davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am disputing and requesting the removal of inaccurate information from my credit report. Upon contacting the bank, I was informed of a possible system glitch causing misreporting, with no records available. They assured me they are rectifying this and will update my account accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting 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 XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY. LK 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
Consumer complaint received 2021-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America had an error in its PPP Loan Forgiveness Application for my business ; it had pre-filled the amount to be forgiven with an incorrect number ( {$3300.00} ) but I didnt catch that mistake until after I submitted the application. The full amount was {$10000.00} and indeed my business spent that amount per the terms of the Cares Act. I tried, unsuccessfully, with Bank of America to have them rectify the error but they informed me the forgiveness application could not be changed as it had already been sent to the SBA. I emailed the SBA and spoke with their XXXX office ; they told me to deal with the lender, Bank of America. I have spoken repeatedly with the bank they tell me to deal with the SBA. The bank refuses to defer my ( erroneous ) loan payments while we try and sort it out. 

The SBA may indeed need to be involved to rectify the situation, but Bank of America should exert leniency related to the loan payback in the meantime, especially since it is the entity that made the mistake!
Consumer complaint received 2021-04-13
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: PENTAGON FEDERAL CREDIT UNION (AZ)

Pentagon federal credit union ( PENFED ) Fraudulently processed a personal loan application that was never applied for by me. I called them in regards to the rejection letter they sent me. The rejection letter has information that is wrong and is correlated to a loan that was never actually applied for, by me. They could not verify who applied for the loan, the source that the loan application was actually originated from, and said that they had deleted the information pertaining to my fraudulently opened loan request ... .thus hiding their wrong doing. The letter was issued at the end of XXXX and received the end of the first week of XXXX.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc. (AK)

Spoke with XXXX at Valley Empire Collections  in XXXX, WA ( XXXX ) on XX/XX/XXXX after finding account on credit report. She stated account is old utility bill from XXXX. They have never sent me a bill and state they are unable to send me anything regarding account as they are not insured to collect in Alaska. I informed them this bill was paid to original creditor, XXXX has no record of such. She was not able to provide any information to verify or validate debt owing. They state I owe balance of {$160.00} but refuse to send me documentation or original contract to verify and continue to report negatively to credit bureaus.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act 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 XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I wanted to freeze my credit with all 3 bureaus last fall. I was immediately successful with all but Equifax. They said I did not have credit to create an account to freeze. They asked for copies of my Driver 's license and SOS card to be mailed to them, which I did ( twice ). I obtained a credit card and have good credit standing and finally they sent a letter confirming they froze my credit and provide a PIN number and instructions to thaw it. 
As a XXXX XXXX, I want to build my credit so I need to apply for a second credit card through my Credit Union ( who uses Equifax ). I attempted to thaw my credit with them through the website they provided. They said it was " temporarily down '' ( which has been their excuse for months now ) and so I called their number. They said they COULD NOT THAW my credit, no reason given. They said I had to write them a letter requesting a thaw and AGAIN send picture ID and SOS card. I did so. I received a letter from them that they could not thaw my credit because they could NOT LOCATE MY CREDIT FILE. So they have frozen my credit, but refuse to thaw it so I can get a credit card!!
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX-XXXX-19 today was my 3rd call trying to get experian to unfreeze my credit! I have done everything they have asked, its not my problem that the system they use XXXX! Ive tried the website & calling nothing is happening, I cant get a ace to live or a car cuz of this!!!
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2019 I made a payment in full to Bank of America, When I spoke to Bank of America they told me no balance remained. It seems that {$1.00} interest may have accrued which I was never notified about.This account went 30 days late without me being contacted even once. I was not aware of this when I was made aware of this i paid it off immediately. Why would I not pay a {$1.00} bill when all my other bills are paid on time. Review my full credit report you will see that. This has ruined my credit worthiness and has caused me damages.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Summit Financial Corp. (FL)

In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
Consumer complaint received 2019-03-31
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law (PA)

I paid my student loan and the collection companies they send I showed proof that the loan was paid. I have two complaints with you. You said contact Department of Education so I call XXXX and put the complaint # XXXX and they keep telling me to contact Bass and Associates. I already contacted them with no reply. Please help me end this it's a big problem I don't want anybody trying to dock my pay or anything like that over something that is paid
Consumer complaint received 2019-07-15
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. (NJ)

Equifax wont remove XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  card they are using XXXX XXXX and not doing a proper method of verifying that these accounts are fraudulent as they are ruining a for profit business
Consumer complaint received 2018-02-22
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. (FL)

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. XXXX
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (WA)

This company has contacted me, my spouse, my parents, and my siblings repeatedly saying that they have a complaint in their office but refusing to identify what company they are with, no disclosure message that this is an attempt to collect a debt, phone calls minutes apart several times.
Consumer complaint received 2019-07-15
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)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2022-07-11
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. (FL)

n accordance with the Fair Credit Reporting act 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 XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

A seller contacted me to sell me tickets on XXXX for a concert, provided me with proof of purchase, an email confirmation of the tickets. I purchased tickets for a XXXX XXXX concert in XXXX, New York on XX/XX/XXXX for {$200.00}. I sent the recipient money to his girlfriend 's account through XXXX Zelle through my XXXX XXXX. The seller said he was sending me the tickets and then blocked me on XXXX and I lost all contact with the seller, never receiving the tickets. I called XXXX XXXX and they told me that there was nothing they could do since the money had already been delivered, however, it was still pending in my account.
Consumer complaint received 2018-11-11
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. (IL)

Experian is reporting accounts that was open up fraudently in my name and refusing to remove them. Three XXXX XXXX accounts opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. One XXXX XXXX open XX/XX/XXXX, One XXXX XXXX open XX/XX/XXXX. 

