davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-22
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. (WA)

Equifax is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Equifax has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Equifax is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Equifax must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (ME)

My account was locked. I sent in 5 documents that were o. The septuple list but they were not allowed by the company so I close to my account weighted the 10 to 14 business days called them as I still had not received a check and they advised me that they did not close my account I have been waiting more than 5 weeks to get my money from Netspend. They are completely unprofessional and do not help when I ask to speak to a manager.
Consumer complaint received 2020-08-26
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. (NY)

While I have been going back and forth with all the banks, credit people and all, it started about 2017 less then a year after my XXXX brother died. Once he died some how his ssn ended up on credit report along with all his debts followed by every account of mine is closed, no bank will accept me nor credit card. I have no debit but some how have incurred about 100 inquires that I can account for some but maybe 12 and it continues to get worse. I am unable to verify my identity online, lost a job because I couldn't accept direct deposit. I'm on the brinks, then to top it off I'm ready to loose it. Please help me. I have contacted everyone.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (PA)

I asked for one payment to be pushed to the end of my loan so Flagship Credit Acceptance LLC would stop calling my phone 5-6 times a day and my work 1-2 a day. I am always paying in the month in which I am due. Except once when I was a few days behind. Then I found out they were charging me a {$10.00} a day per diem, I feel like that is predatory lending. I pay my car note bi-weekly and I have my bank statements to back that up. I am being charge a {$40.00} late fee all of a sudden because I am paying bi-weekly even though I have been paying bi-weekly since the life of the loan. I have told Flagship since XX/XX/2020 I have impacted by covid-19 and my pay has been drastically reduced. 

Flagship told me NOT to email them because they received too many emails and they were overwhelmed. Then I thought to myself a couple months later I better email them so I have documented proof, so I did. I asked to put a payment on the end of my loan, they made me listen to a recording. then they said it has to be approved by their management and I have never heard another word about it. 

I am trying my best and I am not even a month behind. They harass me daily with excess calls to my personal phone and work and their fees are corrupt. I need help to get out of this loan and transfer to another servicer. I can not believe that XXXX XXXX would deal with a company like this.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (VA)

I have a credit card with Barclay. I had auto-payments set up through Barclay to pay the regular minimum. Between billing periods ( I believe XX/XX/XXXX ) l made payments on the card, but for less than the minimum due. On the payment due date, Barclay still drafted for the original minimum, which did not reflect my additional payments. There were insufficient funds to cover the auto-payment. To make matters worse, the online payment system did not reflect that the payment was not made and updated to show the next billing cycle 's minimum payment. Also, I received no notification of the missed payment until I received a 30-day late notification from my credit monitoring service. I immediately paid the amount in arrearsthe minimum due, not the amount that Barclay attempted to draft. I attempted to address the matter with Barclay directly to no avail.
Consumer complaint received 2020-08-26
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. (TX)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-09-02
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. (FL)

TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$4400.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$730.00} Closed XXXX XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3300.00} Needs Attention XXXX XXXX : XX/XX/XXXX +  {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-02
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: Nelnet, Inc. (AZ)

Account ending in XXXX is reporting reporting twice on my report. This old account was closed and transferred to a new and good standing account. 
Please delete incorrect account that shows and it is reporting only on XX/XX/XXXX.
Consumer complaint received 2020-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO. (FL)

I went to XXXX to purchase a vehicle with 0 % interest and then purchased a 2nd vehicle for the same 0 % interest as well and then it was changed not to my knowledge to 7 % interest. I have contacted the company several times and they stated that what was on the contract and now refuse to give me documentation with my signature.
Consumer complaint received 2020-08-26
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)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are not mine. Please remove these items from my report. XXXX XXXX {$2500.00} XXXX XXXX XXXX {$580.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-09-02
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: EOS Holdings, Inc. (VA)

I Spoke to this company twice last month just to have them disrespect FCRA, CFPB and Metro 2 reporting Standard altogether this company does not even have my current correct last name on file ( Inaccuracy ) however they want to act as if this alleged paid collection is reporting accurately EOS CCA has been told to remove this debt multiple times but it does not budge it is very inaccurate and the fact that when i paid the alleged collection account under Threat duress and coercion it ( was on my credit report bringing my score down ruining my quality of life. ) They told me that they would remove it from my credit report upon payment but obviously didn't. It reports paid but the payment status says collection or charge off I disputed this account as recent as last month requesting the Date of first major delinquency no response and look at the Status date on experian and transunion INCONSISTENT 2018 showing proof EOS CCA did not notify BOTH the Credit Bureaus of my disputes or the Credit bureaus did not look into investigating my disputes. IT has 3 dates of last activity on each bureau showing proof of reageing the erroneous account WHERE IS THE CONSISTENCY
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CO)

This is my second complaint against Macy 's refer below Consumer Financial Protection Bureau Case # XXXX I received the reply and called the number asking to talk to the person who wrote to me. 

I called the number and multiple times, a nice sounding gentleman assured me he would make sure she called me back. And that they take these matters seriously! 

