davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-19
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. (OH)

In XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XXXX of XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is a fraudulent account reporting on my credit report. This account was already removed from my XXXX report because it is proven to be fraudulent. I have submitted a complaint with the FTC in in regards to the XXXX account on my report. Please remove this fraudulent account from my report. Thank you so much for your help during these troubling times.
Consumer complaint received 2022-08-07
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. (AZ)

Equifax admittedly sent out millions of incorrect credit scores for consumers. I was a part of this. 
Equifax assumed a vital role in assembling and evaluating my credit and other information. They assumed this role and did not have permission or my consent. Also, there is a need to ensure that CONSUMER REPORTING AGENCIES ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and respect for the consumer ( me ) rights to privacy. 
Equifax gave false scores which made me have a higher payment and interest rate. Equifax did not exercise its grave responsibility. They were unfair, and impartial, and did not respect my rights to privacy.
Consumer complaint received 2021-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

I totaled my car and my insurance company sent payment for value of the car directly to Wells Fargo. They then informed me I still have a {$5200.00} account balance and the next payment of {$570.00} was to be paid immediately. I explained to the rep that I couldnt make that amount and asked them if we could break up the payments for a longer term and they refused. I explained that my income has gone down over $ XXXX from the prior year and they still refused to work with me. They have now applied a late payment fee to my credit report.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Dear whom it may concern, I opened XXXX XXXX American Express Card on XX/XX/2018 through a link which offers 100,000 XXXX XXXX Bonus points after spending {$1000.00} within the first 3 months. 
After spending required amount, I realized that I didn't receive the points, so I contacted to American Express to figure out. 
I had a conversation with a representative through a chat on their website, and I was told that the promotion was not on my account. ( It was around XX/XX/2018 ) They told me that the promotion is not on my account but they will open an investigation since I could be eligible to receive that bonus, because I applied through a link which clearly says the promotion and I never had the XXXX XXXX Card before. 
It has been more than a year after submitting that request, but I didn't receive the bonus and I didn't hear back from them. 
Thus, I want to submit a complaint via CFPB. 

Thank you,
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (NH)

On XX/XX/XXXX I called Source Receivables regarding a paid collection account I had with XXXX. I spoke to a woman who would not tell me when this report would be removed from my credit report. She said it never comes off it just keeps updating. She said she was not a credit expert and had no knowledge of how or when this report would be removed from my credit report. She told me if I had paid it to begin with I would not be in this situation. I told her I thought collection reports fall off your credit report 7 years from the date of first delinquency with original creditor. She said she was not a credit expert and reiterated that it would just keep updating. I asked for her name and she said XXXX. I asked her to spell it and she said I should know how to spell it. I asked for her last name and she refused to give it to me. I asked for her managers name and she said XXXX XXXX. I asked to speak to XXXX XXXX and she said he was not available, however she put me on hold to have him unlock my account so she could view the details. All I want to know is when does this come off my report and who is responsible for making it do so. She was extremely rude and would not give me any information about an account I paid in full in XX/XX/XXXX.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I rented an apartment from the XXXX XXXX XXXX XXXX in a buy out lease. I moved out early after providing written notice on XX/XX/XXXX. I provided my forwarding address via phone to XXXX on XX/XX/XXXX. I also checked their website for a bill on XX/XX/XXXX and XXXX it was not there. They had 30 days to bill me for move out and it was never provided. I never got a letter in the mail or a phone call. They never billed me in the lawful time frame but they put the debt on my credit. This negatively impacting my credit.
Consumer complaint received 2019-03-23
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. (CA)

I have 4 hard inquiries on my Equifax credit report called XXXX/XXXX. I never had a relation with this lender and don't have any accounts with them. I submitted a dispute with Equifax in order to have them investigate the information based on the fact that it doesn't belong to me but Equifax refused to do their job and basically cancelled my dispute. My dispute number is XXXX and I filed my dispute on XX/XX/2019.
Consumer complaint received 2019-10-22
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)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2018 - 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. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-12-19
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. (GA)

I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

I wanted to summarize my unfortunate situation where Amex refused to honor one of their Amex credit card products welcome offer when the online application successfully went through with offer confirmation from Amex representative at time of application. On top of that, I also received solicited application offer for the same card that was mailed to my physical home addressed to me from Amex at time of application. Since then, I met all requirements by now and only then Amex is telling me that they will not honor the offer. Spoke to multiple Amex reps since the complaint where they claimed investigation was done and that decision is final that they would not honor it without valid and detailed explanations despite their mistake and misinformation during my application and failure to explain why only now months later am I told I dont qualify for it. They went through the recorded phone calls and confirmed/admitted the mistake made by Amex rep and said that they will improve their coaching in future. Amex did not show any remorse and did nothing else to compensate for the mistake they caused that significantly impacted my situation. I was denied a subsequent request for further investigation and escalation. I do believe I have my consumer right for a fair and thorough investigation.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

in the past few months i've relentessly be in contact with all three major credit bureaus in regards to identity theft and fraudulent actions that have occured since my identity was recently compromised. Since after submitting supporting documentation in following up with my claim, Experian continues to report late payments from XXXX XXXX XXXX, a fraud related account that the creditor has closed due to it beining opened without my consent. In additon I have submitted correspondence from XXXX, XXXX and lXXXX XXXX XXXX XXXX that they have agreed to close out these accounts due to identity theft but these continue to remain on my credit report as inaccurate or wrong information. This clearly violates FCRA reporting guidelines and my right as a consumer and victim of idenity theft.
Consumer complaint received 2019-03-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

