davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MA)

I got a mail advertising a small amount of cash as a loan, I needed the money to pay my rent as my husband was not working an I was falling behind on my rent. I contacted on XXXX XXXX, XXXX XXXX XXXX and they offered me as a {$1000.00} they asked me for my SSN/Work/Pay Chekcs/Cheking account. They informed me that I will pay back {$1200.00} ( XXXX principal + XXXX interest ), the payments will be deducted from my cheeking account every two weeks until the {$1200.00} is paid off. After making all my payments I received a text massage informing me that my next payment of {$270.00} is coming up soon on XXXX XXXX. I called the company to informed them that all my payments have been done and I do not owe them any money, they informed me that I owe them {$7300.00} / 44 payments until XXXX/XXXX/XXXX they informed me that I have been charged an interest of 553.1995 % APR. I informed them that this was never mentioned to me before when I request the loan by phone and I asked multiple times and they told me that I only owe {$250.00}.
Consumer complaint received 2016-06-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpha Recovery Corp (TX)

I have been paying on a XXXX Credit Card debt that went into collections since 2008. Initially my account was with XXXX XXXX XXXX. I made a balloon payment of {$1000.00} and paid {$150.00} per month for all these years. 

Recently my account was moved to Alpha Recovery Corp. and my payments of {$150.00} per month via my debit card continued. On XXXX XXXX approximately XXXX CST I answered my phone. A man on the other end asked, " Is this XXXX? '' I said, " Yes. '' The man then said, " What is your birth date? '' I replied, " Who is this? '' The man said, " I am not going to tell you until you give me your birth date. '' I said, " I am not going to give out my birth date to someone who wo n't even identify themselves. '' The man then said, " This is XXXX. '' I then recalled that I had spoken in the past to a man named XXXX with XXXX. I said, " Is this XXXX with XXXX? '' He replied, " No, I am with Alpha. '' I then said, " I remember you. We have spoken before. '' I then gave him my birth date. XXXX XXXX never disclosed he was calling to collect a debt. I had to guess and figure out who he was and why he was calling. 

XXXX XXXX with Alpha Recovery Corp informed me that my current payment arrangement had expired and I needed to pay the entire debt off now. I told him I was not able to do that and would need to continue the payments. I asked XXXX, " Who is XXXX? '' I asked him this because when the payments are taken out of my account my account shows the payments are going to a company named XXXX. XXXX XXXX told me his client was XXXX XXXX, which I know is not true. 

XXXX XXXX would not disclose how much I owed on the account nor would he provide a settlement amount. He did however keep insisting I use a credit card to charge a settlement amount to them. He threw out percentages, but never talked numbers. I have had this conversation with XXXX XXXX before and I informed him once again, that I was not going to charge an amount I would not be able to pay and get into financial trouble again. XXXX XXXX then said, " So you are refusing to pay? '' I explained to him I was not refusing to pay, but needed to continue a payment arrangement to which he just hung up on me. 

The next day, XXXX XXXX I called Alpha Recovery and requested that I be able to speak to someone other than XXXX XXXX about my account. I was put on hold and transferred to XXXX XXXX so I hung up. I also called Alpha 's complaint line and left a message, but never received a call back. I sent an email to their corporate office to no avail. 

After paying on the XXXX XXXX collections debt for nine years I think it is possible this debt is paid off! Yet, Alpha Recovery now has the debt and will not provide me with information nor have I been able to speak with someone who is reasonable and honest.
Consumer complaint received 2022-10-02
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. (IL)

XXXX XXXX XXXX # XXXX has violated my consumer rights. 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

