davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (WA)

The information reported under this account is factually incorrect. I recently pulled my credit reports and noticed you are reporting incorrect information ( high balance, last verified date, remarks and late payments ) for this account ( XXXX XXXX XXXX ). 

High Balance across the three credit bureaus are inconsistent XXXX {$430.00}, Experian {$430.00} and XXXX shows {$300.00} Date opened shows inconsistencies XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX shows XX/XX/XXXX Creditor Type shows inconsistencies shows that says it's a XXXX XXXX XXXX XXXX XXXX  Experian- XXXX XXXX XXXX and XXXX shows All Banks Creditor remarks shows says XXXX- Cancelled by credit grantor/, Experian XXXX has been closed due to inactivity and XXXX shows Closed or paid account/XXXX  balance/account is closed by XXXX XXXX all show signs of inconsistencies Last payments show that XXXX and Experian has a last payment day of XX/XX/XXXX while XXXX shows a last payment as of XX/XX/XXXX XXXX XXXX Reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as OK. 
Experian : Also reports a late payment in XX/XX/XXXX ( 30 days late ), but all other months are marked as XXXX. 
XXXX : Reports a late payment in XX/XX/XXXX ( 30 days late ), which is inconsistent with the records from XXXX and Experian
Consumer complaint received 2017-12-05
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 (PA)

Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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: Mr. Cooper Group Inc. (AR)

My husband and I have a mortgage through Mr. Cooper/ Nationstar Mortgage . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ).

In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and XXXX and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (WA)

I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-12-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I already have an account with one main. I was approved for XXXX. They paid off my car in which I only owed {$680.00}. I received a check for the remaining balance which was almost a {$1000.00}. I was charged an additional {$2200.00} with fees and interest and my total pay back is {$4000.00}. Every 60 days they send me a loan offer saying I am eligible for an additional amount. XX/X/17 I had 3 offers with different pay back amounts and different loan amounts. I was denied due to having to many things in my name which are my student loans for me and my daughter. I am obtaining my XXXX so I will be in school for 4 more years and my daughter still has another year. I worked for a XXXX XXXX for over 10 years and I have a XXXX certificate so my loans will be deleted once I have completed my studies. Some of my loans have already been deleted due to the schools not being accredited and closed down. So every time they run my credit, it drops my scores. I have asked them several times not to send me these loans by mail, email or on my account. The site says Guaranteed if you already have an account but its not true. They have you apply then bring your credit score down at least by 25-30 points! your score decreases a lot when you apply for their loans. I informed them their payback is ridiculous and it is a rip off. For a {$1700.00} you have to pay back almost {$3000.00} so you are stuck fr a few years paying them back. I had an emergency and needed the money at the time but when I signed my paperwork with them while they were still Springleaf, my paperwork stated my payback was {$200.00}. When I tried to go back i to their electronic system to pull up my paperwork, it was changed. I argued this fact for months and filed complaints but no one ever addressed the issue and I only received the papers that were changed. Now I am stuck paying off a car that should have been paid off months ago because they are guilty of predatory lending. The get you excited to receive this loan that they are not going to give you and ruin your credit. I asked them why do you all keep sending me this info saying I am conditionally approved. This is totally a rip off and a scam.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2017-12-05
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. (MS)

Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATE ON THIS ACCOUNT ( XXXX XXXX Account No. XXXX ) Please show me documentation showing proof of a transaction where I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payments from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best Regards
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2017-12-05
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. (AL)

I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.
Consumer complaint received 2023-08-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (MT)

Company continues to call, harass and otherwise attempt to collect un-owed money from 2019. Lease was legally terminated between myself and the office due to countless issues of filth, pests ( cockroaches ), thefts and countless violations of Colorado law regarding habitability.
Consumer complaint received 2024-08-11
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: Experian Information Solutions Inc. (CA)

My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX U.S.C 1

681 Section 602 A States I have a rig ht to privacy. 15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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 2024-08-11
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: Experian Information Solutions Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I made a purchase for XXXX EUR with my Citibank credit card on XX/XX/XXXX and was charged XXXX USD + an additional 3 % foreign exchange fee. The XXXX was based on a conversion rate of XXXX EUR XXXX XXXX USD as I was told by Citi. However, the official exchange rate on XX/XX/XXXX was XXXX. 

I understand that banks/credit cards use rates that are somewhat different from the official exchange rate, but this difference seems quite outrageous, especially since they also charge 3 % foreign exchange fee on top of it. 

Citibank refused to explain to me how they determine their exchange rates and only sent me a document with vague description that doesn't really say much ( attached ).
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XX/XX/XXXX I noticed money was taken out of my account at capital one from XXXX XXXX  from XXXX XXXX so I called the bank and made a complaint with the fraud department so they told me that this has been happening since XXXX of XXXX I told them that I don't know a XXXX  XXXX and I didn't authorize any transactions so they told me I would have to make another complaint because they was trying take money out of my account when I was on the phone with the fraud department and the amount was over {$3000.00} so at the end of the investigation they said they didn't see anything wrong and I couldn't get my money back and they was going to close the investigation. So I ask why was the name XXXX XXXX on the statements was which to my name after I made a complaint I wasn't getting any answers so they finally told me that it was a glitch in there system and the investigation was closed and it's nothing that they can do about and they are sorry that this happen. I tried to get them to reopen the investigation but they wouldn't. I didn't know who to contact to try and get my money back
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I did a investigation on my credit file which these companies claimed that these accounts belong to me. I have information from the source that these accounts clearly don't belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX Both account are on my credit file and clear with the information I received don't belong on my report.