I recently requested my credit files from all three credit reporting agencies. Once, received I notice a account on my credit from Ad Astra Recovery Services ( Collection Agency ) which had been from XXXX XXXX XXXX. The account showed was reported by all three credit agencies. I submitted a dispute with all three agencies, and the investigation from collections agency response was information verified. The collection agency did not give any accurate data concerning the accounts. The acct # XXXX also is reporting inaccurate opening dates on the account. with XXXX  shows opening date as XXXX18, XXXX XXXX reflected XXXX18. I submitted a dispute with also XXXX  a three reporting the negative account. A investigation was conducted, after the completion of the investigation. I requested debt verification of account information. Which, would verify when account was opened, and amount owed, and signature could be verified. At the time of this account open, I have never have had a nt with XXXX XXXX, and I am not aware of any account with this company. Ive contacted the Collection agency  Ad Astra Recovery Services. And I am attempting to get this issue resolved. By the collection agency providing account information of owner ship of the account. Which they will not provide in response to dispute of accurate information. The account is inaccurate, and negative, and derogatory information on my credit file.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (OH)

At the end of the lease I was charged for two instances of excess wear, one for {$75.00} and one for {$85.00}. Both of these should have been covered under the lease insurance that I had through GM Financial that covered four instances of {$1000.00}. I have contacted GM Financial four times explaining this, they tell me they are going to open a claim, I call back later and they act like I have never called them before. Originally it was showing on my credit as a late payment. I disputed it through XXXX and it was shown as a charge off. I disputed that and now it's saying three months of charge off and the rest is a late payment.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I have called Navient several times in the last 10 years about my student loans. I told them I was having trouble paying the monthly installments and I was told that forbearance was my only option. This has been my only option each time I have called. Around XX/XX/XXXX, I was young enough to foolishly accept forbearance on my loans not realizing what it actually meant. Two years ago in the fall of XX/XX/XXXX I called again to attempt to lower my monthly payments and I was again told forbearance was my only option. I told them I would not be going into forbearance and that I just needed a lower monthly payment in order to actually survive and create some sort of savings. I was then told again that forbearance was my only option and if I didnt want that I should have my co-signers pay. I told them that my mother is not responsible for my student debt, and they then told me my father should pay. I told them my dad died in XX/XX/XXXX, and we had sent them a death certificate, the person on the phone then argued with me about my dads death ( I had to remind him numerous times about him having passed away, and each time I was told to have him pay, or go into forbearance ). 

There have been numerous times I have asked for my mom to be released as my co-signer and each time I have been denied. There have been many occasions where my mom gets my monthly statement and I do not, and they will also call her and not me when trying to collect debt, which sometimes isnt even due for a few more weeks. This happens frequently despite both my mother and I telling them they should be calling me as it is my debt. 

The amount they have been asking per month has been substantial and inflexible which has caused me to barely get by each month financially. Evidence can be found in their phone recordings as well as loan statements when I had entered forbearance after being told it was my only option.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I disputed an account reported by XXXX XXXX Bank in the file TransUnion maintains under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. 

I hereby demand that they immediately delete the item from my credit report in order to avoid legal action. 

They need to govern themselves accordingly.
Consumer complaint received 2022-08-07
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. (GA)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-13
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. (MI)

XXXX XXXX XXXX XXXX XXXX {$1700.00} 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 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX ) XXXX XXXX FIN XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (GA)

I opened an account with Axos Bank and transferred {$10000.00} into the account. I immediately realized their online interface was not functional -- simple things like Bill Pay did not work. I immediately decided to transfer the funds back out and close the account. I submitted the paperwork for a wire transfer on XXXX XXXX, 2022. Multiple messages and phone calls with Axos followed as they nitpicked the transfer, asking for a wet signature and for me to remove my title of " Owner. '' Then, they sent me an email stating my account had been closed and the transfer declined, and refusing any further explanation. I contacted XXXX, the bank I had requested the transfer be sent to. XXXX said there was no trace of a transfer being initiated. I have since called Axos dozens of times and been given no answer as to if/when my money will be transfer. One agent told me that the transfer had been sent back to the bank account where I had initially drawn the funds to open my Axos account. I did not put this bank on the request form, so if this happened it is a major breach of security. I called this bank ( XXXX XXXX XXXX ) and they had no record of a transfer being sent to them. I keep calling and emailing Axos and I am continually rerouted to other agents and told someone will call me back. No one does. At this point they've effectively stolen XXXX  from me.
Consumer complaint received 2020-05-04
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to deleted from my credit report.