My wide and I divorced in XXXX. As part of the settlement she was awarded our recently purchased home and XXXX rentals - and after my financial contribution, she was made responsible for the balances due on the mortgages. In late summer of XXXX I began receiving messages from the mortgage holders that payments were delinquent, and eventually I received phone calls from them. I explained the divorce and that the responsibility for payment belonged to her. I then contacted my attorney who, through her attorney, threatened to file contempt charges if she did not keep payments current. When calls from the mortgage company continued, I emailed my ex-wife about the missed payments. She replied by email that she was doing it to ruin my credit score. ( Her sister told me that she had told her the same thing ). I forwarded her email to her attorney who must have convinced her it was a bad idea, because she began making on-time payments. I also informed the mortgage companies of the email statement and was told they had documented it in the mortgage file. 
I recently was told that my credit score had dropped significantly, so this morning, I requested copies of my free annual reports from the website. Although I thought I had selected to see reports from all XXXX credit reporting agencies, the only XXXX I was able to access was the XXXX from Equifax ( which does show late payment on the mortgage account mentioned previously ). I tried to request the XXXX and XXXX reports a second time, but received a bounce telling me to come back in 12 months. I can not find a way to access the requested reports from XXXX and XXXX but since I have not done so, it seems they would still be accessible to me. 
Please provide instructions on how to access the credit reports from XXXX and XXXX 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2015-07-16
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EOS Holdings, Inc. (IL)

Calling at XXXX. Trying collect debt that was charged off since 2009. I have been unemployed for 9 years. And having a hard time finding a job. If did have a job. I would definitely pay my bills. And they did n't read me fdca act until later in the conversation.
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This is a complaint against Equifax/XXXX. This that I am writing is evidence that I am correct and Equifax wants to keep reporting incorrect information in my credit report, simply because according to them it is the regulations that they follow, I do n't understand these laws that they follow and the regulations that they follow because this account that I am disputing of XXXX XXXX that is being reporting in an incorrect manner in my credit file by Equifax. I has been many months that I have been disputing this account and this account that I am going to attach, received by mail, Equifax ignore whatever information and evidence I give them and violate the federal laws in protection of the consumer ( XXXX ) even though I give them all the evidence I can they still have n't deleted this account from my credit report. Today, XX/XX/XXXX, I had contact with the Department of Disputes in XXXX of Equifax , I told them all of this and about the account of XXXX XXXX and as well as XXXX. Overtime I have phone contact with them different stories to tell me to justify their unfair and all their fraud that they have caused on me, one of the executives told me that even thoughI have all the physical copies and evidence I can have that because I have multiple investigations open they ca n't close the case without having the proof from the banks, they do n't want to own up to their responsibilities or their job. The executive that I contacted in the morning that in XX/XX/XXXX the account of XXXX XXXX was deleted, but she says that because I have other accounts open even though I have given enough information and physical evidence they ca n't close those accounts, which seems to me as an absurd excuse to justify this unfair act that was caused upon me, because even though they have more evidence that I can give them and proof that other institutions also agree with me why would they keep going on with the lie that I am in the wrong and why would you treat me and my case like this? I have been very kind with them and all I get back is an unfair and absurd excuse to give me, they do n't care about my case and they just do what ever they want with it without following the federal laws. Exactly the same with the account of XXXX, at this point I think it is personal that they do n't want to delete my account because there is no other explanation.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. 

The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. 

This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MN)

I filed a chapter XXXX bankruptcy XX/XX/XXXX. It should 've been removed XX/XX/XXXX with Equifax credit reporting agency. But it has not. The chapter XXXX bankruptcy has been removed from XXXX and XXXX reporting agency. I contacted Equifax to have it removed they told me it stays on 10 years there because they are not state regulated but federal. I want this off of my report immediately. I want to file formal complaint with CFPB
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax is reporting a public record judgment on my credit report which is in error. 
I sent a copy of court records, which the court clearly states that the judgment is in error. 
Instead of removing the judgment from my report, Equifax changes the status to " paid and released ''. I suspect they did not even read my letter nor read the case documents which I included. What kind of 'investigation ' did Equifax conduct, and how and to whom did they conduct this? They claim to have investigated this with the XXXX XXXX Courthouse, which does not maintain the records on this case anymore. This public record, is preventing me from purchasing a home, and causing great distress.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

