davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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: Affirm Holdings, Inc (PA)

False advertising of services received. " Affirm '' ILLEGALLY reporting loans to credit bureaus. Per their own contract & FAQs... They wouldn't report the types of loans acquired. ( Pictures include details of loan dates, amount, stores ) they did not acquire my permission to report such information. 

Affirm clearly states TWO types of loans will not be reported ( before, during, after ) both types being zero percent interest. 1st type is 4 biweekly payment. 2nd type is 3 month no interest. ( My loans are all the 2nd type, 3 months with zero interest ) I tried multiple times for them to remove information from credit reports. Their response is " it is in the agreement signed '' they can/will report information. Even when bringing up facts from their own website ( they refuse to accept it as true and remove the information ) management stated they can do so if " other options were available '' ( no other other options were available. Loan type/length prohibited reporting ) also " I can not provide you with this information, I'm unable to do so '' I see it here on my screen along with your loan agreement ( refusing to provide both proofs. = If other options are available for " manager '' accessibility then that can be forwarded to consumer = broken record. I am unable do do so. No PDF, screenshots, other type of documentation... ) On credit report where reported it is physical harming credit score ( mainly, lowering " average credit age '' = being only neutral fact on my report = reported as 6.5 years vs 10 years as seen on there reports and models )
Consumer complaint received 2022-08-02
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. (NC)

Equifax is reporting that I still owe 100 % on a loan that has been fully paid off & should not be appearing on my Credit Report at all : XXXX XXXX XXXX XXXX 

I have repeatedly written to Equifax to dispute the accuracy of this reporting, yet they refuse to delete this account from my profile even though it has been paid in full & I no longer owe XXXX XXXX ANYTHING. 

According to the Fair Credit Reporting Act ( FCRA ) I have a right to an accurate Credit Report & this is obviously not accurate & is hurting my Credit Score.
Consumer complaint received 2022-08-17
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. (LA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-11-01
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: MARINER FINANCE, LLC (FL)

Beginning in XXXX, XX/XX/2018I requested evidence that this was my debt which is showing on my credit report from XXXX XXXX ( see attach letter. ) I never received any proof that this debt belongs to me ( like signed loan agreement or pay history ) but they continue to report to my credit report which is a violation of the Fair Credit Reporting Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

XXXX XXXX I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with Equifax, XXXX XXXX and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: OLD NATIONAL BANCORP (IN)

Branch Manager of Old National Bank XXXX XXXX and XXXX XXXX XXXX, IN XXXX XXXX XXXX, on XX/XX/2022 @ approximately XXXX XXXX XXXX sat down with me and discussed the issues of my new account. Recently transactions on the account wasn't processed by me. I was wanting to discuss my options of possible solutions. XXXX suggested that I should closed the account and open a new account. 
I agreed to a change for a new account. Prior to coming into the bank I with to the ATM and printed balance inquiry. I still have that receipt balance. Additionally, XXXX XXXX, printed a copy of my history on the account. I told XXXX XXXX that I was going to need a copy whether she charged me for it or not. XXXX XXXX called the customer service representative and stressed to her that I was concerned about the recent transactions on my account and the representative as well as XXXX XXXX XXXX stated that this process was the only solution to resolving further issues. I agreed to closing the account ending XXXX XXXX and was given a new account ending in XXXX. However during the process XXXX XXXX suggested that before I close the account to prevent any NSF in the old account be safe a leave XXXX in the old to cover any charges. If for instance there are no charges, that XXXX dollars would be transferred to the new account. XXXX XXXX XXXX, assuming that I did not understand what she was doing ; she created the new account ; but instead of giving a receipt for closing the old. She stated, this is your new account that we are transferring but the old account new is written on the old balance receipt. Making it appear that I only had a XXXX and the XXXX just disappeared with out any record. XXXX XXXX XXXX was unaware that I previously printed my balance of the old account before coming into the bank and she gave me a history of the account before she changes account. XXXX XXXX, fraudulently change the balance of my old account leaving the XXXX dollars from which she asked me to leave for safe keeping to prevent NSF during a closing. As I repeatedly do from time to time is check my balance. XXXX, bank teller, explains when I came to the bank that there was ever a XXXX balance left in the old account. I requested to speak with Branch Manager XXXX XXXX, each time I was told she wasn't available. Today after several failed attempts to reach her, I had to call on another phone line to get the tellers to connect me to XXXX. Finally, XXXX XXXX Branch Manager, got on the line to speak with me. After being told I misunderstood 5x by XXXX. I was hoping that she would tell the truth However she refused and continued to pursue this fallacy that I never left XXXX in the old account. I then told her I recorded our conversation because you continued to act suspicious. As of today her mood changed when I said you have been recorded saying leave XXXX in the account to prevent NSF from incoming transactions. She became very quiet. I am requesting assistance with this matter.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PROSPERITY BANCSHARES, INC. (TX)