They are also reporting address from XXXX XXXX, IL that do not belong to me.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MD)

I recently applied for a loan modification with Selene Finance because I missed payments due to a lengthy XXXX period.I have since regained employment but with decreased compensation. I was hoping to receive a forbearance and/or reduced interest rate to reestablish regular payments. I was just told via phone my modification was approved but with a mortgage payment increase of {$500.00} and if I didn't make the first payment ( {$2800.00} ) within two weeks ( XX/XX/XXXX ) Selene would resume the foreclosure process. I explained I would pay but would need to XX/XX/XXXX to realistically come up with this extreme payment and since I haven't even received the offer in writing in the mail to review or sign how could I be prepared for such an amount or know the terms. The customer service department stated the investor on my mortgage will not give any more time. I have researched this loan servicer and they have hundreds of complaints regarding working against homeowners so the investor can foreclose and profit on the resale of homes. They're expecting me to send in a payment without even seeing the terms of my modification which seems very fraudulent. All i need is to be able to review the terms or this modification or repayment and be given a reasonable time to make my first payment. Please assist in making this company accountable for their bad mortgage practices.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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 ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

With several letters being sent over the year to each credit reporting agency. With no action being taken to remove late payments that these companies were/are not authorized to report without my consent. All late payments should be removed immediately.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX has violated the Dodd -Frank Wall Street Reform and the Consumer Protection Act. Specifically by demanding and lying about payment. They are reporting false statements to the credit reporting agencies and i quote " Paying under a partial payment agreement " There's absolutely no payment agreement, I'm demanding a physical copy of this so called agreement. Here 's the correct history inwhich still doesn't make sense. Account opened XXXX, Then they say last payment was on XX/XX/XXXX. And the report also stated that this account closed XXXX, excatly one month later. Then at the same time the account was closed. Again XXXX XXXX XXXX XXXX has violated. In XX/XX/XXXX this account was removed fron my creut file, but then reinserted back on my credit file inwhich was illegal if you didn't notify the consumer of this within 5 business day. And again no one notified me about doing so. Im demanding that XXXX XXXX remove this account immediately from my credit file. 

Please remove the following 1 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ReliaMax Holding Company (FL)

I borrowed XXXX dollars from max lend, to be paid back in installments, XXXX each month, well I have paid back over XXXX dollars monthly and to get the loan paid off they want XXXX in addition to pay if off. That seems exhorbitant to me! I already paid what I borrowed and I am willing to pay off an additional XXXX if that will close the loan but they want an additional XXXX to what I have already paid. I did not realize that when I borrowed the original XXXX dollars. I was strapped as I am retired and had an unexpected expense.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (VA)

I have an account with XXXX/Netspend and I authorized payment for {$600.00} to come out to pay for my car payment with XXXX XXXX. I became aware today, XX/XX/2019, that the payment that I scheduled forXX/XX/19 was returned due to NSF. I was not notified via mail to advise there was a return payment. The account at the time had a balance of {$590.00} which would have made the account short by {$3.00}. XXXX/Netspend I learned will pay for transactions if within a {$10.00} range but not if you use a Checking account. I have not had an NSF on this account the entire time which has been almost three years. I now have a 30 day late on my Credit Report because I was unaware of the NSF. I also didn't receive notice from XXXX. I feel it is unfair to customers to have overdrafts paid if they use their debit but not their checking. It's the same account and XXXX/Netspend would still be extending funds. The card I was not afforded the option on my account and now this has damaged my credit. I have tried to reach XXXX/Netspend to resolve and they only offered a sorry and moving forward to change alerts. The card I have states all access but I was not given the same treatment for customers with debit card transactions they may come up short.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I've been trying to get Equifax to release my credit score. They keep offering to TELL me my score over the phone, or sending me a hard copy of my score. 

I thought problem was my current mailing address, but when I spoke with the local Postmaster, he stated that the city, ( XXXX, or XXXX ) does not matter. The zipcode matters. 

I am beyond upset with Equifax. My data was breached under their care and now they have the nerve to hold my score from being seen. How is this legal?
Consumer complaint received 2022-07-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$210.00}
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

Made over the phone payment on XX/XX/2018 in the amount of {$99.00}. Payment ID # XXXX. It shows on their end payment is still processing and failed to notify me about the issue. I contacted my bank and they are unable to locate the any issues. TDRCS/ XXXX XXXX FOR LESS acknowledges that there is a problem but is doing nothing to fix it. They lowered my credit limit due to the payment being late. My credit has now dropped XXXX points and TDRCS said their is nothing they can do about it.
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I wrote the Check # XXXX to XXXX XXXX in Oregon. I did ask the Title Co. for the Check refund on XX/XX/XXXX but they said that they have never receive it. Called Wells Fargo on XX/XX/XXXX. They said, that the Check was cashed on XX/XX/XXXX and canceled my Acc. and opened another one with different #. They said that they will refund my $ XXXX.-. Today I have spend over hour on the phone with one of their department after another, always talked to supervisors but it seems to me that they are not willing to refund my $ XXXX.- at all.