davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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. (MD)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (IL)

My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX  EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.
Consumer complaint received 2022-03-29
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 (OH)

Bank of America : Continued communications of payments not paid. As of XX/XX/2022, a total of {$150.00} was paid to my Bank of America credit card. Automatic payment ( {$35.00} ) was paid on XXXX. A payment scheduled for XX/XX/XXXX for the amount of {$35.00} was not issued due to promotional period ending and the increase in interest rate. Payment was eventually made and processed on XX/XX/2022, in the amount of {$61.00}. That payment actually was paid to another Bank of America credit card, I received a letter that the mistake was found, and the payment was issued to the right credit card. Another payment was paid and processed on XX/XX/2022. Any late fees were waived via an online chat. The XX/XX/XXXX payment and the XX/XX/XXXX payment has the account up to date. I'm still receiving information that I owe {$150.00}. I did a recent online chat and was told it was for {$90.00}. The individual could not explain the {$90.00} charge. Online account : the delinquent payment ( XX/XX/2022 ) is for {$61.00}. That payment for XXXX was paid XX/XX/2022. The next scheduled payment {$61.00} ) is due XX/XX/2022.
Consumer complaint received 2017-06-08
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. (GA)

Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I am using a financial service platform by XXXX. I was trying to send an invoice with my client last XXXX XXXX, 2023. The client signed up the invoice and paid the amount of {$3000.00} including the transaction fee for {$100.00}. I tried to call their customer support but they were not cooperative with my complaint. they just transfer me to another department or agent with no clear explanation is to why my money was hold. they have emailed me that they will hold my money for 90 days. I hope you can help me with this problem. Thank you.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (TN)

Southwest credit has been calling me constantly. I believe XXXX XXXX  sold my information to this debt collector trying to say I owe XXXX which is inaccurate. I feel XXXX at this point. I get Calls almost 4 times a day from southwest credit from different numbers for. I am Truly upset about this and believe I do deserve some compensation from constantly being harassed.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (TX)

The debit collector is ad astra recovery services. I have gone through so many things trying to get them to understand I was a victim of identity theft in  XXXX  and the only way I found out about it was trying to file state taxes, someone was able to file taxes in my name using my social security number, I have submitted documents from the IRS to them showing them the supporting documents. I have never received anything in mail about this account nor have I ever received any phone calls. This information was placed on my credit report and that was the way I found out someone had taken a loan out in my name. The amount posted was {$720.00} that was placed in  XXXX
Consumer complaint received 2022-09-07
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. (LA)

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A section 1 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 an account without my written permission. 
The credit bureaus have 15 days to show proof how they verified my accounts are delete all inaccurate accounts from my credit report.
Consumer complaint received 2021-06-09
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. (TX)

XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX DOB XX/XX/1980 Equifax XXXX. XXXX XXXX, GA XXXX To Whom It May Concern, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave EQUIFAX any written consent to report anything on my consumer report. 
No consent is Identity Theft. A copy of the law is attached with this dispute letter. 
Concerning the accounts listed below as a consumer Im demanding deletion of these accounts. 
XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX XXXX -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account XXXX XXXX XXXX  -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- Account Number XXXX XXXX XXXX -- -- -- Account Number XXXX XXXX -- -- -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -- -- -- -Account NumberXXXX XXXX XXXX -- -- -- -- -Account Number XXXX XXXX XXXX -- -- -- -Account NumberXXXX
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX has old account information on my credit report that is over 7 years old. I have disputed it for a long time and they refuse to remove negative item.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

today I went to auto dealer they checked my credit on all three agencies. 
experian- XXXX XXXX XXXX and XXXX- XXXX but since experian was low FICO score they wanted to charge 7.9 % interest This is definetaly cheating ... ... ... ... Why can't we have all three credit bureaus some what similar FICO score. Since all lenders look at FICO
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

