davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
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. (MD)

It is unbelievable that Equifax waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. Equifax 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers. 

This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions Equifax offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

For over a year I have been paying kinum {$130.00} every month for medical expenses. They automatically draft a check each month that comes out of my checking account. I have a new job and did not have funds available this month. It was an oversight on my part. However, they called today and explained that if I did not pay immediately they would have me arrested for writing a bad check, and would also make the balance due in full. I have been paying faithfully for over a year. One mistake should not cause such an uproar. XXXX was very rude, and would not let me speak. Threatening me with jail time was the last straw.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXXXX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXX/XX/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Collection Bureau (CA)

On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (MI)

In XX/XX/XXXX, I paid for the remaining lease payments on my XXXX XXXX XXXX. In XX/XX/XXXX, I traded in this vehicle to XXXX XXXX. At that time, XXXX XXXX sent a check to Chrysler Capital buying the vehicle. On XX/XX/XXXX, I went into a XXXX dealership to purchase a new vehicle. Upon doing a credit application, I was denied. After going to a different dealership, the sales manager called Chrysler Capital. At that time, it was discovered that the vehicle in question account was closed with an OUTSTANDING balance of {$20000.00}. This is the amount of the check that was sent over 2 years ago from the dealer who purchased the vehicle. Chrysler Capital credit department never updated the file to " paid in full ''. After making nearly 20 calls to find out what was going on with my account, I was finally able to reach a representative in the Office of the President who did THOROUGH research who had the file updated and reconciled with a " {$0.00} '' balance.
Consumer complaint received 2017-08-10
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. (AL)

On XX/XX/XXXX I received an email from Equifax stating that their investigation into an account I reported as a result of identity theft had been completed. In the letter sent to me which I am including says that they are leaving the item on my credit report because they verified it as belonging to me. I have never had an account with them or XXXX. I want it removed or blocked from my file immediately. According to the FCRA in section 605 ( a ) ( b ) it is the responsibility of the credit reporting agency to block any information/account a consumer states is a result of identity theft upon written notice of the claim. Under the law, they have 4 days from the written notice to comply. I have sent them a FTC affidavit, an identity theft report and a written notice of my claim. Of course the company has my name, my social security and my date of birth right along with my address correct because they stole my identity. They used my personal information. The accounts that need to be removed from my credit report are the two collection accounts. 1 ) XXXX XXXX in the amount of {$150.00} opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX in the amount of {$720.00} opened on XX/XX/XXXX Also, on XX/XX/XXXX I received notice that the XXXX XXXX account had been removed from my report but upon viewing my credit file it is still appearing there. I would like it removed as it was also a result as identity theft. Please remove these accounts immediately as they are a result of identity theft.
Consumer complaint received 2017-08-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (CT)

This all began when my loan originated for this consumer vehicle loan. This account has been with Wells Fargo Dealer Services for a few years now and I feel as though the dealership along with Wells Fargo tag teamed and quickly coerced with sales tactics and promises of a low interest rate being a young and inexperienced consumer to quickly close out on a deal with each other. I feel as though it 's unfair and extremely deceptive how they fooled me into signing a loan with a higher interest rate than I anticipated. The dealership took advantage or my race as an XXXX XXXX young adult and my only goal was to co sign for my fathers car loan ( XXXX XXXX XXXX ). The dealership said if we left that same night we 'd lose the deal and we felt pressured to decide on one loan option for an insanely high interest rate. I believe that Wells Fargo could have provided a way lower interest rate which would have made my experience as a consumer much more professional and productive. Now each time I call Wells Fargo which is at least once a month and ask them to investigate they say they 'll escalate and nothing ever happens. I threaten to contact regulators and it almost does n't bother them. I really need you to look into my loan origination because my rights as a consumer were violated and I ca n't do this on my own. My loan account number with Wells Fargo is XXXX.
Consumer complaint received 2017-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
Consumer complaint received 2017-08-12
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. (FL)

XXXX XXXX aka XXXX XXXX XXXX aka XXXX XXXX, account number ending in XXXX On XX/XX/XXXX XXXX. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and XXXX. for verification. Over 30 days later on XX/XX/XXXX XXXX. recalls ownership of the account from XXXX. Then on XX/XX/XXXX XXXX. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.
Consumer complaint received 2017-08-11
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. (NY)