On XX/XX/14, my checking account shows payment was taken from my balance and issued to XXXX XXXX credit card. However the payment never made it to XXXX XXXX. In contacting XXXX XXXX first, they stated the Prosperity Bank rejected their request for payment, stating account not located ; however Prosperity Bank still debit my account for the {$1300.00}. I need someone to research what happened to my money that they said was sent over but the recipient never received. Im out this amount and speaking to a branch manager in XXXX, XXXX. She said there wasnt anything they can do. 

My checking # is XXXX. My checking account has been closed recently but this payment that posted to my account in error was made prior to the closure. Im providing the account number because Prosperity Bank can not find me in their system by ssn or name. Their system is messed up and may be the reason for this accounting error
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

This is for the company Equifax. They are not able to locate me in their system. I am being denied a bank loan due to a freeze on my credit account and am being told by the other two major credit reporting bureaus that they do not have a freeze listed on my account. I need to resolve the freeze issue, but first I need to verify that Equifax has a freeze on me. Equifax can not locate my account though.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022. 


Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed. 



Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''. 


Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.
Consumer complaint received 2022-07-27
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: DISCOVER BANK (NH)

I applied for a credit card with XXXX XXXX on XXXX XXXX and was denied because XXXX XXXX reported that I was a delinquent consumer from Discover credit card. I was in dispute of {$320.00} with Discover and it was paid off by XXXX XXXXXXXX XXXX sending me a check. Discover reported to XXXX XXXX I was in arrears for several months, When in fact I was is dispute with Discover. 

Now my credit rating has dropped to 630 and I can't get credit because Discover reported my disputed incorrectly to XXXX XXXX. Matter of fact it was reported as non payment not even a dispute. 

I called Discover and was refused help on XX/XX/2022. I was hung up on 3 times. 

So now I am filing this complaint.
Consumer complaint received 2018-11-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (OR)

On XX/XX/2018 I sent a prepayment to the company that holds my reverse mortgage. I had to get the check, enclose a statement and then mail the check for the prepayment to them. They did receive it. 
I want to pay them monthly through my banks bill payment system, the way I automatically pay my utilities. The reverse mortgage company will not allow this ; I am required to get the check and manually mail it each month. My complaint is why can't they just accept these automatic payments from my bank like my gas or water utility company would? 
Why do I care? Because it is time consuming and I am busy trying to make a living so I can pay off this reverse mortgage so my heirs can have something.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/14 I submitted a payment of {$1300.00} through the American Express XXXX XXXX. The payment was reversed stating that bank account can not be located and charged me for return fee plus interests. On my bank side, it shows the payment came out of my account with the trace number. I tried opening a dispute case with American Express and provided a copy of my bank statement showing the amount that came out. 3 weeks later American Express closed my dispute case without providing any reason. I logged into my account and found that the case was closed. I called and spoke with the dispute department and they gave the same initial response that payment was not received and its my banks problem and I should pursue with my bank. My bank wont do anything either stating they sent the payment.. Im not sure whose fault it is but someone has my {$1300.00}. Both sides are washing their hands of it. I also filed a complaint against XXXX XXXX I need both sides to figure out who has my money.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I mailed proof that I owed a {$0.00} balance with my apartments. ProCollect has since been harassing me daily even after the proof showing that I do not owe my apartments. I want this company to cease and desist from contacting me immediately and I need your help! Thank you
Consumer complaint received 2022-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GSF MORTGAGE CORP (FL)

