davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (IL)

I purchased a XXXX XXXX XXXX in XXXX of this year XXXX unaware that it was prone to car thefts my car keep getting stolen or the keep being attempts where someone try to steal it all in all Im stuck with the repairs cost thousands of dollars in repairs I cant keep up with paying the insurance because paying to get to and from work when the vehicle was stolen the 1st time I couldnt stay afloat XXXX  are expensive 5 days a week to and from work for nearly a month until they found the car and 3 weeks for it to be repaired after due to the overwhelming demand for parts due to high thefts for this model I am stuck in this loan with a car Ive have had for nearly 9 months and only have been able to drive it 2 of the 9 months Ive owned it total it was just attempted to be stolen again today window busted steering column destroyed again yes the immobilizer prevented them from getting it but the repairs are becoming extremely expensive XXXX shouldnt leave customers stuck with this
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
8. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you
Consumer complaint received 2024-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I called Citizens bank who holds my mortgage to make a payment. My account is currently 59 days past due so I wanted to make a payment today to avoid it going over 60 days and reporting to my credit bureau reports 60 days late. I spoke with XXXX different people and they would not take my payment because I could not tell them or commit to a second payment. I requested to speak to a supervisor and the representative told me the supervisor would tell me the same thing. When the supervisor came on the line she had no idea who I was or what I needed. Also the online system is setup to not take a payment from me since im due for XXXX months. Now i have to mail a payment to them which will put me over the 60 days. They just want my account to go over 60 days so they can foreclose on it. This is abusive in every way. I don't know what else to do.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I opened a credit card account with my bank, USAA, in XX/XX/XXXX. After using the account for approximately two years, I paid the balance due in full ( approx. {$1400.00} ) and requested the account be closed, shredding the card in my possession. Much to my surprise, approx. two years later in XX/XX/XXXX, USAA used the very same credit account to cover an overdraft on my checking account. Unaware that the credit account was even open, the amount due on the supposedly closed account began to become past due and collect interest. This continued for many months and I was not notified. Finally, some 10 months past due, as I was applying for a home loan, the past due account was brought to my attention, and although upset that the account was even open to begin with, I promptly paid the full amount and requested the account be closed, yet again. With a stellar credit history besides this mishap, USAA has refused to accept responsibility for dropping the ball and failing to close my credit account in XX/XX/XXXX, resulting in the one and only blemish on my stellar credit history. Not only have they refused to correct their mistake, or refund late fees as a courtesy, they have also not removed their negative report on my credit history, caused by their mistake.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

On Friday XX/XX/2023 I decided to deposit my paycheck into my checking account using mobile deposit. After taking pictures of both sides of the check as well as signing the check I hit the submit button. A message popped up stating that the funds will not be available until XX/XX/2023 knowing that I could not wait that long for the funds to become available I hit the cancel button ( to cancel submission of the check ) after not being able to cancel the check, I immediately called Chime. I spoke to XXXX at XXXX XXXX, explained the situation and was told on a recorded phone call that the check has been canceled. Not satisfied and also to reassure that my needs be met, I then called back to Chime and spoke with XXXX at XXXX XXXX  XX/XX/2023 on a recorded line, explained to XXXX that I just deposited my check, tried to cancel the check as XX/XX/2023 would be too long to wait for my funds to become available. I was then assured by XXXX to not worry ( on a recorded line ) my check will be canceled. Due to bad past experiences with these type issue 's, I then decided to give Chime a call for the XXXX time to assure my check was going to be canceled as I instructed. I spoke with XXXX at XXXX XXXX ( Pacific ) time, explained for a XXXX time that I needed to have my check canceled due to me not being financially stable enough to wait until XX/XX/2023 for my funds to become available. No worries said XXXX, your check has been canceled and you are free to take your check to any financial institution to cash or deposit. Me believing that my check was canceled because that's what I was told on XXXX different occasions on recorded phone lines, I decided to take the check to a local check cashing agency in my area on XX/XX/2023 only to have the police called on me, because it was the check cashing agencies belief that I was trying to defraud them by trying to cash a check that was already deposited. I was allowed to call Chime to have the story verified and fortunately was not arrested. I've tried on numerous occasions via phone calls/emails to find out why my check was never canceled per my request and no one could give me an answer. This was very unfair to me. And I definitely deserved to be treated more fairly as a consumer. To date I still vant get a straight answer. And I'm still waiting for my funds to become available as I now have to wait until end of day ( whenever that is )
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I did not authorize the Experian to include any information on my report, which is a violation of the permissible purposes outlined in The Truth and Lending Act 15 U.S.C 1681B concerning reports. Additionally, this action raises concerns regarding compliance with the procedures stated in 15 U.S.C 1681E. Section 4 of 15 U.S.C 1681C is particularly relevant in this context.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/year>, XXXX and possibly 3 American Express credit cards were opened in my name, I did not apply for new credit cards, cards and statement have been sent to me. The American Express XXXX XXXX card with XXXX {$2200.00}. 
New cards opened without my knowledge, American Express XXXX XXXX, American Express XXXX card and American Express XXXX XXXX card. 
Also, {$4000.00} with drawn form my XXXX XXXX XXXX American Express card, that {$4000.00} is now on my statement.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (FL)