I have disputed with the three credit reporting agencies, XXXX, Equifax and XXXX, more than several times about the same incorrect account information on my credit reports but the agencies are not correcting the problems. I have submitted disputes online and in writing. Seems as though all I 'm getting is an automated response after a few weeks of " updated '' information '' .The accounts get changed from showing NA to collection account, or vise versa. There are collection accounts, public records and inquiries that I have tried over and over again to have removed. I 'm not getting anywhere and its very frustrating. I have even submitted documentation to the credit bureaus hoping that it will help in aiding the investigation, but again, nothing happened. There is a public record on my account from XXXX County Clerk in the amount of {$300.00} that was paid in full. I contacted WCC and asked if they could please have this removed from my credit reports and they said yes. They also mailed a letter out to me with a judge 's signature stating that the judgment had been satisfied and that they agreed to remove it from my file. I sent this to the credit bureau on at least 4 or 5 occasions but it still remains on my credit report.
Also, there is a collection account on my credit report for XXXX XXXX XXXX showing there is a charge off of {$420.00} for a credit card that they claim I had. I have also disputed this account many times with the credit bureaus stating that this account does not belong to me, the balance is incorrect, I am no longer responsible for this account, etc.! I have tried to dispute it in many ways so that the credit bureaus will look into it and do a thorough investigation but the only thing that happens is that my credit report gets updated with the same information making it look current and hurts my credit report and score even more.
I applied for a SECURED card with XXXX XXXX which stated that they will not do a credit check and that my social security number is only needed for identity verification. I get a letter in the mail a few weeks later stating that I was denied for a XXXX XXXX because of collection accounts on my credit report. I was lied to. I was told that there would not be a credit check for a secured card. I disputed this information with the credit bureaus but this inquiry still remains on my account. I have sent in documentation showing that I applied for a secured card but nothing happened.
There is also another inquiry from XXXX XXXX XXXX on my credit report that I have disputed with the credit bureaus. I have NEVER applied for any services from XXXX XXXX I live in a building that is not even wired to receive XXXX XXXX services. I have disputed this inquiry over and over and over and the credit bureaus just keep ignoring me. Please help me.
Thanks in advance.
Consumer complaint received 2017-08-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITY NATIONAL BANK (CA)

I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on the law.
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

We overpaid our credit card by {$20000.00} to capital one and have requested reimbursement for the overpayment on two separate occasions, starting 4 weeks ago. Each time we have been guaranteed that we would be issued a check for the overpaid credit balance within two weeks of request. We are now going on the third request for those funds to be repaid to us. According to the truth in lending act, it is my understanding that a credit card must issue a refund for overpayment of credit card within 7 days of the initial request. We are now on at least day 28 and refund has not been issued. Tonight was my third time of trying to resolve this issue and the process has started all over again.
Consumer complaint received 2017-08-10
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. (AZ)

Equifax will not remove a XXXX XXXX paid in XX/XX/XXXX. The lien was for taxes from XX/XX/XXXX, which would be 15 years ago. I am being penalized for a debt from 15 years ago. Every time I dispute this, no one considers the fact it was XX/XX/XXXX. Also, according to the new laws concerning tax liens for XX/XX/XXXX, I feel it definitely should be removed. Every time they contact the state, they have the date for 2008 ( even though it is for XX/XX/XXXX, not XX/XX/XXXX ) which would also be 9 years.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.
Consumer complaint received 2017-08-10
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. (NY)

I called XXXX today ( X/XX/17 ) to report that a hard inquiry from them appeared on my Experian Credit Report since I have never had a XXXX XXXX account, nor did i ever inquire into getting one. I was passed along to 10 different departments in their fraud department where they determined I, in fact, had no accounts at XXXX in my name and they suggested I file a report here. I would like this hard inquiry removed from credit score ASAP. I 've attached a screenshot of the hard credit inquiry from XXXX XXXX AND XXXX which appeared that same month. XXXX XXXX was able to let me file a complaint through their website, but both should be removed from my credit score ASAP.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

With the Equifax leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with Equifax and have to wait an unspecified amount of time for an email to come from Equifax to finish the process with them. ) Went to XXXX site from a search engine, ( Security Freeze - XXXX ). The link ( XXXX XXXX XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products XXXX and with a bunch of caveats, works. ( XXXX XXXX XXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
Consumer complaint received 2017-08-11
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)

XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information to establish several fraudulent accounts without his consent. Some of the applications submitted resulted in fraudulent related inquires. A formal dispute of those inquiries was sent to the respective organization however the inquiry was not removed ; this is a violation of FCRA regulations. A dispute was then sent to the credit bureaus and again the inquiry was not removed, another FCRA violation. As of this morning a credit report found XXXX ( XXXX XXXX XXXX ) is reporting the fraudulent inquiry generated to Equifax X/X/17.