davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom this may concern, I have attempted to sent letters Trans Union several times about inquires on my credit report that I did not do. I have also called and did what was requested by them several times. They told me there is nothing they can do about it and to reach out to the companies that have appeared on my credit report. I also explained to them that my wallet was stolen and that I have had several fraudulent credit cards and inquiries on my report but still nothing was done. Therefore, I have no choice to reach out to get this matter resolved. I am asking to have them remove as there impacting my credit profile.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

since my account was transferred from mygreatkakes to telnet, none of the three payments I have submitted have been applied. the balance changed on the account home, which I recorded in my monthly budget, but apparently that was inaccurate. Looking back, my bank statements also don't have record of withdrawal. In the Nelnet website, they have messages after every submission I made that they need me to resubmit. I do not trust them with my banking information. 

I unfortunately do not have screenshot of my principal changing on their website, but I have my budget. I recorded XXXX as my principal remaining the morning of XX/XX/31, and this morning received an email that my auto debit was returned. Right now I have multiples of my auto debit amount in my account in my account.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (DE)

On XX/XX/year> i made 2 electronic transfers from XXXX XXXX  to XXXX XXXX of {$3000.00} each. As of XXXX the transactions showed posted however they blocked my access from the funds, and they are not reflected in my available balance. I called XXXXXXXX XXXX XXXX and asked why are they holding electronic funds the rep stated that based on their policy they can hold electronic funds for 2-4 business days excluding weekends so my funds will not be available until XXXX. I asked the rep if she knows this is a violation of Reg E she proceded to tell me that is their rule, I advised her that their rules don't override the law. She kept repeating and refused to make my funds available.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (TX)

Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification. 
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance Corporation has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay XXXX XXXXXXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at XXXX XXXXXXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the 3rd time this year Credit Acceptance has extorted me without showing me proof of what is owed on the car loan. Credit Acceptance has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. Credit Acceptance does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX XXXX  debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. Credit Acceptance shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, Credit Acceptance continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when Credit Acceptance knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have had autopay set up on my credit card for years. Recently capital one changed something in their processing and for 3 months my auto payments did not go through. I was never notified and eventually a third party app XXXX XXXX XXXX XXXX made me aware of the missed payment. I immediately called capital one and made sure the autopay was on and the payments would start being processed again after they changed their system. Now my XXXX XXXX has been affected due to capital one changing their system and me not being notified. After years of not missing a payment, this happens and now my XXXX XXXX has dropped over XXXX points. I was never contacted by capital one or given any notification. I don't think my XXXX XXXX should be affected because they changed something in their system that no longer allowed my auto payments to go through. Especially after years of always paying on time and this is the only credit card I had an issue with.
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (OH)

The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of XXXX time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Apartment unit XXXX is uninhabitable stairway build too steep unable to come down or up, handrails were the wrong height and depth. XXXX is considered uninhabitable when they are dangerous, steep steps and handrails were wrong height and depth. Apartment unit infested with roaches and mice scattered all over the ceiling, walls, kitchen refrigerator, oven, and etc. It's not safe for me to live in these conditions, and wrote several email to Apartment complex manager of the roach and mice infestation and stairway and handrail build incorrect to height and depth. They never did implied to correct the issues. After my XXXX  I moved to a different Apartment Complex with XXXX accommodations and healthier for my health and rehabilitation.
Consumer complaint received 2023-11-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Millco Management (NC)

I, XXXX XXXX XXXX recently reviewed my XXXX credit report after receiving a notification of a new account on XXXX, XXXX  and immediately noticed a company called Amerifinancial Solutions LLC since changed name from XXXX which I did not recognize, give consent or any authorization. I also noticed on my credit report this line item : Loan Type : Collection Agency/Attorney. I immediately felt like I was under arrest and experienced feelings of distress and harassment. Next, I reached out to the company to validate the alleged amount owed, advised to cease and desist all collection activities until proof of validation, any contract or business associate agreement with original creditor, license to do business in my state and all account details of the transaction or alleged services received via certified mail delivered on XX/XX/. I also asked Amerifinancial Solutions LLC to confirm how they received my information. On XX/XX/XXXX I only received a letter from Amerifinancial Solutions LLC which stated XXXX XXXX XXXX, PA was their client and had provided a itemized statement. Amerifinancial Solutions LLC misrepresented a fictious client relationship and created a deception that XXXX XXXX XXXX PA is their client when in fact this alleged amount is not being pursued by the original creditor. Further, listing tradeline as an Attorney ( loan type ) when in fact there is no intent to pursue legally and creating further deception and representation. Other inaccuracies are present on my credit report as well. Further, Amerifinancial Solutions LLC did not confirm any HIPAA business associate agreement involving XXXX. Somehow they have falsely received detailed information about my health and medical history. Which I consider as identity theft, misrepresentation, deceptive and outright violations of the US code.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

