davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Current Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CO XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-01-09
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. (CA)

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

About a month ago, I contacted your executive office about my XXXX credit card and late payments. I had advised the representative that there is a serious problem with making a payment online. I tried one more time online to make a payment as it is more convienent for me. I tried to select my bank account, and got an error, so I tried again. When I made the payment I received a message we have already received processed a payment for this bank account any payment date. Please view your payment history to cancel or edit a payment. 

I then check the following day-no payment! This has been happening to me for MONTHS. 

The agent did not seem to be concerned, or even wanting to fix the issue, and told me to pay by phone. OK, sure. Ill pay by phone. But why is synchrony NOT concerned that something may be broken and not want to fix it? Surely I cant be the only customer this has happened to. Im seriously wondering if this is a way to collect more revenue from late fees. I have saved screen shots of the message i received and it is attached to the complaint, plus showing no XXXX payment. 

Additionally, late fees, interest and an update to credit bureaus should be completed.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On Friday,XX/XX/XXXX I called CapOne 360 at their phone number defined as " Sales/Service Number : XXXX ''. I wanted to open a CD in the maximum amount covered by FDIC insurance and I wanted to title it in my name with my husband as the beneficiary of a POD. 
The gentlemen I spoke with told me that " temporarily '' CapOne 360 is UNABLE to write POD 's. I asked him why and he said the laws are different in all 50 states and we're trying to streamline our POD forms. Until such time we are unable to write POD 's. I asked how long this temporary situation had been in effect and he said " about a year ''. 
Currently there are only a couple banks offering 2 % on a one year CD. I have been a customer of CapOne as recently as XX/XX/XXXXwhen my last CD with them matured. 
I chose not to do business with them now as they are currently not offering a product that I thought was allowed by law and has always been an alternative in the CD marketplace.
Consumer complaint received 2018-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (NY)

I was charged two amounts from XXXX, XXXX and XXXX respectively. I did not complete these purchases, nor did I receive the bitcoin that it was made for. The bitcoin was immediately transferred out with the notes attached to it. The first purchase was XX/XX/2018 for {$500.00} worth of bitcoin, it was sent minus later to an address with the note attached reading " hey dirk ''. The second as XX/XX/2018 fo {$400.00}, and again was sent almost immediately out of coinable to someplace unknown with the not attached " XXXX ''. All previous transactions I have made do not include any note. Also at the time the purchases were made I had positive control of my phone, and my laptop. My laptop account can only be accessed with 2-factor authentication via my phone, and my phone was on me at the time of the purchases. Accessing my phone account requires my fingerprint and then a pin to do any purchases. I have contacted XXXX and received no response. 

I was then later charged the same amounts again, on XX/XX/2018, both {$500.00} and {$400.00}, which triggered my low balance alert on my account and brought the entire fraudulent charges issue to my attention. These two have since been refunded, but the original purchases hav still not been.
Consumer complaint received 2018-02-17
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. (CA)

I have mailed in my police report and FTC affidavit 2 times to Experian on fraudulent accounts reported on my credit report by XXXX XXXX XXXX XXXX and Experian has refused to block these fraudulent accounts. 

I received 2 letters from Experian stating I have filed these disputes with knowledge that these accounts are mine or the disputes were made in error and that the have validation that these accounts as mine? 

NO proof has ever been mailed nor have I ever even been contacted by XXXX XXXX. I never even knew about these accounts until I checked my Experian credit report. I will be filing a separate complaint on the the data furnisher as well. 

Under FACTA law- Experian is supposed to block these accounts upon receiving my police report and FTC affidavit. They have violated this twice. The other 2 credit reporting agencies have already deleted these accounts but Experian has refused both times. These fraudulent accounts are updating false information monthly and ruining my credit. Experian allowing this to happen this is an unfair business act!
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (CA)

On XX/XX/XXXX I sent an autopay set up form to Great Lakes to set up auto pay on student loans serviced by them on behalf of XXXX XXXX. The first loan payment was due on XX/XX/XXXX. I  received a notice in the mail that the loan was past due on XX/XX/XXXX. When I called I was informed that a {$25.00} late fee had been applied and that the scheduled payment for XX/XX/XXXX had not been processed. 

