davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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)

I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and Equifax, XXXX, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, Equifax, XXXX, and XXXX   are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (OR)

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC (NV)

I took out a installment loan with XXXX XXXX XXXX, I made payments and paid down the loan, then had to take more money out. In XX/XX/2018 I had my first XXXX XXXX and I was unable to pay the current payment, Nevada has no XXXX in the State, the manager at the office I took the loan was rude and forceful about me having to commit to payment or he would do nothing for me. I said how can I commit to a certain payment when I have no income? He hung up on me. I tried to catch up the payment, I got back to work and had a second XXXX XXXX, then an XXXX with the XXXX  put in, then XXXX XXXX XXXX, all of which placed me back and forth in the hospital. I tried to borrow some money to make this payment, but could not. This company has called my employer daily and more then once, today I was informed by my employer that the person actually wanted to know what hospital I was in so he could contact me. When my employer would not tell him he hung up. Several more people called all day long and my employer called me again and said I must stop this, he can not run a business with all these rude people calling to collect this debt and asking inappropriate questions and refusing to stop the calls. My son was contacted as well, my sister was called and harassed and asked for a payment. Unfortunately I don't have money, I have paid so much interest, and all I ask for is more time, but they won't work with me and I don't know when I will be back to work.
Consumer complaint received 2018-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

There is a charge on my XXXX secure card for XXXX although the company recognize I didnt sign up for over the limit they refuse to remove the transaction that I didnt make to begin with I have sent the company documents of that prove this is in fact a fraudulent charge
Consumer complaint received 2018-09-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/2018 I took out a loan on a new vehicle with Chase and my financial situation was suddenly impacted by a significant loss of business a month later. I fell behind a couple of months due to the loss of business. My loan was only 60-70 days past due and Chase decided to repossess my vehicle. Immediately after the repossession I called Chase to inform them my financial situation had normalized and I was ready to pay the entire past due balance in full to get access to my vehicle. I also explained there was a temporary loss of business but that it had all been resolved and recovered. I was back in a financial position to resume with my loan. Chase denied me any options to renegotiate or pay the balance past due despite me having ALL the money ready so I could regain access to my vehicle. They said the vehicle would go to auction and I would be responsible for the difference. I explained to them that I rely on this vehicle for work purposes and I was back in a financial position to continue with the loan. They said the decision to sell the vehicle had been made final and there was nothing they could do. I added that I had a previous relationship with Chase on another vehicle I financed through them which I paid on time for over 2 years. They refused to acknowledge that positive history with them.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UNITED STATES MINOR OUTLYING ISLANDS)

I have reward credit card from Bank of America where I pay {$20.00} a month. I was going through financial hardship but I'm in a better situation now and I was able to pay the entire balance.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

This complaint is to request the reimbursement of {$160.00} dollars, fraudulently charged on XX/XX/2018 to my HSBC XXXX XXXX XXXX   XXXX Master Card No. XXXX at the VIP lounge located at terminal E in the XXXX airport ( XXXX XXXX XXXX ) Here is what happened ; On XX/XX/2018 I was flying with my son from XXXX to XXXX. While walking through the terminal E at the XXXX airport, I saw the Master Card logo at the VIP lounge, and decided to go and ask if I was eligible to access the lounge for FREE using my HSBC XXXX XXXX XXXX XXXX Master Card. The lady at the front desk asked me for credit card to check if I was eligible to access the lounge for FREE. In less than 10 seconds she confirmed that we were allowed to access for FREE and without providing me any voucher or receipt ticket she welcomed us ( my son and I ) to the lounge. We stayed at the Lounge for less than 15 minutes, since our flight was on time. Please note that my credit card requires an electronic signature ( PIN ) to process any payment, but in this case, I did not signed anything ( either on paper or electronic ) that is why I suspect this is a fraud. In XX/XX/XXXX when I received my Credit Card statement I noticed a {$160.00} charge by XXXX XXXX XXXX even though I was told it was for FREE and without me signing anything ( either on paper or electronic ) ; therefore I please request the {$160.00} dollars reimbursement. Please note that I have requested the reimbursement several times to HSBC Bank, and to XXXX XXXX XXXX without success.
Consumer complaint received 2024-10-03
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. (NY)

Recently checking my credit report I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I received a called from this rude woman that work for XXXX ( National Credit System ). National Credit Systems is stating I have a balance of {$280.00} from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX and I have never applied to XXXX XXXX XXXX. The date the application was run/processed is the date I was in the hospital ( XXXX XXXX, MN ) having XXXX. I did not get discharged from the XXXX XXXX until XX/XX/2018. So I would like to know how I was able to apply for an apartment when I was in the hospital. I never called, toured or even had any dealing with XXXX XXXX XXXXs. I asked XXXX ( National Credit Systems ) to send me e copy of the returned check, application with signature and drivers license. XXXX ( National Credit Systems ) has failed to provide me with that information. The XXXX account is # XXXX. Also, I never received any type of notification from this company. I will press charges on XXXX XXXX XXXX and XXXX for harassing me with false information. I would like for XXXX to be investigated. I have asked this company multiple times to send me all the information and they refused.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/year> Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i have attached the FTC report and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize please see attach ftc.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (FL)