On XX/XX/XXXX my spouse XXXX XXXX and I closed on a " one time close '' construction loan. Due to the COVID pandemic construction was delayed, however, the issues were communicated with gogsf or GO Mortgage, extensions were granted and fees were paid and accepted by GO Mortgage. Even though we have an approved extension through XX/XX/XXXX, and even though we received our certificate of occupancy on XX/XX/XXXX, GO Mortgage will not convert our loan to the permanent phase ( the amortized mortgage ), but instead is telling us we are required to refinance or that they will call the mortgage note. 

We feel this company has engaged in unfair and deceptive trade practices. GO Mortgage continues to call and harass us, even though we have made our first mortgage payment.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2018 I received a bill for XXXX from Chase XXXX XXXX XXXX credit card. I called them at XXXX and was told it was for a annual fee that I got the first year for free and after that it automatically charged my credit card XXXX. I was told a bill was sent XX/XX/XXXX but I did not receive a bill. An interest charge of {$.00} was added to the XXXX charge because I didnt pay the bill in XX/XX/XXXX. Absolutely no communication was sent to me prior to the charge. I dont have this card and if I was going to be charged for a fee I wasnt aware of it. The guy I spoke to said it was in the fine print in the paperwork that came with the card over a year ago. Ive never used it and didnt know I even had it. When I try to setup an account online it asks for my social security number and I dont feel comfortable giving that out. When I said I wanted the card cancelled, I was told Id still have to pay the {$49.00} since it was more than 90 days when I called them. So they agreed to cancel the card but I still had to pay the {$49.00}. So Im paying for something I dont have. Can anything be done
Consumer complaint received 2018-11-01
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. (GA)

I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Consumer complaint received 2022-07-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Foursight Holding LLC (OH)

On XX/XX/2022, I mailed in legal tender in the form of a money order for the amount of {$1600.00}. It was received by Foursight Capital on XX/XX/2022. Today on XX/XX/2022, I called Foursight to see when my money order would be processed and the credits applied to my account and the agent told me that my money order was shredded and discarded. Foursight never called me to discuss any issues with my money order. I was told that Foursight doesn't have an accounting, legal or any other department that handles billing errors and issues such as this one. Assuming that Foursight Capital operates under federal and international financial laws, they aren't upholding them when dealing with my account.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

I purchased Kitchen appliance package for {$4500.00} on XX/XX/22, but I am charged {$6400.00}. They split it between two credit cards {$1900.00} on my Visa with XXXX bank and {$4500.00} on my best buy visa credit card, so a total of {$6400.00} I made NUMEROUS phone calls to best buy trying to solve the issue since XX/XX/22. They realized their mistake but they never refunded the difference back to my credit card. This action caused my balance on best buy credit card to go over the limit by by {$970.00}. Also I have this large balances on both credit cards which negatively affected my credit score. Moreover, I have been charged interest on this high balances that I should not have in the first place. It has been over a month and Best Buy credit card has not given me my money back So I am writing to you to please help me
Consumer complaint received 2022-07-27
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. (NC)

As of XX/XX/XXXX my XXXX Bank Credit Card debt in the amount of {$3000.00} was cancelled and reported to the IRS. On XX/XX/XXXX I submitted the 1099-C Cancellation of Debt form that I received from XXXX Bank to the IRS on XXXX XXXX tax filing as income for the discharged debt amount of {$3000.00}. On XX/XX/XXXX I requested that XXXX Bank, Equifax, XXXX, and XXXX update the account status on my credit report to reflect that this debt was cancelled and to date there has been no change. XXXX Bank is still reporting to the credit bureaus that this account has a balance and past due amount of {$3000.00}. This fraudulent and inaccurate information is negatively impacting my credit score. This fraudulent and inaccurate account needs to be deleted from my credit report immediately.
Consumer complaint received 2022-10-25
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: VW Credit, Inc (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : VW CREDIT INC XXXX Date opened XX/XX/2018 Balance : $ XXXX