davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I am filing a formal complaint against Equifax due to the negligent management of my credit report, which contains incorrect names and addresses associated with my credit profile. These inaccuracies, resulting from a lack of proper control and verification, constitute a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605, 609, and 604.

Upon reviewing my recent credit report, I discovered that Equifax listed information not associated with me, including incorrect names and addresses. This improper association of personal information has negatively impacted my credit profile and demonstrates that Equifax is failing to verify the accuracy of the information it maintains, as required by the FCRA. 
Specific Issues of Concern Negligent Association of Incorrect Data : Equifaxs records contain names and addresses unrelated to me, likely due to inadequate control and verification processes. This practice misleads lenders and harms consumers by falsely linking unrelated accounts and information.

Failure to Verify and Maintain Accurate Records ( FCRA Section 609 ) : As a consumer, I have the right to demand accuracy in my credit file. Equifaxs failure to ensure that only verified and accurate information is reported infringes upon my legal rights under Section 609 of the FCRA.

Non-Compliance with FCRA Section 605 : Equifax has also failed to provide evidence supporting the retention of employer information in my credit file, which I did not authorize and have no obligation to report.

Negligent Reporting of Unnecessary Data ( FCRA Section 604 ) : Equifax continues to retain unnecessary information, such as incorrect phone numbers and personal details, without legitimate cause. These actions result in the retention of irrelevant information and fail to comply with the law. 
I request that the CFPB investigate these issues promptly to ensure that Equifax : Removes all incorrect names, addresses, and any other data not directly verified as belonging to me. 
Implements measures to prevent these errors from recurring in the future. 
Verifies and maintains only accurate, legally authorized information in my credit file, as stipulated under FCRA regulations. 
Thank you for your attention to this matter. I look forward to your swift action in enforcing compliance with FCRA guidelines and protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (IL)

Incorrect Personal Information : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX  XXXX XXXX XXXX   was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, XXXX XXXX XXXX, via email and phone. I was referred by them to Halsted Financial Services, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-10-08
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-11-03
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZARVAD III S.A. (IL)

On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. 

Kind regards, XXXX XXXX
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX  and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I applied for the Chase XXXX premier rewards XXXX XXXX Mastercard around XX/XX/2018. After talking to a lending specialist on the phone the day after, and getting fully verified ( due to a fraud alert that is on my credit report ), I was approved for this card with a {$12000.00} credit limit. Everything was good, until I notice my card got declined when I was making a {$3.00} coffee purchase on XX/XX/2018. I immediately logged into my account, and notice that this account was stated as closed. After contacting the phone number on the back of my card, inquiring about what is going on with this card, they told me that they have no idea why the account has been closed ( no notes on the account ), however, the account was closed on XX/XX/2018 ( one day after the {$89.00} annual fee was posted ), a letter has been sent out, and a phone number I could call : XXXX ext. XXXX. 
There is a credit card agreement between JPMorgan Chase and the card holder. I have not violated any of the terms in that agreement. My credit standing/score is still as good as the time I applied for the card, with no sudden negative change, that might be deemed risky on Chase 's side. At this point what has happened is not credit-related ( therefore, violation of the fair credit reporting act ), and a case of discrimination. If chase did not want to do business with me ( I am a chase private client by the way ), they should have just declined my application with no credit pull stating exactly that fact as their reason. Doing this was well within their rights as a business, and I would have understood. However, if they have let me apply for a card, done a XXXX hard pull, approved me based on my credit, and then, all of a sudden, out of nowhere, my account has been closed by a secret department in Arizona for reasons that are unrelated to my credit, is ludicrous beyond belief, and a case of discrimination ... As a chase private client, I am really disappointed in how chase is conducting its business, and would like to request my credit card account to be reinstated immediately.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2018-11-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AR)

In XXXX we were sent a escrow overpayment check from our mortgage company Amerihome Mortgage. In XXXX we received a statement and our payment had gone up. We called the mortgage company and they explained to use that the payment had gone up due to a shortage in our escrow because of a forced gap insurance on our policy. We asked then why there was a shortage when we had only had the house a year and it was enough to receive the mortgage. We made the payment to cover the " gap insurance '' and our mortgage went back down. Then in XXXX there was another credit for over payment. In XXXX we received a mortgage statement and our payment had gone up again. The first customer service rep told us that it was extra insurance added due to earthquake insurance. ( which is covered under our home owners and we are not on a fault line ) The next day we received another call saying it was not earthquake insurance but more flood insurance. ( which would now make twice on top of our original flood insurance we already pay ) The customer service rep stated that we pay {$2400.00} a year in insurance and we need to maybe look around for other insurance. We contacted our insurance company which states that we only owe {$1600.00} a year. When we contacted the mortgage company again the customer service rep just kept arguing and hung up on me. They are telling me that it is extra insurance but our insurance says otherwise and frankly we are at a breaking point.
Consumer complaint received 2018-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX  so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. 
I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. 
XXXX XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (VA)