On or about XXXX XXXX, I applied for a loan at XXXX XXXX XXXX XXXX. I have a very good credit record and a high credit score. 

I was denied credit on the basis of an Equifax report that there was a fraud inquiry regarding my credit report. When I called Equifax to get to the bottom of it, I was asked to send them a photocopy of the Social Security card and my driver 's license. I gave them every piece of information requested, except as to the copies, I refused. If his file was already the subject of fraudulent activity of some sort, why would I trust Equifax to secure images of my Social Security card and driver 's license? In addition, I believe that it is a violation of federal statute to require someone to use their Social Security card as identification. Consequently, the report stands and I am unable to get credit from XXXX XXXX XXXX. 

The copy of the report that XXXX XXXX XXXX got is attached with my SSN redacted.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have been an Amex customer for 29 years. I received an Amex bill for my account ending XXXX for {$1300.00}, minimum pay due {$40.00} on XX/XX/XXXX. I called the telephone payment and paid the full amount of the bill which posted XX/XX/XXXX. I got a bill the next month for {$38.00}. Apparently, I was charged interest on the entire charge of {$1300.00} PLUS a late fee of {$29.00}. The first time a payment was late. I spoke to two supervisors, XXXX overseas employee # XXXX and XXXX in the US employee # XXXX. Both tried and were unable to waive the fee or the interest because they said the computer wouldn't allow them to. XXXX refused to transfer me to her boss or Corporate and refused to give me the name of the person in charge of retail credit cards and only gave me the corporate address at AMex XXXX XXXX  at XXXX XXXX XXXX in XXXX. She had no floor number, room number or person to address a complaint to. These fees are ridiculous. I am being billed almost the amount of the minimum due on my previous bill which was paid in full. I have a XXXX balance except for a {$38.00} because instead of posting a payment as of midnight on XX/XX/XXXX, it was paid a few hours later at lunch time on the XXXX. There is no discretion, no customer loyalty and this is a disgusting and blatant money grab by AMEX taking advantage of customers who barely miss a deadline. They need to be sued and forced to impose a discretionary period and should not be allowed to charge a late fee on a balance that was paid in full, even if considered a few hours late.
Consumer complaint received 2023-11-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc. (OH)

The company continues to call me from different numbers coming from Maryland. They several times a day and sometimes leave messages sometimes they do not. They have not even given me time to respond to the written letter that they sent me. I am paying this debt elsewhere. They are calling from several different numbers for a total of 12 time in 8 days I say that " pretty aggressive. 

XXXX XX/XX/XXXX 2 times XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX XXXX time XXXX XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XX/XX/XXXX XXXX time XXXX XX/XX/XXXX XXXX time XXXX/XXXX XXXX time
Consumer complaint received 2023-11-01
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: ADIR INTERNATIONAL LLC (CA)

I am a victim of identity theft.. I am a victim of the XXXX XXXX breach i have submitted documents to show some of the damages I am currently facing and there's more so I request 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

Someone tried to open a Chase Freedom Credit card using my Information on XX/XX/2023. This also happened in XXXX as well. The card was declined. I received a notice that my credit was pulled from experian and chase the next day. I called both Chase and XXXX to report the fraud.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NC)

I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( Original Creditor : XXXX XXXX ) Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Collection {$220.00} XXXX Collection {$1400.00} XXXX  Charge-off {$480.00} XXXX XXXX Charge-off {$0.00} XXXX Charge-off {$10000.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX XXXX {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AZ)

I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-01
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXXXXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX  ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.