davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. 

I have sent the dispute letters to XXXX  and XXXX  to have them removed and it has been over the standard time of 30 days with no reply. 

The items are ... ... 

1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. I.C. Systems, INC - Amount of {$610.00}
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

3 different collections I settled with portfolio Recovery to completely delete them from my account and I have proof and it has only updated to me paying some of it. When we paid for delete. XXXX XXXX XXXX sent to collections with portfolio should be deleted than 2 XXXX XXXX XXXX cards I paid for delete also I paid a XXXX XXXX XXXX which was settled for less and a XXXX XXXX settles for less
Consumer complaint received 2020-11-07
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. (AZ)

Equifax did not respond within 45 days This puts them in a direct violation of the FCRA : Failing to respond to your written disputes within 30 days ( a 15 day extension was granted because of Corona ) FCRA Section 611 Part ( A ) ( 1 )
Consumer complaint received 2018-06-19
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. (CA)

on XX/XX/XXXX 2018 XXXX XXXX XXXX experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days.

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
Consumer complaint received 2016-01-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (NY)

I took out a {$100000.00} boat loan from US Bank XX/XX/XXXX. I have been making weekly payments on this loan of {$1000.00}. I believe the bank is miscalculating the interest that I owe and their deduction of interest. The interest rate on the loan is 4.12 %. 
XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest XX/XX/XXXX I paid XXXX in interest In XX/XX/XXXX I paid XXXX in interest I have never missed a WEEKLY payment of {$1000.00}, although it takes US Bank up to 2 1/2 weeks to post my payment ( then they back date it ). 

As you can see, my interest payments went up XX/XX/XXXX, XX/XX/XXXX, then down in XX/XX/XXXX, but XX/XX/XXXX 's interest payment was still more than XX/XX/XXXX and XX/XX/XXXX As my principal goes down, so should the amount of interest I am paying. Further, on my checks it clearly says PRINCIPAL payment but they are still taking out interest ( which I would n't care, but they are doing something wrong because my interest payments should n't be going UP ... ) I called US Bank and got the run around. No one could explain to me why my interest payments are going up in certain months and why my most recent interest charge is more than what I paid XX/XX/XXXX.
Consumer complaint received 2023-06-13
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. (CT)

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.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following ite
ms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than

seven years. 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 2022-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX at XXXX I received a call from a DC police officer by the name of XXXX XXXX claiming that he has a warrant with my name on it and a potential diplomatic fine of {$1800.00}. He asked me several personal questions such as full name, DOB, last 4 digits of my SSN and said that if I dont pay the, {$1800.00} via XXXX, they will come and get me from my home and keep me in custody for interrogation for 3-5 days. I panicked and sent the funds right away since the number +1 ( 202 ) 698-0150 did come from the DC police department and the officers sounded legitimate over the phone. When I called back the day after to make sure everything was settled, the officer in the phone said I was scammed and that their lines have been getting hacked for the past months. She recommended me to file a police report and a claim with my bank, but that there isnt much they can do about it. After submitting the claim with Bank of America they also said they wouldnt be responsible since they dont have a customer protection system in place for XXXX transactions. This is why im reaching out to you, with the hope I can recover these funds since I have a pregnant wife with a newborn that financially depend on me.
Consumer complaint received 2020-11-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MO)

USBank is engaging in a reprehensible practices were generate excessive fees. My direct deposits is transmitted to USBank at XXXX around the XXXX of the month .Said company do not make funds available til after XXXX XXXX only after fees has been excessed to what ever checks are debits came in and still on hold. Its always have perplex me on this practices, in legations said company has found guilty of overcharging there customers.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-10-22
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. (FL)

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 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

On XX/XX/XXXX while reviewing my Credit Reports from XXXX, XXXX, and XXXX I noticed a collection account listed for an account I have no knowledge. The original creditor stated is XXXX XXXX. I have never done business with or entered any contract with XXXX XXXX. The account was reported to all three agencies on XX/XX/XXXX and continues to be reported each month by the following Collection Agency : PDQ SERVICES , INC . 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX On XX/XX/XXXX after discovering this fraudulent account I sent a letter via USPS Certified Mail Return Receipt Requested requesting validation of this debt including any document that contained my signature. I received the signed Return Receipt on XX/XX/XXXX. According to the FCRA, the company had thirty days from receipt of my letter to provide validation of the debt. As of today XX/XX/XXXX I still have not received anything from this company. Therefore, I filed a dispute with all three credit reporting agencies in which PDQ Services , INC. replied to them that the account is being accurately reported. The credit reporting agencies have closed the dispute stating the same. However, if the creditor could not simply validate the debt for me the consumer, the credit reporting agencies can not state the account is being reported accurately. I want this account removed from all credit reporting agencies as it is fraud and I have no knowledge of it.
Consumer complaint received 2020-11-07
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. (MI)

XXXX and Equifax you are reporting an illegal account on my credit from XXXX XXXX XXXX XXXX as an installment loan/ Banking/Creditor for an XXXX account. I never borrowed money from XXXX. I never borrowed money from XXXX XXXX XXXX XXXX. Under the FCRA a Debt Collector is not an Lender. I sent XXXX XXXX XXXX XXXX a Cease Desist letter for Deceptive practices. XXXX XXXX XXXX XXXX has fallen to supply with a loan contract from XXXX and XXXX letter state I do not owe them any money. 
XXXX/ Equifax there is no reporting from any creditor on Credit Report that I have a closed account owing {$270.00} accept your Fake Debt Collector XXXX XXXX XXXX . Remove this account completely of my credit report and restore my 24 points credit score. I am sending a copy of both credit reports showing XXXX listing a XXXX installment loan from a Debt Buyer and Equifax listing a Debt Buyer as a Creditor/Banking Loan
Consumer complaint received 2020-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Phh has violated my homeowners rights by not providing a single point of contact for a loan modification that I have applied for twice and sent them all the paperwork that they asked for 3 times.I have even made an appt with the relationship manager to talk over the phone and when the day arrived it still assent the lady who was assigned to my case. I am feeling thAt all hope is lost
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (OH)