ATTN : SYNCHRONY/XXXX  PHONE XXXX XXXX On XXXX I checked my balance on my XXXX  account I saw my balance was much higher than it was because of a charge that I was not aware of {$1200.00}, so I called XXXX and they stated that yes there was that charge of {$1200.00} and someone tried to charge another {$3000.00} to my account but could not because my credit limit would not allow them to. I then talked to the XXXX XXXX XXXX. and they did cancel my card and stated they would do an investigation. So after that I checked my XXXX  account I could not get into my account for the shopping because whoever hacked my XXXX shopping account changed my password and address for mailing. I than checked my orders and saw the amount of {$1200.00} for the product and immediately canceled the order. After that I called the XXXXSynchrony Bank Fraud Dept . back and told them what I did and gave them the address that was changed on my account which was XXXX XXXX XXXX XXXX, XXXX, New York XXXX. I value my account with XXXX and want to always have a good credit rating with them. My issue is with following : 1.. I did not make these charges and want a resolution to this issue. 
2.. When I talked to your Fraud Dept. I was made to feel that I was the one in the wrong when I knew nothing of this account activity until I looked at my account activity. I feel you need to train your employees to be more empathic because I am sure this happens to a lot of people and it is not their fault. 
This is something that I did not cause and I want to make sure my credit is not affected. 
Thank you.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.
Consumer complaint received 2024-11-01
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. (DE)

My Credit Profile is inaccurate which is not fair to me. Please Investigate this and fix it. I'm really sick and tire of these XXXX. Should there should be any updates on my inquiries. I'm gon na go to the court.
Consumer complaint received 2018-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/XXXX orXX/XX/XXXX my car was repossessed. In order to obtain my car, I had to pay all the late fees and bring my account current. Now I am finally able to come to my last payment and Toyota has added {$1500.00} in late fees. After I had my car repossessed, I never missed any payments. I feel that Toyota is attempting to recover late fees that have already been collected. Each time that I would call, they would tell me that there was no late fees and not to worry as they would drop at the end of the loan. This is my first car purchase and I feel they are trying to take advantage of me.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Klarna AB (NJ)

Made purchase on account dated XX/XX/XXXX for {$140.00} which is not interest free. However, made payments of {$90.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX which more than covers the amount of this purchase mentioned above. However, Klarna still decided to charge me interest on XX/XX/XXXX for {$2.00} and XX/XX/XXXX for {$2.00}. I should not have been charged this, the only other purchase on this account is a promotional purchase expiring XX/XX/XXXX.
Consumer complaint received 2018-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 I checked my XXXX credit report, I notices two accounts on my report that not mine .I disputed this threes times with XXXX and they keep saying they verified accounts. But they NEVER sent me proof of accounts. I asking them again for a signed contract that shows my signature on it. If not they need to delete accounts from my report immediately. Accounts below XXXX XXXX XXXX # XXXX Open Date XX/XX/18 {$4000.00}
Consumer complaint received 2018-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/2018 I applied for the American Express Green card. On the we page from American Express which I applied on it stated " Special Offer for you! Earn 25,000 Membership Rewards points after you spend {$1000.00} dollars on purchases on your new card within the first three months! '' I proceeded to apply and was subsequently approved. After meeting the terms within the first month I waited for my bonus to post to my Membership Rewards account but nothing came for 3 months, and that is when I made my first inquiry to American Express. I was told an investigation would be opened but never heard anything back. A few months later, after repeatedly attempting to get information regarding my inquiry, I inquired again and they said " We have reviewed you account and do not have a record of the 25,000 points offer being extended to you. Therefore we are unable to award these points to you. ''
Consumer complaint received 2018-11-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (VA)

I have contributed over {$670.00} to my MoneyLion Investment account, not including the profit from investing or the extra {$1.00} per day login credit. On XX/XX/2018 I initiated my first ever transaction on this account by transferring {$200.00} and depositing it into my MoneyLion Checking account. After the transfer, my balance dropped to around {$490.00} which seemed accurate. A few days after my withdrawal of the {$200.00} I wanted to withdraw {$400.00} from my account but received an error. I tried over a span of a week and still was unable to transfer the funds even for lesser amounts like {$100.00}. I attempted to contact Moneylion over 3 times through chat and over the phone and still did not get an answer as to why I was getting an error. Recently my Investment account dropped from over {$490.00} to {$250.00}. I tried calling, emailing, reaching them through the chat via the app and through facebook messenger for two weeks and they have not given me any information regarding this issue. I really liked this company because it helped me finally build savings, but all the money that I contributed is gone.