davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
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. (MO)

They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2018-01-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (MI)

As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Equifax ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
Equifax : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-15
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. (GA)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION
Consumer complaint received 2021-12-08
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. (AK)

Equifax states on their website that : " Closed accounts stay on your credit report for up to XXXX years since the date of last activity. Negative information such as late payments or collections, generally stay on your Equifax credit report for up to XXXX years from the date of first delinquency. '' However, they list a closed account where my last activity has been confirmed on the Equifax report as well as the credit company that the last activity was in XX/XX/2010, which is more than XXXX years ago. I submitted a dispute to them, and they verified with the credit company again. The same fact was reported back to me that my last activity was in XX/XX/2010. Yet they refuse to remove this closed account. There was never a late payment or collection.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (WA)

My credit report is saying I have {$410.00} Im collections from a XXXX from XXXX XXXX 2017 I have nothing in my name not I have I opened any accounts in my name in years. This is NOT my debt
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (GA)

Called the bank 's customer service on XX/XX/2017 and confirm eligibility for the {$200.00} new account promotion. I opened this account that same day with the {$25.00} requirement and met the other requirement of having {$300.00} direct deposit on XX/XX/XXXX. The promotion stated the following " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above ''. It has been over 60 days. 

I have called multiple times and messaged the bank on my online account. Never received a reply on the online messenger and kept getting transferred when calling because none of the representatives could give me a clear answer or solution about this issue.
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (PA)

In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

On or around XXXX XXXXh, 2017, I attempted to transfer approximately XXXX BTC from Coinbase's "Vault" to the "Wallet" feature inside of my personal Coinbase BTC account. However, when attempting to do so, I get the error message, "Withdrawal Already In Progress On Vault". [Case number: #XXXX]

Normally, the account should send two emails to two separate email accounts listed in my Coinbase account. Then I'm required to confirm the transaction via these emails. I have not received any emails regarding this transaction. 

Ironically, when I made the same attempt to transfer ETH from my ETH Vault to the ETH Wallet, the system worked as expected. I was able to withdraw my funds without any issues. 

I've emailed and called Coinbase's customer support. I have waited patiently for a solution to allow me access to my funds. I've only been told that tech support will " ...get to it when they can". It's been over two weeks and I still haven't heard anything back from them. I believe enough time has passed for this issue to be resolved. 

Unfortunately, a brief XXXX search will show that I am not the only customer to experience this.

What I want them to do is to put ALL of my funds into my BTC >Wallet< so that I can successfully transfer it OUT of my Coinbase account.
Consumer complaint received 2018-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (IL)

I took loan from the PNC Equipment Finance, located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.
Consumer complaint received 2018-01-16
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. (MD)

I contacted TransUnion and spoke a credit rep for them to removed these inquiries that reappeared on my credit report after their " inquiry issue '' and they told me that they would NOT help the inquiries that are listed below were removed off my report and then reappeared without any notification why. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

Wrote a person a check of {$1000.00} from my business account. 

Check was paid by Suntrust on XX/XX/XXXX. 

Check was paid by Suntrust again on XX/XX/XXXX. 

Person claims they found the check and deposited again thru their XXXX XXXX XXXX app. 

How can a check clear twice? 

How can a check clear twice almost a year later? 

I submitted my claim to Suntrust at it was denied because I did it after 30 days from the check being paid. ( The second check. )
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

After setting my limits to {$7500.00} USD, I deposited {$5000.00} USD to my Coinbase USD Wallet from my US-based bank account. This transaction was made at XXXX XXXX ( EST ) on Monday, XX/XX/XXXX. Coinbase took the money from my bank account on Tuesday, XX/XX/XXXX, before XXXX XXXX ( EST ). 