I wanted to add card to XXXXXXXX XXXX I called FORTIVA because mobile wallet requires a verification code from FORTIVA approval. I was refused. I was harassed. I was lied to. I have added to my sons phone x XXXX including Aspire same card business. No issues. I have called prior and received a verification code immediately Aspire. Same process from XXXX XXXX  provided a text to call FORTIVA but FORTIVA is only argumentive. I was per FORTIVA to contact XXXX for help and insisted per FORTIVA they would help with adding their card to XXXX XXXX Next day today XXXX I tried to make a payment. I was blocked and forced to call FORTIVA to resolve. A fraud number. No fraud on my account to block. They wanted my ID and a bill to ensure me when they were non professional conduct and sounded foreign as if angry towards American citizens on actions towards them. I have had a card for 1 year and already provided verification documents. I was verified by some customer service but not all verbally verified me for phone support. I mentioned the U.S. government does hold a jurisdiction over bad unethical business practices and got hung up on the 2nd customer service. I made them aware if any fraud it is them. I can not get a verification code from them to approve XXXX XXXX use as I have done x XXXX and being denied any support service to resolve. I rely on this card for use under them and am being treated unfair.
Consumer complaint received 2016-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AZ)

XXXX Public Records are being reported incorrectly at XXXX 7 years on my Credit Reports. Not only were these records a result of my ex-wife 's malfeasance, they were satisfied YEARS ago. 
My credit is immaculate, but for these reports. I work very hard to maintain it as such. Note, the Internal Revenue Service reviewed these public records an determined that I was an XXXX Spouse based on my ex-wife 's actions, and awarded me Innocent Spouse Relief. 
I paid her debts, and divorced her. I would appreciate having the derogatory information removed from my credit reports.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK (LA)

I am having problems with the First Horizon Bank, who I have been a loyal customer for years, even after they have been bought out multiple times. 

I was not able to get into my account through XXXX because they changed how their login works, tying it to an old phone number to be able to login in that I no longer had access to. 

And was unable to check my balance and made me overdraft multiple times, with the the first being one of XXXX XXXX and then if spiraled to the total amount of XXXX XXXX 

I called them on XX/XX/XXXX to finally fix this problem and noticed how much they were charging me on overdraws. On XX/XX/XXXX they refused to refund/cancel the all of the fees. It feels like they are stealing money from me.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX Re : Select Portfolio Servicing, Inc. Loan # XXXX Letter dated XX/XX/XXXX, regarding requirement for XXXX XXXX  Please be advised that I was approved for a XXXX XXXX XXXX XXXX Loan on XX/XX/XXXX, said loan having been owned by XXXX since XXXX and serviced by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX did not require XXXX  coverage until you purchased the loan on XX/XX/XXXX, and your servicer claimed they needed said coverage. 

I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income guidelines. Because your servicer has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the Atlantic Ocean ), and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, cc : Select Portfolio Servicing
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Equitable Acceptance Corp (AZ)

File shows as charged off as a loss account, the dealer whom the items were purchased from told us when we got the items, if we are unable to make the payments, he would then cover the cost. Dealer did in fact pay the account. should be Corrected to paid status, or removed. I would like to have this removed, as i have disputed several times without action. also, if possible would like to have it removed from my wife 's credit profile. 
With encouragement XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I filed bankruptcy in XXXX the {$25000.00} debt I was told by the mortgage company had been XXXX. In XXXX I received paperwork that I still owed the debt so for 6 years I have tried to resolve the debt but I get no help from the mortgage company that now holds the debt maid numerous phone calls over this time .now I want to try and refinance the debt with another company but they tell me now the debt has ballooned to over {$54.00}. I have been attempting to get a payoff quote for the new mortgage company since XX/XX/XXXX of this year I have made 16 calls to them with nothing but excuses I have asked for call backs from a supervisor but no ever calls they are costing me interest points and interest I don't know what to do now hope you can help
Consumer complaint received 2023-03-14
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: NAVY FEDERAL CREDIT UNION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, not authorized.
Consumer complaint received 2022-03-17
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: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank ( XXXX ) pulled my credit report without permission. I did not apply for any loan with them or fill out any applications. I called and they said they can not help me and to call XXXX. I called XXXX and they said they can not remove inquiries and to call Wells Fargo. So there is nothing I can do except go online and tell everyone not to use Wells Fargo and not to subscribe to XXXX as there is an endless loop there with no help.
Consumer complaint received 2023-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-07
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NC)

Payments were made from my checking account in XX/XX/2020 and XX/XX/2020. I contacted the company. I sent bank statements to show proof by mail. I spoke with supervisors on the phone. I filed a complaint with the XXXX XXXX XXXX. I disputed with XXXX, XXXX and XXXX providing bank statements.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equfax ' s employment verification service at  XXXX  claims they protect my private information, but uses my social security number as identification for a verifier to verify my employment. Not only is this not protecting my private information, but it is an invasion of my privacy and exposes me to fraud and identity theft.