davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF HAWAII CORPORATION (HI)

I have contacted Bank of Hawaii to defer payments for my Covid loan. I initially contacted them in XXXX, but was told I had to call back after my first payment was made. I contacted Bank of Hawaii XX/XX/XXXX to defer the loan. The agent told me I could choose to defer two months : XXXX or XXXX. I chose XXXX, he said ok, and called me back XX/XX/XXXX to confirm my choice. I confirmed XXXX due to my financial difficulties due the Covid shutdowns locally and nationally. 

Today, XX/XX/XXXX, a Bank of Hawaii Collections agent called me to confirm the paperwork for the deferral. In the paperwork, I am being charged a {$15.00} interest and late fee charge for my XXXX payment. I had paid my full minimum payment due for XXXX with the loan payment on XX/XX/XXXX. This payment was automatically deducted from my checking account. 

The bank reversed this payment XX/XX/XXXX, then charged a late fee and interest payment, referring my account to their collections department. When I refuted the late and interest payment with the Bank of Hawaii agent, she told me that this was all in the loan terms and I had agreed to it. I told her I had not seen the loan terms or agreed to the late payment. I am still being charged and have only four days over a three day weekend, receipt due XX/XX/XXXX ( a bank holiday ) for them to receive this paperwork and payment, which must be mailed, otherwise the deferral is void. 

This kind of thing needs to be stopped, especially when they are the ones handling covid funding granting.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have sent certified letters and a FTC report as well a copy of my id n ss card to Equifax XXXX XXXX and these agencies are still reporting inaccurate information .per The Law 15 U.S.C 1681 and U.S.C 6802 these agencies are reporting different late payments on this account in which I have stated several times to these agencies is not my account. the hardship they have caused me is very overwhelming they have violated my rights per ( FCRA ) in which I am promised accurate reporting might I state that XXXX deleted this inaccurate information immediately from my credit file
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-05
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. (NC)

Upon looking at my credit report, I noticed unauthorized inquiries reporting. It looks like some applied in my name. I have written multiple letters to Equifax as well as called multiple times to correct this mistake. As of today, nothing has been done. The inquiries are still reporting. According to the FCRA, legally these unverified & unauthorized items MUST be removed! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already submitted a police report via mail. As well as already contacted the original creditors.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

I sent in a payment to navient and they received it on  XXXX   XXXX ,2017. I have for the pass several sent my payment to the address of  Navient   XXXX .  XXXX   XXXX   XXXX  PA  XXXX   XXXX . They send me a notice on  XXXX  2017  stating I had made no payment. I check my checking account and somehow the check was cashed but sent to  XXXX   XXXX . The first person on the line told me I sent my check to  XXXX  Georgia and I told her that was not true after debating with her for a few I asked to speak with a supervisor.  XXXX  #  XXXX  told my check was since to t he education departmen t I told her for the past  3-5 years  I have sent my check to the same address and neve r had one pro blem after debating with I asked for her supervisor. I held the line for a few minutes she came back and told me her boss refused to talk me but they would accept my payment. I told her I could not make another payment she told they would send back my payme nt in 4 to 6 week s and then I could pay my concern is my credit and the that someone at Navient made an error and sent my check to my old student loan payment center  XXXX   XXXX  I have the check to prove it the number is check  XXXX  from  XXXX .  XXXX  would tell would to contact corporate management she did give me the name of the CEO  XXXX   XXXX  but when I ask for a email or some way to contact him she refused to give me the information. I need to know if there are any class action law suit against Navient and how do I file on.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-06
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. (NC)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-09-05
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. (HI)

Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account XXXX XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXXXXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account XXXX XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$630.00}. 
Account XXXX XXXX XXXX, Account XXXX XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name Family Support Division, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (OH)

XX/XX/30 @ XXXX - spoke with someone for XXXX minutes informing them I lost my job and my last check should be deposited Monday XXXX and I would make my payment then. 

XXXX @ XXXX - spoke with someone else and told them I spoke with someone and already told them I would make a payment on the XXXX. 

XXXX @ XXXX- they called again and I ignored the call. 

XXXX @ XXXX- they called again and I spent XXXX minutes on the phone with someone again and she filled a complaint per my request. I told her she was harassing me. 

