davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TX)

On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called XXXX XXXX and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last XXXX digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I paid XXXX on my credit card on XXXX XXXX. The amount paid has still not been applied to my account. It has been 8 days. Additionally this company will not correct a problem with accepting payments on their end for renters and auto insurance, an account I have with them as well. I am on auto payment, but I have to dial in monthly to pay on my account. Their system will not accept payment.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I totaled my car in XX/XX/XXXX. I have GAP insurance. XXXX XXXX offered to do the full process for me. My insurance ( XXXX ) paid up my account until XX/XX/XXXX so that it would give XXXX XXXX enough time to file my GAP report, but it is now XX/XX/XXXX and it is now reporting on my credit report that I am late on my car loan. I have reached out numerous times to get this matter resolved but I have been hung up on numerous times. It has been over 6 months and the issue still have not been resolved. This situation has caused me great stress and it has affected me mentally and financially.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

A fake letter from CitizensOne personal loans was dated XX/XX/21 and received XX/XX/21. It stated : We have not received your monthly payment of {$160.00} that was due XX/XX/21 on your Citizens One ^R account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or update your payment information. It goes on to suggest they may report to credit agencies. 
I tried to log into the site and tried repeated passwords of other accounts and my social security number to find my info. I have tried calling citizens one on the number on their site but can not reach a person without an account number that I dont have. This is the first action I have taken.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (IN)

I have always paid my account on time every month thru the website that the company provided but one month i missed the date by 2 days becuase i never got the bill in the mail which usually served as a reminder for me but t wasn't even enough to be charged a fee but i noticed that i got a 30 day late put on my report. I tried to talk to the agent because initially they told me it wouldn't be reported late. I tried disputing it with the company because I had paid it only a few days late and i was told it wouldn't be a 30 day late but not had success so i thought i would ask you guys for some help hopefully and for them to give an explanation on why its reporting late when i was told it wouldn't be. I appreciate any assistance you can provide. Thank you.
Consumer complaint received 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

This company continues to report fraudulent information to my credit report on a transaction thats not mine, and causing emotional distress on my life situation. Its defamation of character to report false and misleading information. I asked them to provide a notarized copy of the accounting ledger from their accountant to verify and they couldnt produce it. Its also inaccurate as they report it on XXXX  and XXXX.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-03-06
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. (WA)

I received a letter from I believe XXXX  requesting for an ID in order to go forward with the disputed request. I am very disappointed with the lack of seriousness and respect these credit bureaus treat consumers. Instead of protecting our information and identity it appears to me they are too busy profiting from our information. My name was exposed in the XXXX  data breach and my life has never been the same since.
Consumer complaint received 2021-03-05
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: National Credit Systems,Inc. (TX)

In XX/XX/2019 National Credit System added a derogatory mark on my credit per XXXX XXXX. Upon further research, this account was transferred and sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communicatio, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to FCRA National Credit System has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Consumer complaint received 2021-03-05
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: Experian Information Solutions Inc. (FL)

I've already called several times and written several letters, to Experian, Explaining to themand sending proof that they have incorrect names and addresses on my credit report. 

They have responded they continue to leave it not because they are suppose to make sure everything on my report is 100 % accurate but because someone told them it was correct. 

I am not a XXXX. My Father name is XXXX XXXX XXXX I have never been a XXXX, period. I shouldn't have to fight and beg with a company over what MY name is. My name is XXXX XXXX XXXX. Anything other than that needs to be removed from my credit report. 

There is an incorrect fraud/identity theft address on my report. 
I live at XXXX XXXX XXXX XXXX XXXX, Fl XXXX Any other address on my report is not mine have never been mine that is fraud and please remove. 

I'm attaching my id with my correct name and correct address. Anything outside of that please remove, because you are upholding fraud and identity theft if you do not. 


