davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XX/XX/XXXX RE : Equifax Confirmation # XXXX XXXX Confirmation # XXXX Confirmation # XXXX Subject : Account # - DEPAR XXXX XXXX XXXX XXXX To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 16811 ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at all the addresses listed above. 

Thank you, Sincerely XXXX XXXX
Consumer complaint received 2018-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (FL)

My car had to undergo repairs at a shop in XXXX, Fl around XXXX of this year 2018. The store recommended, because of the amount of the cost for the repair, to get approved by a company who will do the financing, ACIMA from  Utah. Those people immediately called me and started sending me text messages for me to sign the " agreement '' OVER MY PHONE. They were giving me just minutes as deadlines to get the ball rolling and be able to take my car from the shop. Unfortunately, and due to the pushing and the deadlines, I did that and signed over the phone, without being able to read the " Agreement '' in its entirety. 
I had to leave the country on XX/XX/2018 and returned last XX/XX/XXXX due to a family issue ( death in the family ), and to my surprise, yesterday I received a call from ACIMA, telling me I was behind on the XXXX and XXXX payments because they were unable to pull the payment from the Card on file. My bank account got hacked during my trip and because of my circumstances abroad I didn't have my new card which was sent to my home in USA, and didn't even think about that payment coming out of my card either, but once I explained that to the person who contacted me yesterday, I asked him, just by chance, what was my payoff. That company is a total ripoff, they charge usury charges that are in the range of 100 % or more annual interest. The original amount being supposedly " financed '' was {$390.00} Dollars. they had me pay {$53.00} at the beginning, to them tell me that amount was " added '' to the " lease '', and that they are not " financing '' but " leasing the debt ''! 
Once I got back home I went online and was finally able to read the whole " agreement '' I was forced to sign over the phone without having a chance to read it. As per their agreement, the total amount I would pay if I waited 12 months, will be {$800.00} + dollars. That is more than a 100 % interest rate per year, which, as per my understanding, is illegal and a crime in the US based on usury practices! 
I spoke to a supervisor over there at ACIMA and she told me that if I had paid the whole amount back on XX/XX/XXXX ( just a week ago, and while I was abroad ), my payoff amount would be in the range of the {$400.00} 's dollars.I had paid them {$220.00} already, on a debt of {$390.00}, yet they are pretending to charge me {$75.00} dollars for not paying off on the XXXX, plus {$50.00} more for not being able to pull both payments, plus I am not sure what, for the total above or more! 
So that's where I am standing and I refuse to support those usury practices and pay those outrageous amounts.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that you they failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. Balance is wrong. Date of opening is wrong. I would like it removed from my credit history report XXXX Account Number : XXXX I was never late on this account. Please ensure that all information is accurate
Consumer complaint received 2020-10-13
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. (MD)

On XX/XX/2020 I received a settlement offer from XXXX XXXX/XXXX  for my charged off account in the amount of {$1000.00} through XXXX. I paid this amount through the company. On XX/XX/2020 I called the collections department of XXXX credit who confirmed my payment was received on XX/XX/2020 and would update on my credit report within 30 days. This information showed on my XX/XX/2020 credit report as settled for less than the amount and a {$0.00} balance. On XX/XX/2020 XXXX reported the account as an open charge off with a balance of XXXX.
Consumer complaint received 2020-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX XXXX {$150.00} XXXX XXXX {$790.00}
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/22 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I wrote a personal check on XX/XX/2021 to XXXX XXXX XXXX XXXX, my neighborhoods HOA. At the beginning of XX/XX/2021 XXXX XXXX XXXX XXXX contacted me stating I had not paid them. I sent them copies of the check and the proof of funds withdrawn from my account to which they notified me that is not their bank and not their account. Bank of America is the bank who withdrew the funds from my bank account and deposited it into one of their accounts which is clearly not the payee listed on the check. Upon receiving this information I notified my bank, XXXX XXXX XXXX XXXX XXXX, to which my bank filed the claim mid XXXX. I had not heard anything from my bank until I called them today and they informed me Bank of America gave no response to their claim and there was nothing else they could do. My bank told me I was out the check in the amount of {$500.00}. Because of this taking so much time my HOA is now charging me {$590.00} for the funds being late. I attempted several times today to call Bank of America customer service which was a failed attempt to contact with anyone at Bank of America. 