XXXX @ XXXX- they called again and I spent XXXX minutes on the phone with someone who verified he can see my complaint, I asked for a supervisor. He told me that one was not available.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I rented a vehicle from   XXXX   XXXX   XXXX   in  XXXX  with my  American Express Card.  Claim #  XXXX    XXXX   XXXX   dates   XX/XX/2017 - XX/XX/2017   Vehicle VIN  XXXX   XXXX   XXXX   XXXX  On   XX/XX/2017   had minor accident that left paint scratch on bumper.     XXXX   XXXX   is over charging my credit card a random amount of money that includes fees for dimished value {$2500.00} and loss of use {$520.00} that it is refusing to justify or explain.   Filed insurance claim with  American Express  and placed dispute.     XXXX   XXXX   does not cooperate with AMEX rental insurance and does not provide necessary documents to justify charges and tells me that it 's not their problem how I get the money back from the credit card ; especially charges of {$520.00} " loss of use '' {$2500.00} " dimished value ' ' American Express i s going to resolve the dispute in  XXXX   XXXX  's favor, despite not  XXXX  not having submitted the necessary documents and leave me on the hook to pay for all of it.
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (IL)

I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with  XXXX   XXXX   XXXX . in  XXXX   2016  and is now an active wage garnishment since around that same time.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-06
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-05
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. (NC)

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to alert you to fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my authorization or awareness, causing me considerable distress. I have fallen victim to identity theft and have already reported this incident. This situation requires urgent attention, as it has negatively impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any required evidence and, if necessary, initiate legal proceedings to safeguard my rights and seek appropriate restitution. Your swift action on this critical matter is greatly appreciated.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am submitting to formally dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as they does not belong to me and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4100.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7300.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them and no response from them
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (TX)

I sent Velocity Investments , LLC. a request for validation of a debt on XX/XX/2020 and it was received on XX/XX/2020. This alleged debt has already been paid and I am yet to receive a response from this company in reference to my debt validation request letter pursuant to 15 USC 1692g ( a ) of the FDCPA. They have engaged in deceptive, illegal and abusive debt collection practices.
Consumer complaint received 2021-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CA)

In XXXX of XXXX I visited XXXX XXXX of XXXX to discuss the terms of a vehicle I was currently leasing from them. I ended up being pressured into purchasing another vehicle ( XXXX XXXX XXXX ). When I drove away in the car, I was under the impression that my new loan would be transferred to the finance company I was working with prior to XXXX, XXXX XXXX. Approximately a week after my purchase I received a letter from XXXX XXXX stating that they will not be financing my new vehicle. Soon after I received a letter from Santander Consumer USA informing me they would be the company financing my new car. It was at this time I learned the interest rates were outrageous. My monthly payment is {$490.00}, yet only {$56.00} of that payment goes toward the purchase of my vehicle. That means I am paying {$440.00} per month in interest alone. I would have never knowingly agreed to those terms.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I made a payment to cap ital one f or {$280.00}. They claim they have returned check for this amount. Contacted my bank  XXXX  who told and gave me ( written confirmation ) that  capital one never   attempted to draft {$280.00} and they never returned it obviously. I tried correcting this error by phone multiple calls send documents proving capital ones mistake. Capita l one stat ed they would not reprocess the original payment that I had to make it again. Well I did and still  XXXX  has not seen any pending drafts from my account ( I made the second attempt to pay 3 days ago ) since having the card maximum time frame is 2 days during the  week 3 on  weekends ... it 's weekday. Cap ital one h as chosen to close my account. Told me I had to honor my payment without having access to my  XXXX  cards. This has left me without food drinking city cloudy tap water until Tues  XXXX   XXXX  and only this soon because I receive my paycheck. The documents I have show there 's not stop payment on my open   XXXX   account there previous drafts and pending drafts showing there was no attempt on capita l one to collect a copy of my statement showing I have had the fund available to capital one since I 've made the original first payment. Capital one is violating  there terms and conditions we agreed upon when I originally signed up with them. Considering the error is on there end I feel my account show be open and shou ld of not been closed and any negative information from this should not affect my credit score. After providing proof capital one has changed there reason to why they closed my account however fact is they did n't process a payment and fraudulently marked my account with a returned check. I want this matter resolved immediately. Capital one continues to say they have to review the documents I sent .... no what capital one should have done w as collected my original payment then my account would still be open and they would n't of screwed up my credit wen I was planning on buying a house in the next few months.