davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-18
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. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Consumer complaint received 2020-02-19
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: JPMORGAN CHASE & CO. (NY)

I contacted Chase on XX/XX/XXXX in regards to two accounts that are not mine were found on my credit report. These accounts are not mine and FTC report was mailed to Chase. However Chase is reporting these accounts on my credit report.
Consumer complaint received 2023-07-18
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. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-02-08
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: California Business Bureau, Inc. (CA)

The credit reporting agency XXXX stated that this collection account was property investigated and came back as verified. However, how is this true when there is no proof of this account belonging to me? No evidence of a signed contract of the debt with the creditor and I have had trouble with other inaccuracies that were previously on my report that were removed due to them being invalid and fraudulent.

As a consumer, I request to know all of the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Between XX/XX/2020 and XX/XX/2020, someone lived at XXXX XXXX XXXX, XXXX, TX. Their account with XXXX XXXX in XXXX had an unpaid balance of {$320.00} and was charged to an account with the name XXXX XXXX. My name is XXXX XXXX. This person used my SS # and my date of birth on this account. XXXX XXXX  turned the delinquent account over to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX XXXX They in turned the delinquent account over to Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, XXXX. We have sent Identity Theft Affidavit to Resurgent. We have sent letters to Resurgent and to XXXX XXXX explaining that this was not our debt. We do not know the name of the person creating the debt. XXXX XXXXXXXX could not give us their name or phone number. We do not know if this was identity theft, fraud, or a mistake on the part of XXXX XXXX. In any case, due diligence would have made it clear that the person opening the account with XXXX XXXX was not me.
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

So in XXXX I have put my car in the shop, I contacted affirm because I thought I needed a rental car, the other party was XXXX, XXXX help me get a rental car from XXXXXXXX XXXX XXXX XXXX on the same day, wow I was in line getting ready to get the rental car, the mechanic shop had called me and told me that my car was fixed, so I walked up to the counter spoke to the lady at the counter for XXXX XXXX XXXX, and informed her that I would no longer be needing the rent a car because my car was fixed, but before I even reach the counter I also called a firm and XXXX and XXXX reservation to let them know that I no longer needed the car because my car was fixed, XXXX XXXXnformed me that they wasn't going to charge me and they didn't, XXXX kept giving me the runaround, affirm had told me that they wasn't going to charge me unless the merchant which was XXXX charge me, they agreed loan was {$500.00}, when I called The firm to dispute XXXX claim of me on them a whole {$500.00} affirm done started five or six different dispute in all of them was in favor of XXXX to charge me the full amount of {$500.00}, but the price went up to {$590.00}, and that is not what we agreed upon and even after the loan my taxes was already calculated and everything was already calculated and then they wanted to add in more money, I normally don't deal with XXXX because XXXX have ripped me off before, but a firm is supposed to protect us from companies like this and I'm being ripped off again, a product that I did not use I'm not getting credit for it for the days that I didn't use or my money back and I just paid for the one day that I took the car due to the XXXX XXXX  lady telling me to take the car for a day and return it back the following day, I turned around the car in at XXXX in the morning, but once again no credit has been given to me no no nothing has been given towards me towards my way, just me being told I have to pay XXXX, when our agreement was XXXX, and I don't understand why should I pay the full amount when I have not using the car only to take it to my house and back to the airport. I feel that this long became predatory because I tried to fix this problem with a firm and XXXX I kept getting hung up on even by supervisors and hire at management that's why I'm reaching out to your company.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TX)

My loan was included in the XXXX v. XXXX XXXX. The court order gave servicers until XX/XX/2024 to discharge the debt, update our credit reports, and refund any money paid towards it. I continued to follow up with Nelnet. And each time, I am advised that it will be completed and there should be a forbearance. I do not want a forbearance, I would like my loan to reflect the correct amount. At this time, it does not and my credit report is inaccurate as well, which is a violation of the FCRA. I am not sure what the delay is. When student loan payments resumed, it showed I had a payment of approximately {$100.00}. This is based off of a large amount of the XXXX XXXX XXXX loan that should be discharged. I am currently on the phone at XXXXXXXX XXXX  XXXX on XX/XX/2024 with a supervisor at Nelnet who has me on hold while he does some digging into my account. Apparently, he stated they were advised the education board to continue to hold these loans in forbearance until they were resolved. Yet, mine has a due date of XX/XX/2024. I am not sure where the breakdown is. Now, I am being told I have to be approved by Nelnet. I am confused because all my communication has advised me that I was approved. I attended the XXXX XXXX XXXX. He is sending this up the chain of command. So, I do not have a forbearance and this is still reflecting a payment is due tomorrow. This is ridiculous as these servicers have had a year to get these resolved and determine how best to handle these. This is a violation of the court order.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