All XXXX major credit reporting agencies are allowed to DOWNGRADE a consumer 's FICO credit score -- an important measurement when seeking a mortgage -- EVERY TIME A LENDER/RETAILER requests a report, regardless of whether credit was requested or granted. For example, all credit card companies intermittently pull a customer 's credit report as well as routinely doing so upon the account 's renewal date. Further, when shopping lenders to determine their current interest rates a credit report is ALWAYS viewed before any information is revealed to the inquirer. My credit score was DOWNGRADED from XXXX to XXXX during a recent search for lender terms because of this scurrilous practice allowed by all XXXX credit reporting agencies. Any complaint about this practice to all XXXX agencies was met with a bureaucratic nightmare resulting in no real answer. There is no reasonable explanation for such creditworthiness DAMAGE based on NOTHING MORE than a unchallenged COMMON PRACTICE. It is time that this practice to be corrected in favor of the consumer. In fact, to provide documentation to attach to this form will result in YET ANOTHER REDUCTION in my FICO CREDITWORTHINESS score. Do you see what I mean?
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I am writing to dispute the following information. An error was submitted by XXXX XXXX on my credit report. XXXX XXXX reported the sale of property as a Foreclosure which is was definitely not. It was a Agreed Settlement ( account paid in full for less than full balance ) to prevent/avoid foreclosure.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I checked my credit report with XXXX and noticed that Equifax has put an account back on my credit file that was removed on XX/XX/XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a guy by the name of XXXX and was told he ca n't help me because I need to submit an ID. I explained that he already has my ID on file he hung up on me. Called back and got XXXX basically she was willing to help until she read the message that the previous gentlemen wrote on my account. Their customer service is horrible and that 's why they 're getting sued. Basically, XXXX downplayed the CFPB website stating that they 're a 3rd party and their not valid when I told her I 'll upload my ID to their website. My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting XXXX Acct # XXXX on my credit file and they should n't. After their investigation, they responded to the CFPB that it was removed. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I am working with my servicer to get a loan modification. I fill out the forms that they require and send them to the address listed on the form. I send the documents priority mail with tracking from the post office to ensure receipt. 

I follow up with a phone call and get told that they do n't have them. Then I receive the documents returned as undeliverable with a forwarding stamp which is expired. 

The documents clearly state send to " Seterus Inc. XXXX XXXX XXXX, XXXX XXXX, MI XXXX '' I have included a screen shot dated and time stamped Wed XXXX XXXX, XXXX. The Seterus Rep said, " Oh we have n't used that address for months. '' as if I was a nincompoop for using this. And when I pointed out that this was the information that was currently on their website she seemed completely unconcerned with the misinformation and the potential consequences. and, of course, " Well your loan documents are now expired you have to start over. ''
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.
Consumer complaint received 2017-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

I deposited  XXXX  into my account and did a couple of transfers which i am allo wed 6  transfers with money market account and unlimited with checking so i had an external account linked with my checking account and i made a transfer from discover bank to  XXXX   XXXX   XXXX   and discover stopped my transfer in the amount of  XXXX  and asked me why did i transfer it after i deposited the funds in their bank, i told them i 'm allowed to transfer my money anywhere i like so they then said they are closing my account and the transfer was completed but they still managed to stop it then they said the funds were fraud and t hat 3 banks w ere asking for the funds back which is not true bacause the banks they named i do n't even bank with period.The funds came from  one ba nk only and when i asked why are they accusing me because i made a transfer they said i can not have my funds and it was being closed for fraud, my bank tried to recover the funds and wa s denied.My fund s are still at discover and i want them.They also said send in proof of identity and i did still they are keeping my money while it is gaining interest .They kept telling lies saying   XXXX   XXXX  ,  XXXX , and  XXXX  were asking the funds back, they came from  XXXX  and they should have sent it back to them but they wo n't they said for me to tell  XXXX  to do an indem but if the bank was asking for the funds back due to fraud why would n't they give them to the bank, it 's because that is not true and they are trying to keep my money it 's been since  XXXX  the  XXXX  that they have had my funds and i am still able to check it but not able to get the funds because the account is froze and suppose to b e closed.This disc over bank lies and gains money off of customers money.I did not do any fraud and i need my funds.Their customer service make false statements and are very rude.They also get angry when you transfer your money out.