I have file number XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Paid this account ( judgement threatened ) off within the specified time frame ( XXXX ) - it should not have been reported. Disputed the account and it was not removed.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.
Consumer complaint received 2021-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

Ally has denied me access to business auto statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. They are not available on my online account. My online account indicates I am supposed to have access to up to 12 months but as you can see in the online account screen shot attached, they only allow access to XXXX - XX/XX/XXXX. I called their customer service number XXXX and spoke with XXXX after XXXX was not able to assist. XXXX was surprised I did not have access but was not able to send me the statements. He said he could give the interest to me verbally but that is unacceptable for tax and legal purposes. I want the physical statements for my business. My account was in a partial forbearance even though interest was accruing. They have denied me access to physical documents by phone and online of finance charges they charged me. XXXX told me I could figure up the interest myself then proceeds to tell me the daily interest! Totally unacceptable. I spent 30 minutes on the phone trying to resolve this. I had previously submitted an online request, also attached, because I could not reach them on the phone. I never received a reply to the request. I have no idea what they have charged me. This is totally unacceptable and is a violation of my legal right as a consumer. They also did not send me a XXXX XXXX interest statement that was supposed to be mailed to me on or before XX/XX/XXXX for XXXX. I also do not have access to the XXXX in my online account.
Consumer complaint received 2021-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is a formal complaint against Portfolio Recovery Associates located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-03-05
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. (SC)

Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XXXX Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (CA)

I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.
Consumer complaint received 2021-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Leap Credit, LLC (TX)

I have had multiple problems with this company and payments over the life of my loan. They will not provide anything in writing and continually tel me two more days, two more days while interest keeps charging. They can never answer my questions right away and never call me back when they say they are going to. They have very bad business practices. Do not work with this company.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I am filing this complaint because USAA closed my credit card account, which I've had since 2012. We have been very loyal customers to USAA. We paid off nearly 8-10 credit cards and loans with them over the lifetime of our accounts. 

During the pandemic, we fell behind and reached out to USAA several times to inform them our account was past due, but we assured them we would get all payments handled, as we always did. We also informed them we were in the process of catching up due to myself being an essential worker and having to take many quarantine leaves from exposure to XXXX, which impacted my pay. After each quarantine period, when I would get back to working, I always made USAA aware of our status- and each time they assured us they would work with us ( and we thought they meant it ). 

To say the least, even during the pandemic, we still successfully paid off a credit card and THREE auto loans with USAA. 

As of this month, we finally made it to a good place financially post-pandemic lockdown and business picked back up for my company. So I immediately went online and paid my USAA account. Today, I learned they have discriminated against and punished people who fell on hard times during the pandemic by closing their credit lines without personally reaching out to them and getting to know their situation during this pandemic. I reached out to a representative after making a {$450.00} payment to my credit to find out my credit line was closed without ever being notified. USAA claimed they sent a letter out to us back in XXXX, but we never received it. We also NEVER received a phone call regarding this. If USAA had reached out to us and said we were at risk for our credit line being closed, we would have put all of our money towards it to keep it open ... instead they lied and said they would work with us during this pandemic. 

We have been very loyal USAA customers, but after this experience, this does not sit well with me, nor my wife. No one should be discriminated against during this pandemic in which they had no control over.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

This is a complaint about Equifax failing to set up a Fraud Alert as follow-up to a Fraud Alert initiated at XXXX. ( Note : I do not have any personal or professional connection to any of the credit bureaus and this is an unbiased complaint. ) I recently became a victim of identity theft and wanted to put Fraud Alerts on my accounts at the 3 major credit bureaus. I understand that the process is supposed to work by contacting 1 of the credit bureaus to set up the Fraud Alert, and then that credit bureau will contact the other 2 to set up Fraud Alerts at the other credit bureaus. XXXX & XXXX handled it well, but Equifax did not. I started with XXXX by logging in to my account online and setting up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX to confirm that they had placed a similar Fraud Alert on my account there on XXXX, only 1 day after I contacted XXXX. Unfortunately, I never heard anything from Equifax. Then, 18 days later on XXXX, I logged in to my Equifax account online and saw that they had still not set up a Fraud Alert. So while I was logged into my Equifax account, I set up a Fraud Alert there on XXXX. Subsequently, I was contacted by XXXX and XXXX that they had set up another pair of Fraud Alerts on my accounts only 1 day later on XXXX. 
This is not the first time I've had issues with Equifax. In XXXX, when I set up freezes on my credit reports, the Equifax system had issues and Equifax was extremely slow & often unresponsive before finally freezing my credit report several months later. 
I now have very little trust in Equifax to protect and correctly handle my information and I wish the rule of " three strikes & you're out '' would apply to Equifax : 1 ) XXXX data breach, XXXX XXXX XXXX issues with freezing my credit report, and 3 ) XXXX issues with setting up a Fraud Alert on my account. IF I had a choice, I would never deal with Equifax and I wish other companies would stop working with them. In the meantime, I am informing people I know in the financial industry & others about my bad experiences with Equifax. I also hope that CFPB will provide greater oversight & lead to corrective actions at Equifax.