my name is XXXX XXXX I moved into these apartments pre-Covid, I have never been late in XXXX I notified management that I would be leaving the property because of my transfer as I am a XXXX XXXX, The manager on duty on time said that would be fine, He said I needed to clean unit, and hand in all keys, he stated, that, I would not receive any late fees, or incur any pentalities, I cleaned unit, and gave keys to manANGEMENGT, I asked him again would I owe any fees he stated I would not, because of the Cover relief bill I would not be charged any late fees, or have any broken lease fees, Under the COVID RELIEF BILL, I WAS AWARE I COUULD MOVE OUT OF THE UNIT AND NOTIFIED THEM THAT MY MILITARY UNIT WAS CLOSED AS WELL AND THAT I HAD A TRANSFER TO XXXX, THE MANAGER SAID IT WAS FINE, NO PROBLEM, IN XXXX I APPLIED FOR A APARTMNET AND WAS DENIED, BECAUSEA XXXX DEBT OR COLLECTION HAD BEEN ADDED TO MY CREDIT REPORT, I NEVER RECIVCED NOTIFICATION, EVER THE COMPANY HAS NO SIGNED LETTER, ALSO MANY CONSUMERS HAVE STATED THAT WE WERE ALL TOLD TO MOVE OUT AS WELL AS THE COMPANY SENT LETTERS AND TEXT ASKING US TO USE OUR STIMULUS CHECKS TO PAY OUR RENT, THEY ALOS SAID TO AVOID EVICTION COST TO MOVE OUT N LATE FEES TO MOVE OUT, AND TO NOTIFY THEM, THIS COMPANY HAS MANAgers that switch, and each one tells you a different thing, none of them known the truth, I'm a XXXX year old Army veteran and this is affecting my credit, I was denied the apart Im being charged and it was stated I would not be, I never ever received proof, I left the apartment in excellent condition, the manager at the time stated it was move in ready,
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Bought Use Car on XX/XX/XXXX : XXXX XXXX, XXXX XXXX body type : SD Odometer was XXXX. 
The price was {$16000.00} Capital One Auto Finance pre-approved {$1000.00} A down payment was {$1200.00} The amount financed was XXXX The total Cash price was {$18000.00} Loan paid off : XX/XX/XXXX for {$17000.00} The term of the Loan was 72 months. Also, the auto agreement includes Mos Debit Cancellation Agreement by Capital One. bank { lender }, and XXXX XXXX XXXX XXXX [ dealar ], my credit card was ( XXXX ) Because I have high interest for a year and 4th month, I end up owing more than my car was worth [ loan upside down ], and the monthly bill was also increased. And my Vehicle 's value depreciated and XXXX lost 20 % of its value in the first year. I was out of work due to the Covid-19 pandemic and couldn't make monthly payments, so I sold this vehicle at a Lien Sale ( Public Sale ) for XXXX. And on XX/XX/XXXX, the loan was paid off by XXXX. 


I think Capital One Bank didn't give me the right loan rate, which cause me to lose my car while also losing money. For a lengthy loan, the loan period is 72 months, that's equal to 6 years. The longer the car loan, the more interest I pay with upside down on my loan. The car loan destroys my credit whenever I miss or late on payments. One missed or late payment can affect your credit for 7 years. 


As part of the high-pressure tactics Capital One representatives used to sell these add-on products to their consumers, was approval loan with low monthly income. By the time of loan approval, my sources of income were a {$600.00} Veteran Pension ( monthly ) and I was unemployed, but getting unemploy benefits weekly. However, the Lender didn't offer me a secured loan using some form of property as collateral, and the loan was supposed to be a low monthly income after six months of loan tenure, which never happened. Also, the bank encourages me to buy as one of its customers. The Bank encouraged its customers to purchase a car by offering a car financing of US {$1000.00} as pre-approved financing, and also I got this offer too. 


Capital One Auto Finance Inc Street Address XXXX XXXX XXXX XXXX. 
Tx, XXXX XXXX Phone ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, VA, Phone : XXXX
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

( Reference CFPB Case Number XXXX ). I filed a CFPB complaint about XXXX XXXX/ XXXX XXXX Credit Card where the purposely moved money around in my account so that I would pay more interest. After I filed the complaint- they changed my regular account to a {$350.00} Balance- which is fraudulent. I only made one purchase in my regular account over the past year and it was for {$220.00}. 

How can I have a {$350.00} balance on my regular account when the only purchase I have ever made was $ XXXX and the {$220.00} was supposed to be paid off according to a conversation with XXXX XXXX XXXX  XXXX Customer service on XX/XX/XXXX. 

I received a letter from XXXX  XXXX  dated XX/XX/XXXX from a Ms. XXXX XXXX ( XXXX ) XXXX Extension XXXX and attempted to call her back many, many times. She will not return my phone calls or answer the phone. I do not believe this person exists. 