I was further informed that the autopay takes 10 days after mailing the forms to set up and because it was not set up until XX/XX/XXXX, the payment was not processed and the late fee was applied. The autopay forms I received and filled out from Great Lakes do not disclose the 10 day lead time required to set up autopay, so I objected to the late fee on the grounds that the terms and timeframe was not properly disclosed and therefor predatory. Great Lakes refused to reverse the charge on the grounds that the late fee is required by XXXX XXXX. The problem, however is that the disclosure requirement for setting up the autopay is on them as the loan servicer.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am in the process of getting a home loan, and must be in the Equifax system in order to complete the home loan process. Closing date is XX/XX/XXXX. If  the issue is not fixed, I lose the house. 

XX/XX/XXXX - I spoke with Equifax about two separate lenders being unable to pull my Equifax report. I was told I did not exist in their system and needed to fax/mail documents and it would take some time to process. I faxed the requested documents ( Social security card and drivers license ) XX/XX/XXXX - I called Equifax to see where I was in the process of being put into their system so I could obtain a credit report and continue with my mortgage loan. I expressed my urgency. They said they were unable to locate the documents and I needed to fax them again. I faxed the same documents two times this time to be safe ( social security card and drivers license twice that day ). They said to call back in 72 hours. 
XX/XX/XXXX - After a total of 3 hours on the phone, I was told that my documents were finally found, and I was now in their system. The person on the phone said that I would now be able to pull my credit report, but there would be 0 information reported on it. Which was okay - for my loan everything was cleared with the other two bureaus, but I just have to have a file with Equifax to actually receive the loan money. I relayed this to the loan company, and they were unable to pull a report on me still. They then called Equifax, and we were told it would take 24 hours. 
XX/XX/XXXX - We were still unable to pull my credit report. After another 2 hours on the phone, I was told that I still have no file with them, and must get a new credit card, loan etc. and that will create a file under my name in their system. Although I gave them all the information to my current car loan and credit card. He could not answer as to why my current car loan and credit card did not create the file. 

I am quickly running out of time and am desperate to get this issue fixed.
Consumer complaint received 2018-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

Originally obtained a loan in the amount of {$5200.00}. I had every intention of paying it off within a month. Of course things occurred & that didn't happen. At the time of applying for the loan I was told it would be at 5 % interest. Silly me, was in a hurry & they were rushing me to lock in this rate. Well, I unfortunately was misled & clearly didn't understand/ read the loan documentation or contract. Because, as I've consistently made on time payments of {$130.00} bi-weekly since XX/XX/2017. And, for some odd reason I've only paid down my loan to {$4900.00} So, now being a single Mom to a XXXX child who receives Absolutely No Government assistance at all due to my salary. I start to wonder to myself gee {$130.00} Bi-Weekly 21 payments that's {$2900.00} and I've only knocked off {$220.00} off the loan? Now, figuring this is absolutely insane & finding out I am being charged 64.75 % interest?? I thought a credit card company charging 20 % - 28 % interest was ridiculous. But, a loan company being able to charge up to 100 % interest should be absolutely illegal. And, I am trying my hardest to find a way to pay off this loan ASAP. I REALIZE This most likely will do no good. But, I've requested a payoff from this company & I was told there's no pre-payment penalty from the very beginning. If they try & charge me any more than I currently owe, I will fight this & will take action with the State of Missouri for them being even allowed to operate & prey on people. No loan should ever be over 30 %. I make good money, had decent credit at the time of this loan & was given a 64.75 % APR??? This just floors me, that the Government would even allow this to be allowed! No wonder why people are in debt, can't afford to live on a decent income, & will always be in debt because of companies like this!
Consumer complaint received 2018-02-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gross Polowy LLC (NY)