I received a credit card in the mail from Barclays Bank on XX/XX/year>. I did not apply for a credit card from Barclays Bank and the only phone number on the letter was for activating the card. As I did not apply for the card, I did not call the number for activation. I had to look up Barclays Bank online to find a customer service number. I called Barclays Bank customer service on XX/XX/year> and was advised on XX/XX/year>, the card was applied for, approved, activated, and a {$4000.00} purchase was made. I was advised a statement would be coming with a payment due on XX/XX/year>. I advised Barclays Bank Customer Service that I did not authorize this credit card application or a charge for {$4000.00} and would not be making any payments. 

Upon asking for a copy of the application and signature, I was advised a copy of the documents with initials would be sent to me at the application address so I could file for fraud. The representative could not confirm that a wet signature or touch pad signature was used for the credit application. As of this letter, XX/XX/year>, I have not received any verbal or written communication from Barclays Bank. As I do not have an account with Barclays Bank I am unable to login to their website for updates on the case they were to open. They also did not provide me with a case number for reference.
Consumer complaint received 2023-11-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelnet, Inc. (IL)

Nelnet broke the law!! They stole money out of my bank account that I never gave authorization to do so. I never communicated with them nor did I give my bank information for them to take my money. There is no written or electronic consent given. If they can not provide a document that shows me giving consent I will be taking legal action immediately. I am a federally protected consumer and they need to abide by the law. 

15 U.S. Code 1692f ( 1 ) - Unfair practices
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

I am writing to bring to your attention a critical issue concerning my credit report. Despite previous disputes and requests for the removal of fraudulent accounts, my credit report continues to display inaccurate and unauthorized information, which is severely impacting my creditworthiness. 
I have identified the following fraudulent accounts on my credit report, and I insist on their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are not only unauthorized but also damaging to my credit score and financial reputation. I have previously submitted disputes regarding these fraudulent accounts, yet they persist on my credit report. It is evident that the bureaus have failed to thoroughly investigate and rectify the situation, and instead, additional fraudulent accounts continue to be reported.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiry on my personal credit report. I have listed the names of the company below, and the dates the inquiry was made. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

so i had recently sent in all the necessary documents to XXXX and was able to get them to remove all my hard inquiries except for one from XXXX XXXX but for some reason my equifax credit report is still showing these hard inquiries so i call a XXXX representative on XX/XX/XXXX and was told that i needed to file a report with a list of the inquiries that need to be removed and attach it to my letter the inquiries that need to be removed are bank of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are hard inquiries that need to be removed from my credit score for the information was inaccurate
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One closed my account and told me that I can apply for another credit card. I applied for the credit card on XX/XX/2024. The credit card was approved and I submitted a deposit of {$250.00} rather than the required {$200.00} on XXXX XXXX. I received an email stating that my security deposit has cleared and that I would be receiving a new card. I received another email stating that my card was shipped and the funds were ready to use. I finally got the card today XXXX XXXX and after I activated it I was told the account was closed. Capital One never made any mention or communication stating that there was any possibility that I would have to pay the deposit, receive a new card, and then have the account closed or restricted. I called them and was told that I should apply for another card and make a deposit. I asked for the manager who also advised me that I should reapply for a new card in a few months because they closed my new account. I didnt agree with that so the credit manager said I would receive a refund in XXXX billing cycles and that they would not reopen my account. Now I am completely broke and I am owed {$250.00} that I wont see for a minimum of XXXX months. This is outrageous, it is false advertising, and I want to proceed with a lawsuit against them.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX never late How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I hope you are doing well as I write this. I'm writing to discuss a problem with my credit report, particularly the late payments that are related to my account. I recognize how crucial it is to keep a current and accurate credit history. I'm writing to ask that these late payments be updated or removed off my credit report. 

XXXX XXXX XXXX  XXXX XXXX I am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  XXXX customer service representative. 

To address the issue and guarantee future payments on schedule, I have taken aggressive steps. I recognize the value of being financially responsible and the significance of having good credit. Therefore, I humbly ask that the late fees linked to my account be either eliminated or modified to appropriately reflect the present situation. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX