davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
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. (CA)

Early this year in 2019 I disputed with all three of the credit reporting agency about an inaccurate report on a XXXX account. The dispute was pretty much ignored, when I notified them last week ( XX/XX/2019 ) that they ignored the dispute they submitted another dispute. I called XXXX they recognized the error and said " sorry. '' XXXX removed it because they realized they'd all made this mistake, I'm not sure what XXXX is going to do yet because I haven't received their reply yet. However, equifax did and update on the credit report instead of removing it for an inaccuracy being reported on my credit report for more than 30 days even after I attempted to fix earlier. The proper response would have been that they remove the inaccuracy because it reported way past the 30-day mark ( like 8 months ) after my initial notification.
Consumer complaint received 2022-12-16
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. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-21
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: CLGF Holdco 1, LLC (OH)

CB INDIGO/GFXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-21
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: Affirm Holdings, Inc (OK)

XXXX accounts with Affirm on XX/XX/XXXX and XX/XX/XXXX have been opened using my personal information and now are on my credit report as delinquent. I have contacted Affirm ( XXXX ) and have opened cases with them and I have explained to them that this is fraud and not mine but have gotten no where with them. The charges are for XXXX for a trip to XXXX. I have a passport that will prove that I have never been to XXXX nor anyone that I know has gone there. I have found out that who ever has done this is using a very old e-mail of mine ( XXXX ) that is associated with my XXXX account. I have also opened a fraud alert with XXXX. Please advise what other steps I need to take to get this off my credit report.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I need to change my payment due date on my credit card account with Bank of America. 

I want to change it to the last possible date of each month ( XXXX, or XXXX ). However, when I go to contact them on the website with this request, there is no dropdown menu for changing the payment due date, and the website won't allow me to send a secure message to notify them of my request.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

{$2600.00} I do not owe this debt and it does not belong to me. I've contacted credit 3 bureaus regarding this matter and the company listed to report inaccuracies. They continuously post to my credit report without my knowledge
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Granite Creditors Service, Inc. (CA)

This is a medical company. Sent me horse ointment which was not authorized by XXXX  and I can not return and wants me to pay. This is wrong. This is for the horse not human being please dispute people in the granite credit are rude and threatening me
Consumer complaint received 2019-10-17
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: CITIBANK, N.A. (FL)

There is a Best Buy account and a XXXX XXXX account opened under my name that is not mine! I am a victim of identity theft! This is fraud! This same fraudster tried to file a fraudulent tax return under my social security number within the same year! 

BEST BUY/ CBNA Opened : XX/XX/2017 Amount : XXXX XXXX XXXX Bank Opened : XX/XX/2017 Amount : XXXX
Consumer complaint received 2023-01-12
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)

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have 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 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items 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 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions changed me surprised overdrafts fees on certain a ATM withdrawls and debit card purchases despite telling me that I had insufficient funds in my XXXX account. During XXXX XXXX XXXX. With this being said this institute would post me having money in my account, yet using the card the transactions would post incomplete, requiring me to pay an overdraft fee.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for XXXX XXXX in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX. 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ONY GLO, INC. (CA)

Last XX/XX/XXXX, a lending company in XXXX California ( the same lending company who helped us purchase our house ) offered us refinancing our home without closing cost and other fees. We just have to pay for the appraisal and the processing fee for the solar documents. So we went ahead and paid the Appraiser which they assigned {$700.00}. We went ahead also and paid {$150.00} to the Solar company so they can go ahead finalize the refinancing. This went on until XX/XX/XXXX. We signed documents so they could check our credits, we signed and submitted all approval conditions documents and submitted paystubs. By the end of XX/XX/XXXX we were told that we are approved and they are just finalizing the process. We last heard from them via email on XX/XX/XXXX saying that they are still finalizing the closing process. We tried calling their contact numbers and sent emails several times without response. Their office phone Operator keeps on saying that the person-in-charge will call us back because the personnel in-charge is still with a client. 
Until now we do not know about the status of the Refinancing process and it is already XX/XX/XXXX. We are concerned that proceeding with the refinancing is no longer cost-effective and that we have spent {$850.00}.
Consumer complaint received 2019-10-17
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-17
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. (FL)

I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... XXXXthe response they sent is uploaded Accounts in question was : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (FL)

I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for PROFESSIONAL DEBT in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.
Consumer complaint received 2019-10-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUSTMARK CORPORATION (MS)