XX/XX/XXXX Notice of Chapter XXXX Bankruptcy Case, Meeting of Creditor, & Deadlines filed. ( Notice attached ) XX/XX/XXXX Notice of Appearance with request for copies of all orders, notices and pleadings under bankruptcy rules 2002 ( g ) and 9010 ( b )  filed by XXXX XXXX XXXX, XXXX as servicer for the XXXX XXXX XXXX XXXX   XXXX XXXX XXXX. ( Notice attached ) XX/XX/XXXX Final bankruptcy Decree received that included referenced mortgage property. ( Letter attached. ) XX/XX/XXXX Received letter from XXXX XXXX XXXX, XXXX stating the following : " This letter was sent to acknowledge that we are in receipt of your request regarding the REO inquiry through correspondence received from XXXX XXXX. '' -I did not make this request and sent a certified letter, with return receipt, stating the property had been surrendered in a chapter XXXX bankruptcy with all of the applicable filing information. ( Letter attached. ) XX/XX/XXXX Received NOTICE OF OWNERSHIP CHANGE from XXXX XXXX XXXX, XXXX stating that the mortgage account had been transferred. ( Notice attached ) XX/XX/XXXX-XX/XX/XXXX Several invitations to pay and miscellaneous notices from " XXXX XXXX '' received . 

XX/XX/XXXX Debt validation notice received from Gross Polowy LLC. 
-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and ALL of its servicers are well aware that this property was discharged in the bankruptcy.
Consumer complaint received 2018-01-09
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)

Tried to book a flight with XXXX XXXX, upon booking I received a notification if I sign up for an XXXX promotion Credit Card, I would be entitled to a {$200.00} discount. Thinking this would be acceptable due to the promotion ad, I signed up. Upon notification I was approved, the discount was never applied therefore I paid full price. In addition, I was supposedly expected to click a travel number to access although this was not clear nor present when applying. When my wife called, she was explained that since this option was n't clicked, we must wait for it in the mail and ca n't be given over the phone which is completely ridiculous since they can verify the information I just provided. 

I would never have chosen Delta without that discount as I have a family emergency to attend to and at this point I thought I would be able to resolve with the XXXX customer service. After 7 calls between my wife and I to cancel the card since it was moot, we were passed around and hung up on each time besides the last, which the department I needed already closed. The customer service department repeatedly asked us to explain the situation, which took about 3 minutes, then said we could n't help you and new accounts would. If the situation was handled properly we would have been able to communicate our concerns with new accounts prior to there closing. After 7 phone calls, the situation was so frustrating we asked for a Manager to speak to. We were given XXXX, who was quite unhelpful and disrespectful. I advised the associate on the spelling of my name, XXXX, several times but she decided to call me XXXX XXXX which after I corrected her, she still continued to call me by that name. This transacation clearly violates UDAAP and validates XXXX is predatory, stating they can do one thing while they clearly could not. 

All I wanted tonight was to cancel my credit card and ensure it did n't affect my credit since I we did this under false pretenses and within 20 minutes of the application. After delaying this request through transferring and hanging up, it surely was a tactic to ensure that my credit and their fee would be affected. 

They recorded each call of mine, therefore should there be a dispute of this. XXXX, the " supervisor '' of " customer service '' stated they ca n't review the calls. A decent debt collection/customer service company should have a quality assurance/compliance dept. that examines this but above exemplifies they do not value this aspect of business or their customers.
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (IA)

XX/XX/XXXX- I mailed a certified letter requesting validation to XXXX XXXX and XXXX XXXX . ( I have copies of receipts ). I requested proof that I was the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay. 
I stated that this was not a request for verification, but a request for validation. 
I requested the following : Agreement with the client that grants you the authority to collect on alleged debt Agreement that bears the signature of the alleged debtor where he/she agreed to pay creditor Date alleged debt became payable Date of original charge off or delinquency Verification that the debt was assigned or sold to collector I disputed with Experian credit bureau. They wrote back stating they verified accuracy. I sent another letter XX/XX/XXXX disputing inaccuracies, requesting validation not verification, was only sent verification again. I sent another letter around XX/XX/XXXX requesting Experian method of verification and they sent me a letter stating they previously processed a dispute and the credit grantor verified accuracy and they would not reinvestigate the same dispute at this time even though the information requested was not sent and according to the FCRA this is a clear violation. If the credit bureau can not validate the accuracy the account must be deleted from the consumer file.
Consumer complaint received 2018-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX, XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (PA)

I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.
Consumer complaint received 2018-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.