davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SUNTRUST BANKS, INC. (KY)

On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 )  you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have  reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MD)

On XXXX XXXX, 2022, I faxed Equifax my documents that they required to take fraudulent inquiries off of my consumer report. As of today, XXXX XXXX, 2022, they are still on my report, and impacting negatively, as well as hindering my ability to have a correct credit score.
Consumer complaint received 2020-06-13
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 Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Consumer complaint received 2022-08-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF NEW YORK MELLON CORPORATION, THE (IN)

In violation of the Fair Debt Collection Practices Act, Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX filed the attached Notice of Sheriff Sale XX/XX/2022, and caused the same to be served on my wife and I, who hold a deed to the property with stating the Judgment to be satisfied, in violation of the FDCPA. Upon receiving notice of the sheriff 's sale, I immediately contacted XXXX, XXXX XXXX, XXXX and spoke to an employee that identified herself as : XXXX. I explained the Notice XXXX XXXX XXXX did not list the XXXX to be satisfied. She stated she would have that amount emailed to me that day or at the latest the next day, Friday XX/XX/2022. It was never emailed. This violates the FDCPA. Further, for years the mortgage holder servicer ; XXXX XXXX XXXX XXXX, XXXX MORTGAGE SERVICING ; and the mortgage holder : THE BANK OF NEW YORK MELLON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX, ASSET-BACKED CERTIFICATE, SERIES XXXX, has repeatedly failed to comply with federal after we have received written authorization from their client and he also gave verbal authorization to the servicer who gave us a quit claim deed to stand in his shoes to pay off his mortgage so we can clear the stain on the title. 15 U.S. Code 1639g, states : - Requests for payoff amounts of home loan. A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than XXXX business days, after the receipt of a written request for such balance from or on behalf of the borrower. In fact the attorneys for the Bank XXXX New York and its servicer, XXXX, Attorney XXXX XXXX, XXXX XXXX XXXX and Attorney XXXX XXXX, have mislead courts on a material factual matter, to wit : they in fact had the required authorization to provide a payoff letter, whether for use in an assumption or for the Plaintiff to get an outside loan, and made a material misstatement of fact that they could not provide a pay off letter. This violates federal law as shown above.
Consumer complaint received 2022-07-04
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. (MI)

My account for XXXX XXXX was closed XXXX of XXXX  an account was opened by XXXX XXXX, without notification, my signature, my knowledge or permission. 

Closing and account affects my credit score, along with opening another account. 

I had not used XXXXXXXX  one time since my original account, which was automatically closed after a year without use. I understand and am okay with that on my report. 
What I am not okay with is XXXX opening a brand new account on my credit when I had not once agreed to any of this, this is fraud, this is illegal in fact. They opened a brand new credit account without my knowledge and are affecting my financial situations. 
I received a letter from XXXX XXXX saying they reached an agreement with a new company and this is standard. This is not standard protocol to just open accounts under peoples social security numbers at will.
Consumer complaint received 2022-05-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX, XXXX  XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-25
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)

In accordance with the Fair Credit Reporting Act, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

When I obtained a mortgage with Bank of America many years ago, I was told that I had to accept a credit card with it. I used that credit card on occasion but stopped using it a few years ago with about {$10000.00} on it. Sometime after that I received a letter that Bank of America was cancelling the card. I have been paying the balance off regularly over the past few years and now there is less than {$2000.00} on it. I always pay more than the minimum balance, how much more depends on other bills each month. I usually pay well before the due date on the bill, which is the XXXX of the month. In XXXX, 2021 I paid the bill due XX/XX/XXXX on XX/XX/XXXX. Then I paid the bill due XX/XX/XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they had not received a payment for XXXX. I called and explained that I had paid the XXXX payment on XX/XX/XXXX and was told that any payment received before the XXXX of the month was credited to that month and not the upcoming month. So I asked them to apply the payment they received on XX/XX/XXXX to the XXXX month, to remove the late payment fee, and to make sure that my account reflected that the payment was made on time. I was told they could not do that. Evidently they considered the problem to be my fault for sending the payment too early. I was told that the billing period of XX/XX/XXXX-XX/XX/XXXX was printed on the bill. It is, but it is not identified as the billing period, and nothing is there to indicate that paying before XX/XX/XXXX will cause this issue. There is a late payment warning and a total minimum payment warning, but no early payment warning. The only way they could rectify the problem was to refund that payment and then I could resubmit it. If that is really the case, then whoever set up their system either was supremely stupid, or did it on purpose to maximize fee collection. I was given no assurance that they would make it clear on my record that the payment was not late, even though I asked for it several times. 

