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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AP)

I was late on a XXXX XXXX loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked XXXX XXXX  to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my equifax complaint went nowhere- please help me! I have read horror stories about XXXX XXXX  and Im scared.
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

I received a letter from Diversified Consultants, which is a debt collection agency attempting to collect on a debt that XXXX claims I owe them. I left XXXX in XX/XX/XXXX for XXXX. In order to bring over the phones from XXXX, which were being leased I had to pay them off. I went ahead and paid off the remaining amount owed on the phones and the phones were then unlocked by XXXX and I cancel service with XXXX. Per the agent from Diversified Consultants with whom I spoke with, today ( XX/XX/XXXX ). XXXX states that an itemized bill was sent to me at my current address. I told the rep I never received the itemized bill from XXXX, or any bill from XXXX. The agent confirmed my address, and it was the correct address, but I never received the communication from XXXX. I asked the agent if she could give more info, but she stated that she could not. All she could say was that XXXX is collecting on payments for the leased phones, and services. I attempted to contact XXXX to resolve this issue and was led on a wild goose chase from one person at a call center to another. Neither of them would give me specific information about what I owed but rather transferred me to another department that was " better suited '' to handle this issue. This lead to them reconnecting me to Diversified Consultants. XXXX has provided no proof of what they claim I owe and the letter from Diversified Consultants is not itemized either. Per XXXX 's legal agreement on their website ... 

" XXXX will unlock a device from XXXX 's network under the following circumstances : The device is SIM Unlock capable The device must be or have been active on the XXXX network for a minimum of 50 days Any associated Service Agreement ( or any Minimum Service Term, where applicable ), Installment Billing Agreement, or Lease Agreement has been fulfilled including, but not limited to, payment in full of any applicable : 1 ) early termination fees, 2 ) accelerated installment or lease payments, and/or 3 ) end-of-lease purchase options. Because leased devices are not owned by the user, the end of lease purchase option must be exercised and paid in full before the SIM unlock is completed. 
The associated account is in good standing The device has not been reported as lost or stolen, associated with fraudulent activity, or otherwise flagged as ineligible to be unlocked For SIM unlock-capable devices ( generally most devices launched after XX/XX/XXXX ), XXXX will automatically unlock postpaid devices when they becomes eligible. '' This is directly from their website. XXXX would not have unlocked the phones, and I would not have been able to bring them over onto another carrier, if they were not completely paid off. Since this has been reported to credit reporting agencies, my credit score has unfairly taken a serious hit.
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA purports itself as a members institution. However, their unwillingness to recast a simple loan has lead me to go through their reapplication process. My credit score, is likely the exact same as last time, yet, they have marked their rate up to a predator 6 % increase on the previous loan. When asked for a reason why, the representative cited only the credit score, which has been fairly static, and is a decent #. They made no mention of market conditions, fed funds rate, or anything else. This leads me to firmly believe that USAA is now engaging in predatory lending as defined by applicable state law. I can not imagine the utter loan shark-ish practice they must be doing to others who have a lower score than mine. It is this disparate treatment, that I find to be Unfair, Deceptive, or Abusive Acts or Practices that needs to be examined by the OCC and FDIC as it puts not only myself as a customer at a risk, but also a reputational risk for the institution putting every members funds and livelihood in jeopardy.
Consumer complaint received 2017-06-10
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. (TX)

My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are two addressess I have never lived at and I have no idea who they pertain to, these addresses are   XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I made a transfer from Bank of America in amount of {$350000.00} to XXXX XXXX. The XXXX XXXX  account was provided by a fraudsters and this is a fraudulent cryptocurrency transaction being made. When I transferred, I didn't know the platform is a scam. The customer service request me to add buying power by transferring money to this account. After the deposit was made it unable me to withdrawal. This is a complete fraud. XXXX needs to be responsible to revise my transaction and Bank of America needs to investigate this matter for me.
Consumer complaint received 2017-04-11
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (WA)

In 2010 I had financial trouble and asked for a refinance for lower payments, which they did but I had to sign a lien against my house for over XXXX dollars which is due when my house is paid off. Only XXXX actually went towards my home. The other XXXX the bank PNC Mortgage kept for themselves, I 'm assuming for the fees they charge. I have always been bitter about this and just recently learned about CFPB. Maybe someone can look into what they did and see if it was legitimate.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I sent a letter to Experian XX/XX/2017 disputing credit report. I recieved a canned letter response that refused to investigate any of the XXXX accounts that I was disputing. The letter stated that I had disputed this items previously. Which is not correct for Experian. My credit score with XXXX is XXXX Experian is reporting XXXX with the difference being what was disputed. If in fact I did it would have been only XXXX items ( XXXX and XXXX ) on the list the others are new. I have evidence that I paid XXXX on time and additionally paid them in full and submitted that information. I have proof that I have been fighting XXXX for inaccurate billing since day 1 the billing was produced. XXXX advised that I had to make a dispute with the credit bureau and they would update. It appears that no one took my notice of dispute seriously nor did they want to investigate and made the decision to dismiss it with a canned letter and false claims which should be against the law they claim they serve and ignoring the Fair Credit Reporting Act. It appears they whoever sent the letter did not want to do the work to send disputes.
Consumer complaint received 2017-06-11
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: Diversified Consultants, Inc. (WI)

XXXX  had reposted a paid debt that had been handled by Diversified Consultants located at DIVERSIFIED CONSULTNTS   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  (  XXXX  )  XXXX  Overview You 've paid off 61 % of your collection amount.   Balance {$180.00} Highest Balance {$480.00} Opened  XX/XX/XXXX   ( 6  mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name  11    XXXX   XXXX   This has been paid in full and I called the debit collector about this statement more than once, and they assured me they submitted to  XXXX  as with   XXXX   and  XXXX  that the debit is paid, the only one NOT following federal regulations is  XXXX . I called  XXXX   XX/XX/XXXX  and spoke to a Supervisor who expected me to call the debit agency giving them permission to confirm i allowed  XXXX  to interact with them in inquiry to this dispute??? Really? How Evasive can you get??? Ive also turned  XXXX  into the FTC for fraudulent information, sabotage attempts, Damaging my credit and doing the same exact childish behavior  XXXX  did to me when I had the issue with  XXXX   XXXX .   These people are over seas incompetent twits and should not be allowed to handle consumers personal information as they are  apt to  destroy and ruin people intentionally.
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: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX, I am writing because Experian credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or Experian would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (AZ)

I have been getting charged various amounts on my account. When speaking to the reps in the XXXX Arizona office, they ridicule me, they have cursed me, they have submitted unauthorized payments and hung up on me. When I asked for a copy of the phone recording the supervisor told me " you ai n't getting XXXX ''. I have started recording the calls myself. The other office locations are okay. But I am not able to get anyone to break down the charges other than the late fees and interest. Even the dollar amount on the interest is questionable. The interest is daily, but when I am late it looks as though I am being charged triple the interest.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NEW CITY FUNDING CORP. (NY)

I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.
Consumer complaint received 2017-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (GA)

To give truck back first and they would n't accept it. Then I became  XXXX  so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open  XXXX   XXXX ,  2010 .
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed XXXX {$4100.00} XXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

Inquires without my knowledge and or consent. Please delete from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (AZ)

There is a mistaken chapter XXXX entry on my Transunion file, I want this to be deleted and there is a letter attached explaining the isssue.