called caliber home loans to find out why. They said that it was because my fire tax went up and I told them there is no fire tax in XXXX XXXX at least not in my area I only have property, school, and water taxes. She said well thats what is the fire tax and didnt give me any other help or answers so I did research on my escrow account to find out that my deed was not recorded right because we have 2 lots they did not get combined and one was in our name and the other wasnt so I called back and told them about the parcels not being combined that one was in my name and the other was not and explained to them about the fire tax that we do not have a fire tax in XXXX XXXX XXXX She said they would look into it and it would take 20 days ( she also said they would turn in the paperwork to fix the parcels but didnt do that either ) and I would b contacted once they investigated the tax issue. 60 days went by with no contact so I contacted caliber home loans tax office once again and they said I would have to get a letter stating that the fire tax did not exist I asked who do I get a letter from and they said XXXX XXXX. I contacted all 3 tax offices to see if they could provide me with such letter as to say that the fire tax does not exist in XXXX XXXX and they could not write a letter for a company that is not them or that doesnt exist so I called caliber back to ask them what to do. The guy actually laughed and told me that is the only way to take the fire tax off and they could not just take it off and I proceeded to tell him they were fraudulently charging me for my taxes and asked them where they sent the payments for this he said XXXX XXXX and I said where whats the address and he said they wire the payment I asked for more info on the payment and no answers made sense. I have tried multiple times to call caliber and get this fire tax taken off but I am having no luck at all with this company taking it off or even doing any research to make it right. I mean taxes are public access and can be looked up by anyone. I just need the fire tax that I have been paying for taken off of my escrow account and get refunded for the amount I have been overpaying I also explained to them that the amount I was being charged for the said fire tax was the exact same amount as the water tax and asked them XXXX that was possible that the water and fire would XXXX exactly the same. XXXX never had any answers but keep charging me for this on my escrow account.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Identity theft. Fraudulent accounts. These lines of credit are the same account sold off to different debt collectors who are both collecting on the original bogus account. My credit rating and limits have been negatively affected by these accounts. My FICO dropped from XXXX to XXXX. I repeatedly contacted the original creditor who told me that the debt had been written off, and sold to a collection agency. LVNV Funding promised to remove the derogatory account off my credit report the moment I paid off the debt. I repeatedly called and contacted LVNV Funding at XXXX, and XXXX XXXX at ( XXXX ) XXXX, stating that these accounts were fraudulent and that they belonged to an identity thief who stole my information, and used my name to open up a line of credit without my knowledge or consent. These shady and unprofessional debt collectors still are demanding full payment on a fraudulent charge. Please investigate and intervene. XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I would like a full copy of my report.
Consumer complaint received 2020-01-30
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. (CA)

I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (AZ)

XX/XX/2017, i made several phone calla to XXXX XXXX XXXX about this that this is a identity theft, explained that i never been to Texas ever and I'm not a woman because its a woman names come with it. Until one day i spoke to someone in XXXX XXXX XXXX loyalty department and told me just disregard it, thats XX/XX/2017 when i had the conversation with XXXX XXXX XXXX loyalty department, I though thats the end of it.
Consumer complaint received 2022-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX, I filed Complaint XXXX against XXXX, a law firm representing M & T Bank , the lender, on a ELOC that has existed for more than 20 years. By letter dated XX/XX/2022 M & T denied our request for a loan modification but offered a repayment plan that we must answer by XX/XX/2022 together with an initial payment ( Exhibit XXXX ). 
On XXXX XXXX, we received a certified letter from XXXX, dated XX/XX/2022 that a foreclosure, at XXXX XXXX XXXX will take place on XX/XX/2022, despite the fact that we still had XXXX Week to respond to M & T 's offer ( Exhibit XXXX ). This law firm continues to harass us and act unethically. We are senior citizens and trying our best to resolve issues but letters from XXXX, foreclosure scammers and others " seeking to help us '' causes us XXXX and aggravation. In Exhibit XXXX M & T told us the amount of the repayment for the ELOC but did not say what the monthly, regular payment was. I called an M & T representative she did not know. This was followed by an M & T letter dated XX/XX/2022, and that they will get back to me with that figure ( Exhibit XXXX ). Thus I have a repayment offer without a key part in it and a foreclosure date that is illegal.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
Consumer complaint received 2020-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I am behind on my mortgage due to COVID-19 related hardship- change in pay, increased and unexpected expenses, etc. I have been contacting my servicer ( Fay Servicing ) by phone since XXXX and they have consistently failed to provide me with accurate information about the status of my account. For example, in XXXX they still had not updated my payment forbearance for XXXX ( so my account showed that I was 60+ days in default, despite the representative telling me that the forbearance was approved ). Last month they mailed me an extensive application and demanded several financial documents from me, in order to provide the forbearance assistance. I emailed my account manager and asked her why all the documents were required, since, according to what I have read in the CARES Act, XX/XX/XXXX owned mortgages are supposed to be eligible for forbearance assistance without the need to provide any additional documents. The account manager did not reply, so I emailed her again the following week. She did not reply then either. This week ( close to three weeks after my first email regarding the forms / documents ) I received a letter from the servicer that seemed to be an escalation on my late payment status. The letter was " hand '' -delivered, taped to my door. The same account manager 's phone number was listed on the letter and I called her immediately and left her a voicemail message with my account information. I never received a call back. I called again and left another message, which was not returned either. Today I called and asked for a different account manager or servicer, and the account manager I spoke with basically said that they require the documents and that was that. I asked her about whether she was familiar with the CARES Act and the stipulation on requiring documents, she said yes, but could not give me any further explanation as to why they were not complying with that. 

I am extremely concerned about how they are reporting the missed payments and whether they have started any forclosure measures. I am also concerned about how they will handle my upcoming payments- whether they will be applied to late fees first, how the payments will be reported to the credit agencies, and whether they will impose any other penalties.
Consumer complaint received 2023-01-11
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. (UT)

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS.

I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S FRAUD DEPARTMENT AND SPOKE TO AT LEAST XXXX CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX XXXX CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH. XXXX.
Consumer complaint received 2022-07-21
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 accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account : 1. XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 53917611 They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX Account : 1. 3540*** They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp (PA)

My name is XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX pa XXXX, XXXX. I had a third party call me asked me to consolidate my loan called equitable acceptance is the name of the company, so thought I was doing that but I was paying this compay out of my banking account for 8 months. I discovered when I called XXXX XXXX XXXX that this company was a fraid because the nice lady told me the XXXX XXXX XXXX don't ask to pay them to consolidate fed loans. I was upset because I've been paying equitable acceptance money that was applied to my fed loan. I'm asking to investigate this company so I can recieve all payments back to me. Another complaints is that I was trying to get my transcripts from the school department in XXXX, but there's transcripts available from XXXX XXXX for me. I needed the transcripts to continue my education. I've called the school department in XXXX and the school XXXX there's nn transcripts. My question to this complaint is how can I be paying a student loan and there's no transcript available for proof of my education? Without transcripts I feel my diploma my time I decatied going to XXXX was just a waste? If my diploma valid? I can't use XXXX on my resume knowing the truth about this school. Please help me to solve this situation.
Consumer complaint received 2022-08-17
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)

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

Equifax is govern by 15 USC 1681. And 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 XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
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: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX