davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (AR)

I had an installment loan with Tower loan. I fell behind in payments and the interest rate at fifty five percent. I would make a payment with my debit card and no receipt. Then I start going in person and I would ask for a balance after payment. I went through at least four managers in a ten month span. I could never get a balance of what I paid. They would always give me the balance before payment with payment. No matter how much I paid the balance barely moved. After a long period of time I received this letter of judgement Principal Amount XXXX, Accrued Interest to the date of judgment XXXX, Attorney Fees XXXX, Court Cost XXXX Total {$1800.00}. 
I had already agreed to pay {$50.00} a month until paid in full but I never thought the outrageous 55 % interest would continue. 
The first judge advise me to get a lawyer, but his last words to me was to just show up at the next hearing. He then ordered the lawyer to have a rep from Tower loan there. I later received a letter from the lawyer stating that he has changed judges and a new court date. The second judge told me that the law was the law and he couldn't argue my case. So that told me I have already lost since I can't afford an attorney.
Consumer complaint received 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (OH)

My loan is due for a payment of XXXX dollars every two weeks. Two weeks ago I set payment arrangements on XX/XX/XXXX. The company then called me another time in the same day XX/XX/XXXX. Twice on XX/XX/XXXX which the first time I answered ( XXXX ) and the same arrangements and they still called later on XX/XX/XXXX ( XXXX ). Then also sent me a text of the payment on XX/XX/XXXX. Then sent me an email on XX/XX/XXXX asking about the payment I had already made arrangements for. I paid the arrangement yesterday XX/XX/XXXX. I called in today to inform them that I want to place on the cease and desist and the agent said she wouldn't place the order until I told her why. I told due to harassment and she once again declined saying it's not harrasment
Consumer complaint received 2018-03-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of 2017, Bank of America closed our account after we had been a customer with them for 30+ years. They advised us that they were no longer interested in having us as a customer. 

Today, in our mail, I received a solicitation telling me that my credit is great and that I have been " preselected '' for a credit card. 

This is very confusing and upsetting. Last summer caused my husband and I financial and emotional hardship having to deal with switching banking institutions and now they are reaching out to me asking me to be a customer? This should not be allowed.
Consumer complaint received 2018-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have had a mortgage with Fifth Third bank since 2011. On XX/XX/XXXX, I refinanced with XXXX XXXX. Ohio had a three day cooking off period where I could change my mind so on XX/XX/XXXX, XXXX sent a payoff check to Fifth Third via XXXX. 

On XX/XX/XXXX, a XXXX XXXX at Fifth third signed the receipt from fedex for the check. 

On XX/XX/XXXX, I noticed that the payoff check had not been cashed by Fifth Third. I verified with XXXX that the check had been sent/received by Fifth Third and that it had not been cleared.

I immediately contacted fifth third to see the status of the check. I contacted them again on the XXXX and the XXXX ( all via their mobile chat ). I provided the name of the person who signed for the check al XXXX with the fedex tracking number. 

On the XXXX they said they had submitted a research request to find out about the check. They said they would get back to me in four business days. In the meantime, I went ahead and made my XXXX Mortgage payment to avoid any chance of a late fee. 

Four days later, I still had not heard from them. I contacted them again today ( XX/XX/XXXX ) to check on the status. They have provided zero update on the payoff check or any actions they are taking but said they have mailed me a letter asking for more information. There is no more information for me to provide and I am extremely concerned that they are holding my XXXX payment as well as charging me more interest. 

They have not given me any information on my check and are now saying I need to wait for some mysterious letter in the MAIL to give them more Information.
Consumer complaint received 2020-01-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I sent a notarized document and a copy of my social security card and ID both which are federal and state identification to Equifax and received a response stating I didn't provide ID or my address. With the notary itself, I was required to have ID just to get it signed and stamped at my bank. I believe this is a stall to delay them from reviewing my request. I am sure I am not the only one this has happened to before.
Consumer complaint received 2019-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I was told by a USAA Customer Service Representative that there was a 6 day grade period for payments to credit card accounts. I paid within this grace period. USAA has chosen not to honor this grace period and has instead charged a {$92.00} interest fee to my account and is unwilling to reverse this fee despite having been told that there would be no such fee due to the grace period.
Consumer complaint received 2023-03-03
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and immediate repair due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}
Consumer complaint received 2021-06-07
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: Experian Information Solutions Inc. (FL)

As of XX/XX/2021 Experian continues to report an inaccurate account on my credit report from XXXX XXXX. I have written several letters in an attempt to correct this issue and no progress has been made. At this time, no information or proof has been furnished to establish that this debt belongs to me. This incorrect information is severally effecting my credit score at this time.
Consumer complaint received 2021-11-09
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: Bread Financial Holdings, Inc. (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CB/LNBRYANT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-08-18
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. (NY)

Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID As well as my XXXX bank statement and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you
Consumer complaint received 2018-07-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

I applied for a HARP refinance program with Loan Depot on XX/XX/2018. The company is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan officer XXXX XXXX XXXX # XXXX, phone # ( XXXX ) XXXX, told me I have to pay for an appraisal fee {$500.00} to get approved. I asked him what if I don't accept their offer, but he said not to worry, they will make it the best offer, they will make it to my liking, they can even give me a cash out. After the appraisal, what they offered me was not what I expected. The refinance fee was almost {$10000.00}. I couldn't agree with their offer, so I told them to cancel my request and give me back the {$500.00} they charged me for appraisal, but he refused. I also spoke to his manager XXXX XXXX, he also said it is not refundable. 
I should get the money back since the HARP program does not require appraisal fee, and XXXX charged me wrongfully. Also since you can't get a cash out with the program, he misinformed me also. I need help to get my hard earned money back. 
Thank you very much for your help.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under 15 USC 1681. 

XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Paypal.com. I have a balance of ~ {$400.00}. I am trying to have this balance sent to me as a paper check, and to close my Paypal account. 

The automated system to request a check returns an error, and tells me that there is a problem with the mailing address on my account. No paper check can be issued through the automated system. 

When I contact Paypal chat, they tell me there is NO problem with my mailing address. They state it is confirmed and verified, but they can't issue the paper check. When I ask why, the chat reps are unable to locate a reason why. 

I would like my ~ {$400.00} mailed to me as a paper check, and to close my Paypal account.
Consumer complaint received 2021-11-09
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: Byrider Franchising, LLC (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CNAC OH130. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

OnXX/XX/XXXX Navient started to harass several of my family members by phone in an attempt to get ahold of me. One of my family members stated she got 10 calls from Navient just one XX/XX/. I got reports from 4 additional family members who also repeated got multiple harassing phone calls. I never gave out these family members numbers or gave Navient permission to contact them.
Consumer complaint received 2021-06-04
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: Onity Group Inc. (TX)

As of XX/XX/2021, it has been 6 months since my Mortgage Loan Account has been closed with a XXXX Balance with PHH Mortgage. XXXX XXXX has failed to provide me with the Law or a copy of the Actual Updated information in which PHH has illegally reported to XXXX  on my behalf causing me harm and lowering my credit score-XXXX points on XX/XX/2021. XXXX XXXX nor PHH has the Legal Right to Report or update any information pertaining to me.
Consumer complaint received 2021-11-09
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquirY reporting on my Credit Report : 1. XXXX Inquiry Date XX/XX/2021 ;
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX THESE ACCOUNTS IS BARCLAYS CREDIT CARD
Consumer complaint received 2021-08-18
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. (CA)

I recently filed a rport with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THESE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. i never receive notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. i recently applied for a loan and was denied to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt, otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2019-03-15
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX, I ordered a article from XXXX and used the flex pay option to pay with my credit card. It was denied. Today I received a letter stating that they did a credit check using that credit card. I called customer service today and they stated they did not run a credit check on me. I disagree and I never authorized XXXX to run any type of credit check.It does not say anywhere on this site that this would be done. It improper use of my credit file
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (FL)

I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXX XXXX Account : XXXX Amount : {$3800.00} Inquiries : Name : XXXX XXXX XXXX - Date : XXXX Name : XXXX XXXX XXXX Date : XXXX Name : XXXX XXXX Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX XXXX XXXX- Date : XXXX Name : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX XXXX- XXXX XXXX XXXX Name : XXXX XXXX XXXX  XXXX XXXX : XXXX Name : XXXX XXXX- Date XXXX XXXX XXXX : XXXX- Date : XXXX Name : XXXX XXXX- Date : XXXX Name : XXXX  XXXX Date : XXXX Name : XXXX- Date : XXXX Name : XXXX- Date : XXXX The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2021-06-07
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. (NC)

I submitted a dispute to have collection account deleted because their reporting this account from a third party vendor and by law Equifax can not report an account from a third party vendor only the original creditor and haven't deleted it, they deleted the other 2 with the same problem.
Consumer complaint received 2020-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I settled a XXXX XXXX  collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is XXXX.
Consumer complaint received 2021-11-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Experian 's XX/XX/XXXX response to XXXX falsely stated : " ... They ( XXXX XXXX  XXXX Card Services ) responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/XXXX ... ''