Initially a construction loan through Trustmark National Bank ( land owned by us ) when we finished building the bank strong-armed us into an in-house loan product with a balloon paymnent due in 7 years. It was never explained to us why we were given this type of loan or why we didn't qualify for a conventional loan. We had qualified through another local bank for a FHA loan but went with XXXX due to our builder recommendation. We had a modification due to loss of job and this is when we learned of the in-house loan and not a FHA loan. I had applied for several federal programs to assist us since I was going back to school for XXXX but they weren't available to me due to our loan type. Even when the modification was given it was never explained to us that we had a balloon payment loan. 
I feel that we have been unfairly targeted because of race. 
Also, the current balance has increased to more than what we initially borrowed for the mortgage and this is after almost eight years of mortgage payments.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (GA)

Noticed erroneous {$190.00} added to the loan amount ( not disclosed in the documentation ) and odd amortization.. Monthly principal is {$600.00}. I made the first payment early ( {$610.00} in principal paid ), then made the second payment on-time and {$510.00} of principal was deducted. This does not seem accurate to me. I called the bank and was told that they couldn't reconcile the extra {$190.00} and weren't sure about the principal except that it had to be because i made my first payment early. This didn't make sense and they said they would follow up with loan ops and call me in a few days. That was weeks ago.
Consumer complaint received 2020-11-11
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. (UT)

On XX/XX/2020 I submitted the following : I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened! 

On XX/XX/2020 I received an email ( which I have attached ) from Equifax Information Systems ( apparently I should have addressed it to " Equifax Inc. '' but how would I know the difference between Equifax Inc and Equifax Information Systems?? ) that said " This complaint lists someone the company does not recognize as their customer 's authorized representative ''. Then its goes on by saying amongst other things that the company let us know that it can't respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information??? What is this all about??? I filled out the information and as the oversight committee to make sure criminal companies such as Equifax aren't screwing me over by listing items on my credit report that are not mine. 
I have followed the FTC.org instructions that give people like me some direction as to what to do when I feel like i've potentially been a victim of identity theft because of several data breaches including the BIG ONE EQUIFAX. I sent this information via 2-3 day express as well as added a copy of this complaint to the list of items that the FTC 's guidelines tell me to send in the mail via USPS. These documents were sent in on XX/XX/XXXX which was a day or 2 after I submitted my first complaint to the CFPB. 

Who has told you that Equifax said I am not a consumer of theirs??? I have attached the proof that I have been a victim of this Data Breach as well as the email that I received stating what I have said above.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

On XX/XX/2019, Said XXXX XXXX of US Bank in XXXX, NE, contacted my husband and I via email and phone under the pretense that he needed to review something with us from our last mortgage payment. This was in fact, an attempt to sell us a refinance, and had nothing to do with our visit to the branch. He became argumentative when we raised this concern. We asked the branch manager, XXXX XXXX, who was later CC 'd on the email chain by Mr. XXXX, to contact us directly, and he failed to do so.
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp. (AL)

I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, AL on XX/XX/XXXX. When I made the purchase I was told that I would have to use Southeast Toyota Finance to obtain financing or they would have to increase the vehicles price. I was ok with going through Southeast Toyota Financing because we had used them before on another vehicle purchase. But the more I think about it the more it bothers me, my husband and I have good credit and we were given a new car rate of 5.49 % which is high in the lending environment today ( or in XXXX of XXXX ). I feel like if we would have been able to use our credit union or shop other banks we could have received a much lower rate. We were pressured into going with a lender who charged a much higher rate than other lenders. They gave me the reason, when I asked, that due to them not getting very many new cars in they would only uses Toyota finance. This is predatory and unfair to consumers. this has resulted in me paying much more for the vehicle I purchased. The rate was never once told to me during this process, everything was signed electronically and went over very fast.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I was making a personal business phone call when in the transfer of calls Lexington Law marketing audio began playing. The organization I was initially was on the phone with was a government organization regarding business of maintaining my daily life. Lexington Law seemed like the solution based on advertising and the government organization affiliation so I had no choice I felt if the government recommends them it can not be bad. Hundreds of dollars later and several emails sent to them requesting help on matters each time receiving rejection, they did not deliver and swindled me out of desperation money. They promise people like me can have hope but just want the money.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I contacted All 3 credit bureaus about the inaccurate information on my credit report on Early XXXX  on more than one occasion. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information regarding late payments for XXXX XXXX. The inaccurate late Payment that has been on my account has stopped me from getting the best rates in the loans and credit cards that I have applied for. It was not deleted. I also called XXXX XXXX and nothing was changed. The status shows on XXXX and Transunion that I paid as agreed but on XXXX it shows that I was late 30 days. That is false and I would like you to verify it and get to the bottom of it, because the bureaus have not been responsive over the years. If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.