davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 

XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2018-12-12
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. (IL)

I've tried to correct the fraud in my name with this collection agency numerous times and they continue to insist that it's owned by me. When I ask them to provide proof of my signature and or photos of the ID or driver licence used for each individual charge, they've have not done so. These are not my account. These accounts were used fraudulently. Both XXXX  and XXXX  have removed them from my credit report after XXXX XXXX XXXX provided no proof. However, XXXX has allowed them to just said that they've verified the fraud account without showing any proof. Please help me with this matter. The bills total {$100.00} and {$82.00}. Unfortunately, I don't know what date these accounts were used or made.
Consumer complaint received 2019-02-12
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 (GA)

On XX/XX/2019, I made a payment of {$320.00} on my credit card account. My credit limit is {$750.00}, and my balance is showing {$400.00} ; however, my credit limit is showing {$22.00}. I checked my account to see what was going on and I sent an email to see what was going on but never received a response. I contacted Capital One via telephone on XX/XX/2019 and was told that Capital One is holding the funds. Capital One has never held funds to my account in the past. Capital One has taken the funds from my bank account as of XX/XX/2019. Capital One has not notified me to explain why they have chosen to hold a payment in such a manner. This practice of holding funds for no reason is a shady practice. I far exceeded the minimum payment in an effort to get my credit balances down and Capital One is holding the funds, for what purpose? On my credit bureau accounts, it looks as though I am still using more of my credit than I am because it lists available credit. Capital One manages XXXX XXXX and it also fails to reflect the accurate information for my Capital One accounts.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OpenRoad Lending (AL)

On XX/XX/2018 I received a solicitation from OPENROAD LENDING, which stated that I was " Prequalified '' for a refinance on my auto loan. 

Since the payment they were quoting was {$80.00} LESS than the payment I had already been making for 10 months without a miss and the rate was lower, I applied. 

I received an email directing me to their website, which informed me my application had been denied While I am certain that they will quibble over the wording and intent, I believe this is deceptive, particularly since a denial negatively affects my credit score.
Consumer complaint received 2018-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax should not be reporting this! This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (CA)

So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on WELLFARGO CARD SER ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any response.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I XXXX  my XXXX  in XX/XX/XXXX u just had a baby I contacted credit acceptance to apologize because I was going broke and soon to be homeless. But I would do my best to pay something ASAP. XX/XX/XXXX car was repossessed and I paid in XXXX for it to be returned to me. I was given small jobs here and there with making just enough to eat and get toiletries and then Coronavirus came and the world changed even more dramatically. Kids cant go out in public and I cant find work safe enough to not potentially bring home the virus. I still cant find consistency with employment safe enough to be around my kids. So Im waiting for fraud to be Lifted off my case so that I may be able to pay my back due payments and keep my car which may be my only home soon if the economy doesnt change and some kind of money doesnt come flowing through I am trying my best I do need the vehicle to continue to try so I just need a little help
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NY)

On XX/XX/XXXX, I opened a loan account with Nelnet , Inc., a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by Nelnet , Inc. until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with Nelnet , Inc. and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by Nelnet , Inc., which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for Nelnet , Inc. to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and  eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Consumer complaint received 2019-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there  are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a check to check employee, working for a XXXX, i take my finances serious and can't afford to have my credit scores drop along with a lower income. I'd like for this information to be removed from my profile.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (OH)

I received an unsolicited Brink 's Money Prepaid Mastercard in the mail with instructions to call and activate now. I did not order this nor did I give permission for my information to be used to issue this card. I called the Ohio Attorney General 's Office and spoke to a representative reporting this, then I contacted and received my Annual Credit Report from XXXX, then I called the number on the card several times until I was able to speak to a representative. The first several calls asked for my card number and social security number before I could speak to someone. I finally waited without speaking until I got an agent. I cancelled the card, explained to them who I had complained to and to remove my personal information from their information bank as well as cancelling any card or account in my name. The operator said this was just an advertisement to get their information to consumers and I could cancel and conceal my information. I did so and then sent this message to the CFPB. I will gladly send any other complaints to any other agencies about this deceptive practice.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DC)

Equifax makes it extremely difficult to obtain a free annual credit report. The other two agencies, XXXX   and XXXX, let the consumer apply for the report online and receive the results online. Equifax makes the consumer write a letter requesting the information and mail it in. 

I applied online at XXXX to all three agencies for my free annual report on XX/XX/2019. I accessed the reports from XXXX and XXXX  almost immediately online and was able to download them. Since Equifax does not allow online access to its report, I asked them in the same online request to mail a hard copy of the report to me. On XX/XX/2019, I called Equifax to tell them I had not received the report. I was told that they had not received my request and, in fact, do not accept requests online and I would have to put the request in writing. I was given a long list of instructions and information I had to include in the written request. I then found a telephone number ( XXXX ) on Equifax.com which indicated I could call and request the report ( contradicting what I had just been told by the Equifax representative ). I called the number and gave all information as prompted by the Equifax telephonic robot. To date, I have not yet received the report. So, it appears I will indeed have to type letter requesting the report, print it out, pay for the postage and take it to be mailed. ( Given everything else, should I send it return receipt request at yet another additional cost? ) I have had similar problems with Equifax in the past. Equifax should be made to operate by the same standards and in conformity with the other two agencies. It is unfair and burdensome the the consumer to have to jump through Equifax 's hoops in order to receive a free annual credit report as required by law. Equifax 's dilatory tactics could cause any number of problems to a consumer who needs the information in a timely fashion.
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously. 

I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people. 
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back. 

What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached. 

I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.
Consumer complaint received 2024-10-14
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)

I am reaching out to file a complaint on XXXX, Equifax and XXXX about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, Equifax and XXXX cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that XXXX, Equifax and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Consumer complaint received 2019-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Sunday XX/XX/ 2019, I was a victim of a scam through XXXX transaction. I corresponded with an individual with the intent to purchase basketball tickets posted on XXXX. The individual and I exchanged texts during which he asked for XXXX transaction to pay for the tickets. The scammer provided me with his email address after which I proceeded to transfer the funds ( {$250.00} USD ) over via online banking XXXX transaction. After the funds were received, he had completely stopped messaging and turned off his phone and the tickets were never emailed as promised. I'm a Bank of America Customer.
Consumer complaint received 2019-02-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MD)

Navient has a underhanded tactic of pointing me in the direction of forbearence rather than more affordable repayment options. Forcing me to pay more in the long run and never mentioning I have options that will work with my salary. They stated I missed payments in XX/XX/XXXX, when I did not XXXX until XX/XX/XXXX. They have ruined my credit and continue to steal money from me.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX Earn XXXX Bonus Points World OF XXXX XXXX Signature Credit Card APPLY NOWButton to apply for World OF XXXX XXXX Signature Credit Card. 
*Offer Details | Pricing & Terms {$95.00} annual feepricing and terms reference link Earn XXXX Bonus Points after you spend {$2000.00} on purchases within the first 3 months of account opening.offer details reference link* Plus, get a {$150.00} Statement Credit after your first purchase with the World of XXXX XXXX XXXX XXXX XXXX XXXX Price for stay and statement credit may post on separate statements. 




This Chase XXXX credit card is a likely scam. The card as promoted, above, is not available, but a XXXX point offer spending {$3000.00} with no statement credit is available. IT IS A CLASSIC BAIT AND SWITCH PLOY. And that is being kind. 

Both Chase branch personnel and only associates could not offer the XXXX promoted card, but offered a card with lesser value.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (FL)

When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit. 

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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. 


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