davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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. (NC)

Online XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX n accordance with the Fair Credit Reporting act Convergent Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-07-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

I applied for a payday loan from Big Picture Loans. I was told that I would be paying {$280.00} in fees with the {$800.00} I borrowed. I agreed to those terms. I was told they were having a problem with sending me the paperwork electronically. 

I thought something was strange when an extra payment was taken out but thought maybe I made a mistake on when the first payment was made. When I received a message stating they were going to take another payment, I checked my account an realized they had already taken too much. I went to their website ( https : //www.bigpictureloans.com ) and was able to see the loan document ( attached ). They 're attempting to charge me {$6000.00} for an {$800.00} loan! I 'm a reasonable person and there is no way I would have agreed to that!
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt.
Consumer complaint received 2017-02-18
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (GA)

I applied for and received a installment loan amount from Big Picture Loans on XXXX in the amount of XXXX dollars. I can no longer afford the interest only payments. I found out the payments set up on my bank account are for interest only and do not at all go towards my loan principle. I have contacted my bank and put a stop payment service setup on my account so I do not have my pay check funds taken away for me. This is a monthly payment I can no longer afford and I see now they say I owe XXXX dollars. It seems every time I look at my balance w fees and interest it keeps rising. I did not realize when I took out the loan that the monthly payments would be only interest and not also applied toward the principle amount of the loan.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (IA)

I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver. 
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra. 
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NE)

I was in a 6 month lease and during the last month I let apartment manager know I had unexpected situation at work and could n't pay on the due date for the final month we came to a agreement I would try to have what I owe mid way tho the month after having no luck with finding employment I went back to talk to him he became angry and told me I was to get my stuff out that day witch I did so later down the road once I started to get back on my feet my credit report showed he was trying to collect a early termination fee of like XXXX when rent was only XXXX I refused to pay it being if I would n't have been kicked out in that manner I would have tried to pay my balance before the thrifty day but in this case he gave no chance which would have been the only real way they could claim I broke the contract
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Back in XXXX 2014, I filed a dispute due to inaccurate information on my credit history, in which had a negative effect on my credit history. XXXX XXXX, 2014 in response to my dispute, the credit reporting company ( Equifax ) agreed that these home addresses on my credit history were indeed incorrect and will be removed but said the public record on my credit history is mines and will not be removed. Strange because of XXXX the addresses they agreed to remove was the address of the property ( XXXX XXXX ) the same property that filed the public record ( judgement ). So Equifax, agreed that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Tx XXXX but saying I owe money to a property that Myself and Equifax both agreed the I never lived or had any business with XXXX XXXX therefore the Public Record ( Judgment ) on my credit history does not belong to me. And I would like to have this negative and incorrect information removed from my credit history and my credit score updated as soon as possible.
Consumer complaint received 2016-11-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

Called XXXX spoke with XXXX agents. " XXXX '' the supervisor in the dispute center refuse to assist me in removing XXXX inquires from my report I did not authorize or have knowledge of being reported. Refused to issue a case number for my dispute. Refused to remove inquiries. The call took place on XX/XX/2016 @ XXXX.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (GA)

Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (UT)

I did dispute all of the inquiries by mail and I called each credit bureau, but no one was willing to help me. I received XXXX response by mail from Equifax ( attached bellow ) and they will not help. I have tried multiple times to talk to each credit bureau and I get the same rude response and know one will connect me to a supervisor or anyone in the United States offices. Some of the representatives I talked to were very belligerent and knew of the issue from looking at my account, but they would basically tell me too bad. I am really frustrated about these inquiries because almost all of them I did not authorize and I have no idea how they got authorization to look at my credit. I am very concerned about this.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

My address on file with Equifax has a typo in the street name and I have submitted the requested documents that Equifax requires to update personal information. Equifax is stating it can take 30 days to update personal information. Currently no creditors are able to access my credit file with Equifax due to the typo in my personal information. I am unable to resolve this issue with Equifax and I would like the CFPB to assist.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK (NY)

The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear MACYS/CITIBANK, N.A. ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX and XX/XX/XXXX ; 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (OH)

I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. 
This is vital information that is important to know. This information should be on statements.
Consumer complaint received 2022-10-01
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. (NC)

XXXX XXXX Account XXXX DPT EDXXXX ACCOUNT XXXX Account XXXX ACCOUNT XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. 
My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. 
The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. 
The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. 
There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. 
Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? 
Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.
Consumer complaint received 2016-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OR)