I was supposed to have only 2 deferred interest accounts open on my XX/XX/XXXX statement, but because I filed a CFPB complaint, my statement came in WITH FOUR ( 4 ) open account lines ( 2 deferred interest, 1 regular account and 1 fixed pay ) and a XXXX regular balance WHICH IS A LIE BECAUSE I NEVER MADE ANY REGULAR PURCHASES MORE THAN XXXX DOLLARS! 

I worked this out with Customer Service and when the error showed up on my XX/XX/XXXX Statement- the Customer Service representative WOULD NOT WORK WITH ME to fix the problem. This is why I had to file the CFPB complaint. 

This company should be shut down for malpractice and criminal activity. I will NEVER make a purchase from XXXX XXXX AGAIN!
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I am not able to get equifax to lift my credit freeze. I've provided everything they asked for three times. Their web site does not work, nor does their phone, nor does their fax, nor does U.S. mail. I can not apply for a credit card because of the freeze they have on my information. They sent me the form letter twice asking asking me for information that I've already sent to them
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (VT)

XXXX XXXX XXXX SOC SEC XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX CENTRAL PORTFOLIO CONT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CENTRAL PORTFOLIO CONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VT XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Kikoff Inc. (NJ)

I was charged a {$2.00} ATM fee by Kikoff for allegedly withdrawing {$20.00} from an out-of-network ATM. Kikoff is a brand of XXXX XXXXXXXX XXXX, and this is a checking account. The Kikoff XXXX card is marketed as a credit-building credit card whose spending limit is equal to the amount the customer has on deposit. In practice, it is a debit card like any other. The ATM I used is in the Allpoint network of ATMs, which I am supposedly able to use without additional fees. It was clearly indicated as such on the XXXX map. The ATM in question is owned by XXXX XXXX and is located inside a XXXX store at XXXX XXXX XXXX XXXX NJ XXXX. The date of the transaction was XX/XX/2023. I have attached my statement and a screenshot from the XXXX website clearly showing that the ATM I used is part of their network. Kikoff asserts that it is not.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

The collector sent me a letter dated XX/XX/XXXX with an amount of {$3900.00}. The letter indicated I had a right to dispute the debt by XX/XX/XXXX. The letter also saids I can dispute this debt directly through their website XXXX. I disputed the amount on XX/XX/XXXX via their website and wrote on the letter as a reminder. 

Nearly a month had gone by and I had not heard back nor received a letter with an itemized breakdown of the charges. So, I went back to their website and filled out there contact form and submitted a request to follow up on XX/XX/XXXX. I screen recorded showing the date and time and the request I submitted just in case. 

Fast forward to XX/XX/XXXX, my mother and I received a notification that the debt was reported to the credit bureau and showing on our reports. My mother called and spoke to a XXXX XXXX, who offered to get the account paid in full for {$1900.00}. My mom asked me to call in to handle the account as I was the primary. I called and spoke to XXXX XXXX and I immediately requested to understand why the collector did not honor my dispute request to show me a breakdown of the charges and proceeded to report it to the bureaus. XXXX XXXX claimed that I never submitted anything through their website. Which was false and I was attempting to file the screenshots and recordings I took, he transferred me to his supervisor. 

I then spoke to XXXX XXXX who I went back and forth with as she did not believe me and was continuing to claim that I never submitted anything through their site. Despite all the proof I have and was working on sending to her. She sent me an email with charges, but there was an amount listed for {$2400.00} and labeled as " Other ''. I asked her to explain those charges and she could not. I also explained to her the charges I had made several attempts to dispute with the leasing company before the charges went to debt collection. She did not believe me. I told her I would respond to her email with all the proof I have and which I did as of XX/XX/XXXX at XXXX XXXX. The email she sent me was not a direct one and a standard inbox. 

It appears they are running deceptive practices with their website, telling people to dispute through their website so that when individuals do, they can claim nothing was ever submitted and proceed with collections. I never received any confirmation email for the 2 times I made submissions on their website. I was fortunate enough to record my screen at the time so that the date and time showed as I feared something like this would happen. This debt should have never been sent to the bureau until it was validated and I should have been given a timeframe to pay down any actual owed debts before sending it over.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Hello, I would like help with my Barclays credit card XXXX account. A few weeks ago without any kind of notice my credit limit was lowered {$11000.00} to {$7500.00}! I use this credit card for everything because of the rewards to my son 's XXXX plan. This action is not fair to a good customer for over 15 years. 

I have NEVER paid late and I pay the entire balance every month. I received a letter stating that I had too much unsecured debt and that is why it was lowered. I have had debt for several years and slowly paying down each month so that explanation makes no sense to me. When I called for help I was connected to XXXX who did not listen to me and kept judging me about my debt. This decision by XXXX also lowered my credit score XXXX points. 

I am requesting my credit limit to be at least $ XXXX and also a better explanation for unfairly making this extreme reduction. 

Thank you, XXXX XXXX XXXX XXXX