It is now XX/XX/XXXX and still NO deposit showing. This is the 6th business day ( Internationally ; yesterday was XX/XX/XXXX in the U.S. ) and the 8th calendar day. Coinbase policy is : deposits can take 2-5 business days to clear due to ACH blah blah blah. Well, Coinbase had possession of my money on the 2nd business day, yet did NOT deposit it in my USD Wallet TO THIS DAY! ( Tuesday, XX/XX/XXXX ) On day four ( XX/XX/XXXX ), I called the phone number Coinbase listed with the bank transaction ; that number NO LONGER WORKS. The new number ( XXXX ) is nothing more than a talking phone tree that does not allow for human interaction at all - at the beginning of the call AND at the end of each message down the tree, the voice directs you to go online to their support site. After going through the miserable " Chat Bot '' on Coinbase 's support website, I was finally able to send them an email from https : //support.coinbase.comXXXX ... 

Coinbase 's response so far? CRICKETS!!! Nothing. Nada. Zilch. Zero response. Since I finally sprang for more than a couple dollars here and there deposit to invest in cryptocurrency, Coinbase really sucked me into their net bad. If not stolen, at least misappropriated and using my money as their " FLOAT '' to increase their own corporate profits. At worst, Coinbase is a fraud, at best, a really messed up company. I 'm feeling chaffed. What a CON JOB. 

I have also contacted my bank to inquire what to do about the transaction after-the-fact.
Consumer complaint received 2018-05-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I was originally paying around XXXX dollars a month and 4 years ago i called them to change my payment plan and they had me pay XXXX dollars a month and i feel like have been paying a lot of interest each month and now is getting really hard for me to make the monthly payments. The balance is still at XXXX XXXX for the longest and they keep charging more interest than anything. Their interest keeps changing constantly each month they take a big chunk for interest and not enough for principal which is why is taking me a long time to pay this off. I now have a mortgage and starting a family and i can not no longer keep paying every month and the balance does not seem to lower a good quantity.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX  Account Number 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.

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX  Account Number # 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX  Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated. 


In accordance with the Fair Credit Reporting Act, XXXX Account #, XXXX XXXX XXXX Account Number 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. 

My legal rights have been violated.
Consumer complaint received 2018-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: U.S. Auto Sales Inc. (GA)

I purchased a vehicle on XX/XX/XXXX from US Autosales. Because of my credit score I had to go to this dealership that clearly does predatory lending to poor people. I was approved for a vehicle totaling {$19000.00} for what I thought was a XXXX XXXX XXXX but its probably a XXXX. After putting a deposit of {$2100.00} my total to finance is {$17000.00} with a 23.30 %. Instead of my interest rate being a little over {$4000.00} which is what my calculator say Im being charged {$14000.00} in interest on a $ XXXX car. In total my car is {$34000.00} because of this illegally charged finance charge. I was also forced to purchase a service plan adding another {$1900.00} on my contract for a plan that does cover the car for my entire loan. I have called and spoke to multiple people about fixing my paperwork so that my payments can reflect correctly. This company also tell you that they have a tracking device on your car what they dont tell you is that this device shut your engine off so that you cant start your car it doesnt matter when you are which wasnt explained to me when I purchased or signed for this vehicle. I would like to start a class action lawsuit against this company. I should have read the reviews before purchasing because theyre bad. Please help
Consumer complaint received 2018-01-15
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a bill for XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, XXXX XXXX Ending in XXXX for the amount of {$190.00}. I have no such card, I did not apply for this card. I have never activated this card. I have never received a card. I have never made a charge related to this card. Capital One has closed this card and is investigating the charge made on XXXX XXXX, 2017 for XXXX ( {$190.00} ). Awesome Capital One. I do not have cable in my home in any form. The problem is that they state that this charge will remain as part of my credit bureau for 60-90 days. I 'm in the process of moving, this will report as a delinquency as I pursue that process. Capital One is falsely reporting this card and charge on my credit bureau. And will report it as delinquent as of no payment XX/XX/XXXX the pay date on the letter. The supervisor XXXX and rep. XXXX eliviated themselves of any responsibility as to what they could do. I advised them to remove the charge completely until investigation was completed. They stated they could not do that. Even stated that someone was keeping up the account. Which was incorrect as this bill states XXXX for prior payments and balances and the only balance is the charge of {$190.00}.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recover, LLC (MD)

On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.