davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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'm having multiple issues with the Credit reporting agency Equifax which I assume will sound very familiar to others reading this complaint. First off I'm a victim of their latest security breach and I've also been a victim of fraud in the past. I'm fairly convinced that these instances of consumer fraud and theft are not just a random occurrence but actually on purpose. My theory is the banks are incahoots with the credit reporting agencies in order to write off any financial losses or debts. In my case someone accessed my credit file and used it as a menu to go ahead and charge open accounts and open up new ones as well. To this day Equifax has offered no conciliation for this. 

This brings me to the more specific issue I'm having with Equifax now. Due to the fact that I've been a victim of fraud through their carelessness of how they handle my information I'm forced to place a security freeze on my account. At the moment the only way to remove a freeze with Equifax is by phone which invovles multiple prompts and doesn't always work. It's really annoying, outdated and cumbersome. I am unable to do this through their online portal, MyEquifax.com. I have tried on multiple occasions for years and it simply does not work, it tells me to call their customer care line instead. I recently called this number and received no help whatsoever. Also, not sure if you're aware of this but Equifax offshores their customer care dept and when I asked to be transferred to someone in the US, the request was declined multiple times. The offshore rep I spoke with said they did not have that capability. I then reached out to their corporate office in XXXX and spoke with the operator who again would transfer me to an offshore agent even after I specifically requested an agent in the US. Even their fraud dept. is offshore. Date of latest incident XX/XX/23 but ongoing for years.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (KS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-13
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. (MD)

XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. after the first complaint the collection mark was removed from two of my credit reports, but it still remains on my XXXX report, since they cant proove that i owe this dept it needs to be removed from my XXXX  credit report
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX BANK XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATIONXXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  Collection Account XXXX XXXXXXXX Collection Account I believe that these items are inaccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible. 

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account DEPT OF XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account I believe that these items are inaccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible.

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I have requested the HSBC to close my previous checking account ( ending XXXX ) on XX/XX/2017. I have chat records to prove it. So the company claim my account was closed on XX/XX/2017 was a lie.
Consumer complaint received 2019-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (WI)

I applied for and was approved a Navy Federal Credit Union XXXX XXXX credit card. I applied because there was a 12 month 1.99 % APR offer. I received the credit card along with the Credit Card Pricing Terms a few days later. The Credit Card Pricing Terms document the card was adhered to clearly affirmed that my APR was 1.99 % for 12 month for Purchases AND/OR Balance Transfers after which I would be at 14.99 %. This letter is dated XX/XX/2019 and I still have it. On my last statement dated XX/XX/2019 I see I was charged 15.24 % interest on a balance transfer. I then looked back at previous statements and see I was charged the same higher interest rate. I called the bank. The first woman I spoke to put me on hold for several minutes before going to speak with a supervisor ... she then said she needed me to wait longer while they work it out and then hung up on my. I called back again later and spoke directly with a supervisor who was also unable to figure it out. Please help me to get this resolved. I am guessing I am not the only one they are trying to pull this with.
Consumer complaint received 2019-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

US Bank recently closed my business and personal accounts. As a result I was issued a check made out to my business, XXXX, a sole proprietorship registered under my social security number. I went to the bank to cash the check, as I do not have another business account and was denied. I provided ID and it was verified that I am indeed the owner or the business as sole proprietor. The branch manager,  XXXX XXXX refuses to help me. I asked if I could have the check re-issued in my name, also refused. I called US Bank on the phone and was given essentially the same answer. I was told that in order to cash the check and receive my funds I would have to open another account at a different institution, which would incur additional time and expense in order for me to get my money back. I do not wish to open another business account as I have suspended my business operations.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (NC)

Was trying to link my account to XXXX XXXX and it will not connect. It keep saying that you will not verify my account to link with XXXX XXXX. I am losing out on thousands of dollars because of this.
Consumer complaint received 2019-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

I have a huge problem with the way that my late payments and balance are being reported with my account. First, they are listing a bigger balance on XXXX versus XXXX. Also I can tell there were problems with my account because there are late payments being reported that are not accurate. Currently, I am being reported as 30 days late on XX/XX/2018 and XX/XX/2018 on XXXX but then XXXX is reporting me as 30 days late on XX/XX/2018 and XX/XX/2018. That doesn't make sense.
Consumer complaint received 2019-05-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CT)

XXXX HI guys. 
You did not answer my problem.The my mortgage monthly payment was counted for XXXX XXXX city Grand List on XX/XX/.This value on Grand List can not be change and is obligatory for one year.The Grand List   assessment XXXX take effect on XXXX XXXX  to the next XXXX in XXXX.While XXXX to XXXX XXXX the value of this assessment is mandatory.I bought my home on XXXX XXXX when I was under assessment from XXXX XX/XX/XXXX to XXXX XXXX.The assessment value of property tax was {$4900.00} this means that semiannual property tax to the city should be {$2400.00} to the XXXX XX/XX/XXXX, but you change it in the XX/XX/XXXX to {$2700.00} semiannual payment for property tax..Why?

Sincerely XXXX XXXX
Consumer complaint received 2019-05-09
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: Experian Information Solutions Inc. (FL)

The company I work for deals with government contracts and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified XXXX Card services ( XXXX XXXX ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; 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 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My dispute is based on the requirements listed in the Fair Credit Reporting ACT Section 605 paragraph ( a ) section ( 4 ), ( 5 ) and paragraph ( c ) section ( 1 ) and ( 2 ). 

Credit Bank of America is in violation of said ACT by continued reporting of said debt, BANK OF AMERICA # XXXX. 