First, let me begin by saying we are half the issue here. There is accountability that we must own and we are willing to own. My husband pays our mortgage each and every month. Unfortunately, he pays each month late and willing to pay a late charge each month. We just learned that when we submit payment online by paying " Next Payment Amount '' that that total does not include the monthly late fee. Instead the late fees have been rolling over for several months. We now owe a large bill for late fees which appear on the monthly statement as " Total Charges ''. Based on what Seterus ' website indicates, it is fair to assume the amount needed would have included that month 's late fees. When talking with Seterus they are armed and ready to battle this complaint. They acknowledged that their website does not match their monthly statements. They explain it as a minimum due yet the website, when making a payment, does not indicate other charges or a past due amount or that there are other fees to reconcile. They are also quick to point out that they are not obligated in ensuring the information portrayed on the payment screen of their website matches their monthly statement. Their customer service is appalling. They are too preoccupied in stating their stance, extremely argumentative, condenscending and do n't listen to the customer they service. In fact, when I stated " ... this was the worst customer service I have ever experienced '', the response I received was, " ... that this was not customer service ... it is debt management. '' I have had bad customer service experiences before but this was just absolutely horrible/horrific! They are not solution oriented. When I asked for a solution, stated I feel mislead, and questioned why a company would let late charges keep rolling over month after month, their solution was to waive 18 % ... then because I was not willing to pay on the spot, implied to me that they suspect that we do n't have the funds to pay anyway and that the waiver was only good when paying on time. There are several lessons here for my husband and I, but we ensure or mortgage is current each and every month. There is no need to place judgement on us. Nor should they attempt aggressive predatory collection practices for {$1100.00} that we have little to no understanding of what these charges consist of to date. I would have appreciated a company who could have understood our plight and provided us a more accountable solution for both them and us. Their website should indicate the same information as their monthly statement or at the very minimum call the attention to us that there are these outstanding charges. It 's pretty clear we want to pay our monthly bill and that we were n't getting these charges were/are rolling over. We thought we had paid these charges each month when submitting payment of our monthly mortgage.
Consumer complaint received 2015-08-20
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Excella Recovery Group (ID)

There is n't a category above that really reflects my problem. Received a call today from a XXXX XXXX at ERG ( XXXX ) He states that the has paperwork for me regarding a default loan with XXXX or XXXX XXXX. I advised him that I have NEVER spoken with either company, nor taken out ANY loan through either company. He tried to verify my identity by giving me an address I would have used, which was not my address. He hung up on me. He has been calling my family members and harrassing them also. How do I stop them from contact us? I have NEVER taken out a loan through either company and actually have no knowledge of either.
Consumer complaint received 2016-05-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (NY)

Hello, I have had a student loan open with Discover since XX/XX/XXXX. I have been making payments on this loan since I graduated from XXXX in XX/XX/XXXX. Unfortunately, I had a lapse in payments in the middle of last year because Discover was demanding that I pay more that I could afford. I called and set up a payment plan over the phone and have been making payments of {$250.00} for the past 9 months. 

That said, none of this information has been made available to me by Discover. I can not access any statements online, and Discover has kept no record of my payments there either. When I checked my credit report, I noticed that Discover has claimed that my monthly payment is far lower than it actually is. They claim that I am paying {$110.00} per month when I am in fact paying the aforementioned {$250.00}. This means that I have no idea how my amount owed has been affected, nor am I able to see the status of my loan. 

Please help! 

XXXX
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (PA)

Thus is my second complaint and still waiting for result from first. Since then Discover has made me more unhappy. Right after the first complaint was made discover made a change to my account which I understand they can do anytime, that change was increasing late fee from XXXX to XXXX. I honestly do n't care about this change because in the 3 years i ve had my credit history I never had a late fee. Thing is me and my wife opened this cc on the same day, me having the longer and better credit history. My wife surprisingly has the higher credit limit. Then the second insult Discover did is offered my wife 2 % cashback at grocery 's stores. Why these XXXX things are insulting is because my wife did n't get the late payment fee increase and I did n't get this bonus. Discover your commercial says we treat you the way you treat you. If that is what ya really stand by then please explain me why with the XXXX things listed above do I feel like I 'm a very high risk customer to you based on all your actions thus far? Discover you really want me to treat you like high risk also by locking up your card in a drawer and not use it
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MA)

Discover Credit Card Servicing has prevented me from accessing my account information online and everywhere else. I submitted a fraud claim after my card was compromised while I was hospitalized for a chronic illness and they have taken no action towards providing a proper resolution and crediting my account. I have reached out to the Executive office and continue contact with Discover agents who said that an investigation was being conducted. I received a letter in the mail stating that the investigation was concluded and that I was not liable for the fraudulent transactions, but to this date I have no access to my account information nor has my account being credited for the unauthorized charges. XXXX and XXXX from supervision has done a very poor job to follow up and address my concerns. XXXX continue to ask in my call how she can help me, after I explain the situation several times, but provided no response when I stated that I receive a letter stating that I was not liable for the transactions, she instead kept saying that she would note in my account the information I provided. The issues have been extended for almost three months. The balance in my account should be {$XXXX} if the investigation is conducted with propriety as I have not been in possession of my card. Discover has not sent a replacement card.
Consumer complaint received 2016-12-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (GA)

I was having financial difficulties due to job loss and the death of both parents 2 months apart. I ask Selene Fine for a modification on my mortgage because I had gotten behind 10 payments ( XXXX ). I attempted a trial modification but it was unsuccessful. I requested another modification but per Selene Finance HUD does not allow XXXX modifications within a 24 month time frame. I tried to explain to the customer service person XXXX, that I did not have the first modification. He proceeded to tell me that I did complete and in addition I had too much debt to ratio and even if they could have done another modification I would not be able to afford it because I do not have enough income