In the reply from Macy 's I was told that I would have seen the following information when this happened as follows ; - " I apologize if it was not made clear that you were indeed opening a new Macys XXXX XXXX credit card account. Our research shows the account ending in XXXX was opened on XX/XX/2020. In order to apply for a Macys credit card account, you have to give a form of identification ( generally a drivers license ) to the sales associate. The associate would have used the identification to enter your name and address into the application. You would then be presented with a screen that reads, You will be considered for both the Macys XXXX XXXX Card and the Macys Credit Card. If approved for both, you will be able to select which card you would like. You would have been prompted to enter your date of birth, Social Security number, telephone number, and income and housing expense information on the signature pad. You were then presented with all the entered information and asked to validate that it was correct. Finally, you would have been presented with a screen asking for your signature. Above the signature line, it reads, Thank you for applying. '' As I wrote the first time, the associate tricked me into giving him my details saying my Macy 's card was expired. A total lie, and as I was keeping my distance due to Covid he told me he would press the keypad to key in my social security number. I never saw any messages regarding a Macy 's XXXX XXXX Card, the associate intentionally avoided using that wording so I would believe all I was doing was re-activating my Macy 's card. 

I feel violated by the whole experience, and while there were nice words on how sorry they were, Macy 's did nothing and did not follow up on their promise to cancel my card and remove the credit check so my credit was affected by this as well. I called 6 times two times spoke to a gentleman who assured me I would get a call back, and the other times left voicemail messages. 

Regards, XXXX XXXX
Consumer complaint received 2020-01-22
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. (VA)

On XX/XX/XXXX I disputed two accounts with TransUnion that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have 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 5 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 your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MD)

I recently refinanced an existing mortgage that was sold to XXXX XXXX. XXXX XXXX then placed this loan with the servicer, Arvest Central Mortgage. Arvest charges {$5.00} for each payment  voluntarily made electronically online and {$10.00} over the phone by the customer in order to push customers to sign up for automatic debits from their checking account. This is quite high and unusual in my experience and different from what I had previously seen from other mortgage servicers ( XXXX XXXX, XXXX XXXX ). I don't understand why I should have to pay for such costs when I have no control over who my loan has been sold to and who services the loan. These were not disclosed to me at the time my loan was sold to XXXX XXXX. 

In any event, I signed up for automatic debit from my checking account. The first payment was due XX/XX/2020. I repeatedly checked for the payment throughout the day. It did not show any status update in their system. This morning, I checked my checking account and found that Arvest had debited my account twice - that is, they made the first two mortgage payments ( the second of which is not due for another month ). I received no notice of this nor authorized this second payment. 

I have contacted the company. However, in my many years of having dealt with other mortgage servicers, I have never seen a financial institution fail to have a system in place that could let you know the status of the loan, the status of the current payment and notice of what they intended to pay. Given I have no control over the automatic debits, I am now at their mercy to get this right. While I was able to cover the additional cost this time, I consider this abusive. Moreover, I imagine this could lead to significant overdraws or non-payment and fees from anyone that does not carry a significant cash balance in their checking account. From the comments I've read online on Arvest, this seems to be a consistent problem and hope that the CFPB will look into it.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MS)

As of today 's date I have never received a bill from XXXX other than from one collection agency to another I have contacted their office and never got a bill from {$1100.00} to now i received a bill from Nation Wide Credit for another amount in the amount of {$330.00} no one can pay a collection when they never received the actual bill from the company this is absolutely ridiculous to any consumer to have different collection agencies wanting money from one Debt and each time it's a completely different amount and the consumer has never gotten a bill for this amount. It is robbing the consumer because you hold the pen to ruin them financially and credit wise.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Account is incorrectly being reported to my credit report. There are several discrepancies that are being reported to each bureau : 1 ) Payment status : Equifax and XXXX  reporting 120 days past due and XXXX  showing Account transfered. 
2 ) Blance : Equifax and XXXX  shows {$0.00} and XXXX  is N/A 3 ) Last updated : Equifax is XX/XX/XXXX and XXXX  and XXXX  shows XX/XX/XXXX. 

Account is also duplicate on my report where one is reporting the discrepancies mentioned above and the correct account is reporting on time and in good standing with all accurate information. 

Please delete inaccurate account as it is reporting my credit incorrectly and inaccurate.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (DE)

This account is almost 6 years old and was closed by the company a long time ago. Due to the length of time this account has been open this account should no longer be affecting my credit & my ability to move forward with the things I need in life.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I obtained my TransUnion credit report on XX/XX/XXXX and there was Chapter XXXX Bankruptcy listed in the public records on my credit report. This unverifiable information was Deleted from my TransUnion report back on XX/XX/XXXX ( please see attachments ). Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information 100 % with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters ( please see attachments from courts ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Credit Bureau has never validated or verified these public record entries on my credit report TransUnion has also confirmed with me in addition to the courts that they use XXXX to confirm Public Records. 
My inquiry into the third party source ( XXXX XXXX  ) Data on XX/XX/XXXX and again on XX/XX/XXXX confirmed there are no bankruptcies filed under my name or social number ( please see attachments ). XXXX initiated a dispute with Transunion on my behalf on XX/XX/XXXX requesting for the Chapter XXXX bankruptcy to be deleted from my TransUnion file. As of XX/XX/XXXX XXXX TransUnion has fail to reply back to XXXX request to delete Unverified Bankruptcy information listed on my credit report.