Although the debt was satisfied on XX/XX/XXXX, the account went into collections in XXXX of XXXX and was more than 90 days delinquent at that time. Accordingly, the FCRA states that adverse accounts may not be reported after 7 years since the account first  became seriously delinquent. 

I disputed the account with all 3 of the major credit bureaus and Bank of America. Instead of requesting that the bureaus remove this account, Bank of America continues to refresh the account by modifying the maximum delinquency date, thus keeping the account on the credit bureau 's reporting system. 

As you can clearly see in the attached credit report, the date of maximum delinquency for this account in XXXX of XXXX, is 120 days. This more than satisfies the requirement to fully remove this account from all 3 credit reporting agencies.

Furthermore, the presence of satisfied debt is affecting my ability to obtain satisfactory loan rates and potential employment opportunities.

Bank of America is in violation of the FCRA and I am demanding that they ( 1 ) request that all 3 major credit reporting bureaus remove the account from their systems and ( 2 ) immediately stop refreshing the account data.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My complaint is with Equifax. I have numerous times tried to access my information thru there website only to be referred to an XXXX number that is automated and ask you a series of identifying question. To only then still be denied information. I have had an account with XXXX for months now it is now paid in full. They report to all 3 credit bureaus. But it is not on my Equifax nor has my credit score changed in 3 or 4 months now eventhough it does show that there were credit inquiries made. I feel like the drop the ball on accuracy of information and consumers are being penalized for there negligence.
Consumer complaint received 2019-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (PA)

I purchased a car and CPS ( Consumer Portfolio Service ) XX/XX/XXXX. Terms of the contract 20.45 % for 60 months. Amount financed was {$13000.00}. I deferred possibly 4 payments. As of today {$9200.00} as of today. Which I believes is not possible.. Payments total {$14000.00}, amount applied to principle - {$4100.00}. Amount applied to interest - {$10000.00}. 3 payments aren't even showing on her account ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) but had to be applied to interest. as it isn't until XX/XX/XXXX does anything get applied to principle. I also sent me an amortization schedule showing how the payments should have been applied. I have reached out the company multiple times and they are stating that my contract states that 5.19 % interest per day is to be applied daily but there is nothing in my contract to stated that and my loan is 60 mths and its being reported as an 53 month loan and XXXX shows I havent made a payment at all in XXXX and half of XXXX and showing on the company website as an 7 year loan. I have reached out via chat multiple times and today I was told that I had to call in to speak to a supervisor and I stated why i have spoken to supervisors several times via chat and the rep XXXX stated oh I thought you wanted to call them and then she disconnected my chat. I have reached out to the car dealership where I purchased this vehicle and they are stating that per my contract I signed is for 60 mths at {$350.00} per month nothing about interest being charged per day. I have all my documents and CPS keeps stating that they are going to do an audit. I pulled them up on the better business bureau and there is multiple complaints like this.
Consumer complaint received 2019-10-03
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. (MS)

I have sent several letters to XXXX, XXXX  and Transunion about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.
Consumer complaint received 2018-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bay Area Receivables, Inc (MA)

This item from BAY AREA RECEIVABLES, INC. on behalf of XXXX XXXX XXXX XXXX is inaccurate because I was overcharged on XX/XX/XXXX by {$13.00} ( $ XXXX- {$20.00} copay ) as per the provided bank statement. XXXX XXXX XXXX applied the {$13.00} to a date of service XX/XX/XXXX, but the issue is this is fraud as I was not even in the state of Maryland then so please see the attached complaint filed with the Maryland Attorney General on XX/XX/XXXX. In XX/XX/XXXX, after months of investigation the Maryland Attorney Generals office asked that the {$13.00} be credit to the date of service XX/XX/XXXX. Since this would make {$20.00} ( $ XXXX+ {$13.00} ) which is the copay. The account was XXXX out on XX/XX/XXXX and the complaint was closed as we thought it was settled. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX billing company applied the {$13.00} to XX/XX/XXXX. A month later XXXX XXXX XXXX   XXXX billed me again for {$13.00} as we went back and forth I was told this account would NOT go to collections. On XX/XX/XXXX XXXX XXXX ( supervisor for XXXX XXXX XXXX XXXX ) told me via phone, XXXX XXXX XXXX was again claiming I owed {$13.00}. I explained I did not owe that but wanted to prevent this from FRAUDENTLY being applied to my credit but she refused to take payment and said she would call me in two weeks ( XX/XX/XXXX ) but she never called. On XX/XX/XXXX in protest and with a note that I did not owe XXXX XXXX XXXX anything I paid them {$13.00} again to preserve my credit via their payment portal listed on the bill from XX/XX/XXXX. Now XXXX XXXX XXXX had been paid multiple times for the same thing they decided to again make false and fraudulent claims to XXXX, XXXX, XXXX via Bay Area Receivables. It was not until XX/XX/XXXX when I went asked for a home loan that I was told I had a collections account for {$23.00} from Bay Area Receivables so I was disqualified which was devastating as did not think I had any collections account on my credit. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX who put me on hold for a while and said someone would call me back which they never have since this whole issue started. I contacted XXXX XXXX XXXX XXXX and talked to XXXX who said my account with XXXX XXXX XXXX was XXXX out, I should not be in collections and she was going to have XXXX XXXX look into this as well as a refund for me. I then contacted XXXX XXXX of Bay Area Receivables who said I owed {$24.00} for date of service XX/XX/XXXX to XXXX XXXX XXXX and they would remove the account if I paid, so they extorted the money from me as I need to get this off so I can get a home loan and move on with my life. Bay Area Receivables did not send the letter ( email ) to confirm they sent a removal request to your company.