davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (NY)

On XX/XX/XXXX I took delivery XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in XXXXXXXX MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided 3x in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped 70 points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the 700+ score I had before.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, Equifax, and XXXX  and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (MD)

I had been driving with XXXX for 5 years when on a routine background check the rejected my employment because of a background report from Checkr. When I look in the report Checkr has sent me there is no negative information. I paid to run an independent report from XXXX which came back clear. Checkr has irreparably damaged my employment opportunity with XXXX.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

The questions answered in this complaint do not directly reflect my specific problem. I recently received and alert from a separate credit monitoring service that my social security number was available on the dark web. I responded by accessing all three major credit reporting agencies ( XXXX, XXXX and Equifax ). I confirmed that all three accounts have credit freezes. I also turned on a fraud alert. I checked each service to make sure there some sort of multifactor authentication when logging into each account. Both XXXX and XXXX offer this. To my shock, Equifax ( a major credit reporting agency ) does not offer any type of multifactor authentication to protect my account. In XXXX  they had a major breach and seven years later my data is still not properly protected. Ironically it appears they offer XXXX XXXX  to other companies. If this isn't negligence then I don't properly understand the meaning of the word.
Consumer complaint received 2021-10-06
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. (VA)

It is more than 2 months since I mailed out my letters for the credit bureaus to remove incorrect details on my credit report. I havent got any respond from them up to now. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thank you.
Consumer complaint received 2019-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarFinance Capital LLC, Irvine, CA Branch (IL)

Car Financial was paid in full this year in the month of XX/XX/2019. I also have a XXXX  credit card, XXXX account, XXXX account, small commercial loan those current up-to-date. And none of these are being reported on my credit. In fact two days ago I watched my score take a 56-point plummet. In the last year or so I've watched my credit score go lower and lower when in fact I have been trying to increase my score, I don't feel that I am being judged fairly this needs to stop. Please help me. And I would like to thank you in advance.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

I am writing to file a formal complaint against Equifax regarding their handling of my request to remove fraudulent accounts from my credit report, which resulted from my experience as a victim of XXXX XXXX 

I have provided all three major credit bureausXXXX XXXXXXXX, and Equifaxwith the same documentation, which includes proof of my XXXX XXXX  status, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ). Both XXXX and XXXX reviewed my documentation, accepted it, and promptly removed the fraudulent accounts from my credit report. 

However, Equifax has refused to take similar action. After submitting my documentation, Equifax responded by stating that more documentation was required, without specifying exactly what was needed. When I contacted them for clarification, I was met with rude and insensitive customer service representatives who failed to provide clear guidance or transparency regarding the results of their investigation. 

This experience has been highly distressing, and I believe Equifax 's actions are inconsistent with their legal obligations under the XXXX and FCRA. I have already provided sufficient documentation, and Equifax is adding unnecessary hardship to an already traumatic situation. Furthermore, their failure to notify me of the results of the investigation is a violation of consumer rights. 

I respectfully request that the Consumer Financial Protection Bureau intervene and compel Equifax to remove the fraudulent accounts from my credit report, as they are required to do under the law, without requiring further documentation. XXXX and XXXX have complied with the same documentation provided, and I ask that Equifax be held to the same standard. 

I also request that Equifax be held accountable for the emotional distress their unprofessional and insensitive handling of my case has caused. Their refusal to follow proper procedures has delayed my ability to move forward from my experience as a XXXX survivor.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Identity theft-related accounts appear on my consumer report without my written authorization or wet signature. Following my recent communication with your organization on this issue, I formally request the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If this matter is not adequately resolved, I am ready to pursue legal action to defend my rights. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including home ownership and meeting my family 's needs.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I received a retroactive interest rate refund ( {$220.00} ) from CITI, XXXX XXXX XXXX, XXXX, OR XXXX. This refund check is issued in agreement with the Bureau of Consumer Financial Protection for flaws in CITI 's APR review between XX/XX/XXXX and XX/XX/XXXX. The contact number on the letter is, # XXXX. The escalation of the calls to this number determined that this is a company, XXXX that generates the refund checks for CITI. The customer service number on my CITI statement, # XXXX also determined that this is handled by XXXX. They could only explain the generation of the check and therefore, could not answer my questions. After 2 hours of inquires, I reach XXXX, Supervisor - CITI. My demand is to receive an audit of my account regarding the flaw and the correction that generated the refund. She advised that I would receive a letter. She was informed that another word salad letter would not be acceptable.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

Chime bank is a deeply negative crooked scam company that does nothing to help their customers. I had an account 4 months, noticed an unauthorized transaction and emailed XXXX they sent a new card with a hold on my account once I got the card I activated it and immediately was suspended on their section 9 that states they basically can close your account for no reason WITHOUT A REFUND!!! this is an absolute outrage, Ive had my unemployment and sba loan saved up after our business burned down in the wildfires in California. This is not legal for them to take away covid 19 disaster money, especially during a pandemic with XXXX children that need food and supplies Ive gotten 4 different emails telling me different things, so confused and overwhelmed by frustration Ive sicken my stress into XXXX and had to rush to XXXX XXXX
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NY)