The annual interest rate that I am paying on this balance is 31.42 %, for reasons that I do not understand. I have been paying on this bill regularly for years, but when I asked that the interest rate be reduced I was told that it could not be, because the card had been cancelled. Bank of America cancelled the card, without warning to me, with the interest rate set at usurious. Is this even legal?
Consumer complaint received 2022-10-06
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. (PA)

XXXX XXXX XXXX Account # XXXX is reporting inaccurate payment history to the following credit bureaus XXXX and Equifax XXXX I have attached copies of my credit report from the two bureaus and highlighted the inaccuracy.
Consumer complaint received 2018-08-29
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. (AZ)

The following First Access Visa credit card account/Card : XXXX through the XXXX XXXX XXXX is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NC)

I have an outstanding debt with a previous rental company XXXX XXXX XXXX. Upon eviction there was no initial walk through performed by this company. Eviction was XX/XX/2017 and it was requested that I leave the key in the mailbox. After 30 days ( XX/XX/2017 ) I received a letter ( via email ) from XXXX, stating charges from XX/XX/2017. I had been away from the home for 21 days. I have no idea what may have happened to the property in that time frame. I did not receive any notices from the Collections Agency, Capital Accounts, so that I can request proof of debt or dispute the validity. According to my credit report this account with the collections agency was started on XX/XX/2017. I am not disputing the delinquent rent due, however I do not have the appropriate documentation for the additional charges. I have requested detailed invoicing for the additional {$2600.00} in trash removal, paint, drywall, and blinds from the original creditor XXXX and Capital Accounts. I have not received this information from either entity. I have requested in writing and via email. Capital Accounts, prior to my reaching out to them, had made no attempt to contact me in regards to this balance. And since my contacting them to request detailed invoice information I have only received one email. The balance since it has been with this company has also been apparently accruing interest, thus increasing the balance. I have disputed this through the credit reporting agencies and still have not received the requested information. One address listed on my credit report was incorrect and my certified letter was returned. My true balance due is {$1300.00}.
Consumer complaint received 2022-08-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-21
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. (LA)

I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXXXXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2022-05-14
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. (MD)

In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I got an eviction notice because I am three months  late on my rent. {$5100.00} was due by XX/XX/XXXX or I was out on the street. 

Panicked I went to a title loan company and took out a loan with 300 % interest to pay the rent. The loan was for {$3500.00}. I also borrowed {$2000.00} from a friend to cover the rent check. When I deposited the check I was told I could have {$200.00} from the deposited check the next day but the rest would not be available until XX/XX/XXXX. the landlords check will bounce if the {$3500.00} does not clear. 
In addition I am paying {$35.00} a day in interest fees while WF holds on to my money. 
That is {$35.00} a day x 10 days and another {$350.00} owed to the title company. 
I will be evicted by early next week and I am about to lose my car due to WF 's predatory actions.
Consumer complaint received 2020-06-13
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)

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the Equifax data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I worked with Caliber Home Loans for a consolidation mortgage for XXXX homes. I am also XXXX XXXX 

Because of the XXXX XXXX I did not qualify for the mortgage. The mortgage broker suggested that I take out a payment of {$3500.00} per month from my XXXX to qualify. It was a ruse to trick the government. I still have to pay a penalty to do this as I am under XXXX XXXX. 
The company suggested that once I qualified I could cancel the payment. They required all kinds of documentation and then at the very last moment we were denied based on the XXXX XXXX early withdrawal fee that I would have to pay. 

I would have never done this without the company suggesting that I do it. It was unethical and very shady. 

I am also a XXXXXXXX  borrower and I do suspect discrimination, but I can not prove it. 

Do not work with this company.
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Dear, As veteran and XXXX person on fix income and Small business owner and trying to survive Im very disappointed with Citibank, on XXXX XXXX, I made cash Teller deposit to my business account and wrote check from It and deposit it in my personal checking and the fund were removed from the business account and two days later the check was returned NSF so I called small business Citibank and it discovered It was an error credit the fee {$35.00} and transfer the fund back to my checking account and apologized for the it but Citibank the charged additional fee {$12.00} for returned check but they didnt credit It even though the teller made the error and she was the one took the fund from the account and to other I made cash deposit write check from It and deposit to my personal check and everything was authenticate but It seems Citibank violating the FDICs guidelines and It is fraudulent and unethical imaging what they are doing to others consumers and they have to apologize for waisting my time. Citibank withdraws the fund from saving account and transfer It to personal checking.
Consumer complaint received 2018-08-29
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)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit. XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), Unknown Name ( Equifax : XXXX ), XXXX   XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX   XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XX : XXXX : 5X XXXX : XXXX ), XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX ).
Consumer complaint received 2018-08-29
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. (OH)

I have previously sent my Identity Theft Report to Equifax on XX/XX/2018 to block fraudulent accounts and inquiries reporting on my consumer file. Equifax has ignored my previous disputes and have I have requested the help of the CFPB to make sure Equifax complies with Federal Law. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my XXXX credit report.