The supporting document check photo attached states the bank account bank of america deposited my check into as well as my bank account listed on the front of the check. I am willing to bet bank of america has no issues holding my money and lending funds to make interest off of the funds that were never there's to begin with.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Credit Corporation (FL)

i applied for and was preapproved for {$500.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued drivers license and my bank statement for address verification, i was APPROVED and UNDERWRITTEN for {$500.00} credit limit. One week later, I received the card in the mail but never actually looked at it to verify any of the information. I activated my card and was able to use it one time for a transaction under {$35.00}. I checked the card and noticed it has my former last name, XXXX. I sent an email to XXXX to request my information be updated. Then randomly today, XX/XX/2018, I received an email stating my account has been closed.
Consumer complaint received 2021-06-28
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. (UT)

I have been disputing negative accounts with the bureaus and have yet to hear from any of them. I have items on my credit that are not accurate and they need to be removed. Under the law, they're supposed to respond in 30 days and it has been over 3 months. I have attached the latest letters sent to you please respond.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My issue is with transunion and XXXX  1 XXXX  I cant lock my credit file because XXXX  says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has XXXX  on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 Transunion they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (CA)

CrossCountry Mortage made a significant error that violates the 2020 CARES ACT by proactively reporting a missed/late payment to all the credit bureaus while my mortgage was in Forbearance. The many representatives I have spoken with have apologized for this mistake and no of them can understand how and why it happened, and why Cross Country Mortgage has not fixed the mistake. A work order for fixing and correcting this mistake was submitted in XX/XX/2020 ( now it's XX/XX/2020 ) and a representative just confirmed that the " work order was never worked on ... ''. Again I received another apology, yet my credit has dropped over 170+ points and this mistake has caused major financial damage to me and my family because it was never " worked '' on when it was brought to the attention of CrossCountry Mortgage. My credit for the past 15 years has been 820+. And now since XX/XX/2020, CrossCountry Mortgage a 2nd time reported a missed and late payment to my credit AGAIN. Long-standing lines of credit that I've had for 15+ years have been canceled as a direct result of CrossCountry 's mistake. New career and job opportunities have not resulted in hiring after the company pulled my horrible credit that is due as a direct result of CrossCountry Mortgage. They continue to apologize and continue to do nothing and as a result I lose job opportunities, long-standing credit lines get yanked away, I'm unable to get a business loan, there are going to be issues when I need to refinance. I'm at a loss and have never in 20 year of doing business been so disappointed in a financial institution as I am with CrossCountry Mortage.
Consumer complaint received 2023-08-17
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. (NJ)

My federally protected rights as a consumer has been violated by the reporting of late payments to the following accounts XXXX  XXXX : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX according to usc1666 ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I was never informed by mail or phone call about this and thus reporting a late payment on my credit report is unconstitutional and a violation of my rights.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

In XX/XX/XXXX I applied for a refinance of my home mortgage with XXXX XXXX ( XXXX ). They are not the problem, instead my second mortgage, originally with XXXX, now with Select Portfolio Services ( SPS ), has been a major problem. In order to refinance My second mortgage company had to agree to be the subordinate mortgage. That is where the problem began. It has been three ( 3 ) months and after constant contact by me and my representatives at XXXX and they still have not agreed to be subordinate. I have written letters allowing them to contact XXXX and have called to let them know I am unhappy with their incompetence. They kept saying it is in review and it may take 5 days. I spoke to a supervisor on XX/XX/XXXX and she said she would set up the process. Still no answer as of this complaint. Do to SPS 's incompetence I have lost the ability to lessen my term and take advantage of HARP. Additionally I was forced by SPS 's inaction to incur a fee of {$2000.00} to lock in the rate I applied for in June.
Consumer complaint received 2024-02-01
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. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2021-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

We have a Home Depot credit card issued through Citibank. It has a XXXX balance. 

On XX/XX/21, {$3000.00} was accidently transferred via our bank 's bill pay system to the Citibank/Home Depot card.

Currently, we have a {$3000.00} credit on the account.

Citibank/Home Depot is refusing to return the funds in any format. They refuse to transfer the funds back to the account from which they came, to the account linked to the credit card, or to issue a paper check.

Because one spouse is listed first on the bank account ( although it is a jointly held account ) and another spouse is the primary user of the credit card, Citibank/Home Depot claims they can not return they funds. Both spouses share a mailing address.

Citibank/Home Depot has been provided with copies of routing information regarding the transaction and joint ownership verification of the checking account. 

The loss of access to these funds is a hardship for us. A satisfactory resolution would be the return of the funds in any way -- to either or both spouses.
Consumer complaint received 2018-09-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX change on transunion by bank of america someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX due to Unauthorized and Fraud alert already on my report XXXX XXXX month ago and i already contact them
Consumer complaint received 2021-01-25
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. (NV)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I want this removed ASAP!
Consumer complaint received 2018-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Recovery Services Inc. (DE)

On XX/XX/18 a outside collection agency attempted to contact one of my family memebers at their job and it was forwarded to me upon talking to them I realized I had already previously accepted a offer from the original creditor but never heard back. This ultimately causing the guy XXXX XXXX for diversified collections to be really nasty and say such things as well sue you and he doesnt care about what I had to say and hung up in my face. He also threatened that o should get a lawyer and so on