XXXX XXXX XXXX XXXX contacted me in early XX/XX/XXXX regarding a balance I owed of {$600.00}. I told them I would pay it. I made the payment through my HSA with XXXX XXXX, check # XXXX dated XX/XX/XXXX for {$600.00} was paid to XXXX XXXX XXXX XXXX. I have a copy of that check indicating they deposited it on XX/XX/XXXX. I received a collection notice from Capital Accounts dated XX/XX/XXXX indicating I owed {$600.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I mailed my response to Capital Accounts with a copy of the cancelled check. I then received notices that there was a new account on my XXXX and XXXX credit reports. Upon investigation I see the new account was the debt collector, Capital Accounts. I filed disputes with both XXXX and XXXX. I then received another bill from Capital Account dated XX/XX/XXXX stating I owed {$820.00} to XXXX XXXX XXXX XXXX. This amount is incorrect, as the original bill was {$600.00}, which was paid. I have not visited XXXX nor incurred any new charges to warrant the increased amount. I receive a response from XXXX dated XXXX/XXXX/XXXX stating verified as accurate even though I provided proof that I paid {$600.00} to XXXX  on XX/XX/XXXX.
Consumer complaint received 2021-10-06
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. (NV)

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746.

Sworn : XXXX XXXX Signed : XXXX XXXX SS # XXXX
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NM)

XXXX XXXX DIRECT EXPRESS XXXX XXXX  STILE ALL THE MONEY OFF MY XXXX CARD OVER {$1000.00} N LEFT ME OVERDRAWN {$450.00}!!!!! FOR OVER {$1100.00} IN FRAUDULENT CHARGES!!! THEY THEMSELVES TOLD ME TO DISPUTE THEY CAN NOT DVEN FIND AN ADDRESS OR PHONE NUMBER FOR TGESE CHARGES COMING FROM XXXX XXXX!!!!
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NY)

In XXXX, I applied for an LL Bean Mastercard. My identity was stolen shortly after I opened the account. During this time, I made a purchase in the amount of {$62.00}. I never received a bill for this purchase. I closed the account shortly after the fraud occurred. 

I did not hear anything from LL Bean Mastercard via phone, email, or mail about a balance due. I believe that LL Bean Mastercard may have had incorrect contact information for me due to the previous fraud that had occurred on the account ( where someone else changed my address, email, and phone number ). 

In XXXX, I received a letter from XXXX XXXX XXXX stating that I owed a balance of {$200.00} because of late fees incurred from non-payments on the LL Bean Mastercard. I disputed the fees, explaining that I had never received a bill, and agreed to pay a reduced fee. 

My credit report, however, shows that I made late payments on this account for 7 months and that my account was 90 days past due. I disputed this with XXXX, but they did not change the information on my credit report. 

I believe my credit report should NOT reflect late payments made on this account, because I could not have paid a bill I never received. I have a very good credit record and pay all my bills on time, so this information is misleading and erroneous, and is harmful to me. It has already caused my credit score to go down and I was denied a new credit card recently due to this erroneous information.
Consumer complaint received 2020-12-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (LA)

Exeter Finance is sending me emails related to one of their account holders " XXXX XXXX '' - I am not XXXX XXXX and do not know any XXXX XXXX. 

I emailed them. I also called them. When I tried to explain this to the account representative, he advised that they can not delete my email from their account.
Consumer complaint received 2019-03-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

Hello. My name is XXXX XXXX and I am a XXXX XXXX veteran. I just saw an article about Wells Fargo Bank ripping customers off by charging high fees. I use to be a customer of Wells Fargo a few years ago and canceled my accounts because they were charging me high fees for no reason. When I confronted them on the issue, they said they could not give me my money back because I did not make a complaint within 30 days. This made no sense because I contacted them numerous of times about the fees and they still charged them anyways. 

Wells Fargo was miscalculating the fees and telling customers they would remove them when they did not. Since it did not stop, I canceled my accounts. I was very disappointed in them because not only were they ripping other customers off besides myself, they also targeted XXXX XXXXXXXX with their so called " XXXX XXXX '' accounts. I got no help trying to file a complaint against them and just gave up because these big banks were just doing whatever they want when they want. I was also dealing with another big bank XXXX that was also ripping their customers off. Something needs to be put in place so these big banks can stop discriminating and ripping-off their customers. 

How can I join in on the class action lawsuit against Wells Fargo? 

Cordially, XXXX XXXX
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

The original complaint that I filed has been closed, so I am opening a new complaint. 

LoanCare charged me for a payoff statement and has documented with the CFPB that they charged me for XXXX. They have not provided the payoff statement. I have two past payoff statements which are incorrect and LoanCare 's representatives have confirmed that past payoff statements were incorrect. LoanCare has not provided the most recent payoff statement that I was charged for. 

It is over XXXX weeks since my loan was paid in full.
Consumer complaint received 2020-10-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

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 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Counsel, Inc. (FL)

I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18for {$920.00}. I spoke to the management at XXXX  to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor.

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX  stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MO)

My credit card with Home Depot is issued by Citibank. The credit card company is not sending my all of my billing statements. When I have a XXXX balance or have a credit balance, I am not receiving my statements for the following month to show that the company received my payment or issued a credit to my account. If I have a XXXX  balance, I should receive my statements to show all of the transactions for the previous billing cycle. I did not receive either my XX/XX/2020 statement or my XX/XX/2020 statement. 

When making a payment at a Home Depot, the company will only accept my check if I do an electronic transfer instead of using ACH. Missouri law states that I must agree to an electronic transfer. If I choose not to, Home Depot should still accept my payment as they have done so in the past instead of trying to force me to do something that I have no legal obligation to do. Home Depot employees should be trained to know how to accept both ways.