. Seterus reported late mortgage payments on my credit report that are not accurate. They have listed me as being late 30 days XX/XX/2017,XX/XX/2017 and XX/XX/2017 and 60 days late XX/XX/2017 ( I was 30 days late on the XX/XX/2017 payment ). Many payments were not credited to my account correctly. I have tried to dispute this though the credit bureaus, but was told that the information had been verified, but received no proof of this. This is damaging my credit score. I made on line payments and telephone within the grace periods, but these were not credited to my account in a timely manner.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XX/XX/XXXX, I called XXXX XXXXXXXX XXXX and enrolled my credit card in their Coronavirus XXXX XXXX ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to TransUnion regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXX XXXXXXXX XXXX and TransUnion multiple times in XXXX and XXXX. I sent my first dispute letter to TransUnion in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to TransUnion in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but TransUnion still shows the incorrect information ( late payment on credit report attached ). 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXXXXXX XXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that TransUnion is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed information may not appear on my credit report.
Consumer complaint received 2018-09-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, please i have two hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 not yet XXXX/XXXX Inquiry from XX/XX/2018 has Removed this two inquiry i Contacted XXXX Credit Dispute and i received letter from them in process to remove and TransUnion removed only one so i made this complaint to remove another one Thanks
Consumer complaint received 2018-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

In XX/XX/XXXX, I entered into a payment agreement with Navient, I would make monthly payments on the XXXX of each month for 14 months. In XX/XX/XXXX, my debit card was stolen. I wasn't sure if I would need to change my card number if Navient. On XX/XX/XXXX, I knew my payment had been processed so I called and updated my information. The payment was processed on XX/XX/XXXX and each month following my payment was paid. I got a delinquency notice in XX/XX/XXXX, my mother said her credit score had decreased because of Navient. I called and the man did a research request on my account to discover what the problem was because he could see my on time payments. I got a letter that said I had not been making full payments but I had been in accordance to my payment agreement. I called again on XX/XX/XXXX and the woman said when I updated my payment information in XX/XX/XXXX, she put in a request to have the payments corrected however would not give me any kind of confirmation of this. I asked for a copy of my payment agreement and she said it couldn't be sent out until XX/XX/XXXX and to not make any additional payments on the account outside of what I had agreed to last XXXX.
Consumer complaint received 2018-09-20
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: U.S. BANCORP (NV)

I canceled one out of the two pet insurance policies I have with pets best on XX/XX/2018. I was told I would be getting a refund for the canceled policy. The amount I was told would be refunded back to me was XXXX. Weeks go by and finally I see a refund of XXXX out of the XXXX. I called pets best on XX/XX/2018 and was given the run around. I finally called Us Bank on XX/XX/2018 and was told due to a fraudulent charge on my credit card the fraud department blocked the refund so it didn't go through and I never received it. US bank never told me nor was I ever notified about the refund being blocked and not going through. The customer service representative was rude and unhelpful and did nothing to help the situation and she told me I can't dispute the transaction and need to contact the merchant.
Consumer complaint received 2018-09-22
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 have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (NM)

File number XXXX. This company has been contacted, and cooperated with law enforcement concerning this load that originated as a result of identity theft. This company has had correspondence with me regarding this, but have asked specifically for a police report, which is not supplied in the case of identity theft such as this. Law enforcement explained this to them while serving subpoenas to them. They still placed this debt on my credit report fraudulently.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (HI)

XXXX XXXX calls me several times a day trying to collect a debt they said I owed from XXXX XXXX in XX/XX/XXXX. Ive never banked with XXXX XXXX in my life. They have called my wife, mother and me repeatedly and threatened me with a court summons. I have told them that they are mistaken and I asked for proof of the debt to be mailed to me. They refused and insisted I pay them. Most recently, they threatened to continue calling me all hours of the night unless I pay them. They call from numbers all over the country.
Consumer complaint received 2024-10-02
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. (FL)

I am writing to formally file a complaint regarding the failure of XXXX, Equifax, and XXXX to properly investigate and address inaccuracies in my credit report, despite my previous submissions of accurate and up-to-date documentation. 

On XX/XX/year>, I submitted a report to the Federal Trade Commission ( FTC ) concerning fraudulent accounts incorrect addresses and inquires on my credit report. Along with the copy of ftc report, I provided XXXX, Equifax, and XXXX with a copy of my driver 's license, a utility bill, and a bank statement to verify my current information. However, these credit reporting agencies have failed to conduct a proper investigation, and the fraudulent accounts and incorrect addresses remain on my report. 

These inaccuracies are negatively impacting my creditworthiness, making it difficult for me to apply for credit and other important financial opportunities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate accounts and addresses be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that these credit reporting agencies comply with their legal obligations to conduct a thorough investigation and maintain accurate information.