When I had money in Wells Fargo they allowed me to overdraft and when the money was back in the account they charged over fees which caused them to close my account. This account closure costed me more than XXXX in PPP loan because there account was closed and wouldn't accept it, I had already received XXXX in this account of XXXX that was approved from government, as of today I received a remediation payment for {$70.00} which I don't understand, because as long as it's been and all that it costed me I should have received more, at least half of the amount that I was approved for in the ppp funds but didn't receive because my account was closed
Consumer complaint received 2022-03-03
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. (FL)

In accordance with t

he Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. This information has has violated my rights under the FCRA. This has caused mental stress, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ). I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (DC)

I opened a TD Beyond Check on XX/XX/XXXX as part of a promotion to receive {$300.00} bonus upon opening the account and receiving {$2500.00} in direct deposits within 60 days. The terms and conditions say the bonus is available to " new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the proceeding 12 months. '' I last had a TD Bank Premier Checking account over 12 months ago. The previous account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This complies with the 12 month language that was stated in the terms and conditions when I opened the account on XX/XX/XXXX. 

When I contacted TD Bank I was informed I was not eligible for the bonus as I was a previous account holder. They stated the promotion contained the following language " '' Customers who received a bonus on a prior checking and/or savings account do not qualify. '' However I maintained screenshots of the terms and conditions from the date which I applied and this language was NOT part of the terms at that time. ( see attached )
Consumer complaint received 2017-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying it.
Consumer complaint received 2017-06-02
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. (MO)

Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (VA)

Over the past 12 days I have received 5 calls from Van Ru Collections at XXXX XXXX. They are calling my number because the purported debtor has the same first initial and last name as me, although the person they are trying to contact is a female, I am a male. Other than sharing the same initial and last name there is no reason to believe that person is at my number. Most calls were recordings, one was from a person. All went to voice mail. I have not called them back.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have an impound account with my mortgage and a debt collector on a credit card from years ago attached the payment to my impound. I have tried to cancel my impound but they have told me that I do not have that option. 
Please contact me if you have further questions. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with     XXXX   XXXX   and sold to   XXXX   XXXX   and now since last  XXXX    XXXX   it was acquired by  Bayview Loan Servicing  company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the  XXXX  of each month with a 15 day grace period to the  XXXX  If  my payment is not received by Bayview by  the   XXXX  of each month they call to every day, even though I 'm not late until the  XXXX .   I am not late and I am ahead of the mortgage by pay more than due each month
Consumer complaint received 2021-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2019-03-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Scott Fetzer Financial Group Inc. (MO)

On XX/XX/XXXX 2 men from XXXX XXXX XXXX showed up at my door and sold me a XXXX vacuum. They used predatory leaning practices I feel and finance me for 36 months at XXXX rate at XXXX a month with XXXX down thru a bank called XXXX XXXX XXXX XXXX company. They DID not fill out the total sale price box on the bank contract and from what Ive read is against federal truth a lending laws. On XX/XX/XXXX i sent a email showing the loan company the contract was not filled out properly. I have a response of them acknowledging that is was filled out wrong but that they still wont let me out of the loan. And also the men that showed up to sell me from XXXX XXXX XXXX gave me numbers on the bill of sale that never worked. I have copies of everything
Consumer complaint received 2017-06-08
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. (NV)

There are several items Equifax is reporting that is false information I have disputed prior and nothing. This information is inaccurate and false I want removed     XXXX   XXXX   #  XXXX  I do NOT owe {$11.00} inaccurate   XXXX   XXXX     #  XXXX  {$23.00} I do not owe {$23.00} inaccurate and false   XXXX   XXXX     #  XXXX  {$10.00} I do not owe and outdated   XXXX   XXXX     #  XXXX  {$10.00} Outdated and inaccurate   XXXX   XXXX   #  XXXX  {$11.00} outdated and inaccurate   XXXX   XXXX   #  XXXX  Fraud, inaccurate and NOT my account remove
Consumer complaint received 2017-06-02
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. (GA)

I have tried to fix these problems cre dit bureau- My lawyer and I are getting ready to file a lawsuit.      Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau