davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (TX)

I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (TX)

I have filed a dispute with XXXX, XXXX, and Equifax, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on XXXX, XXXX, and Equifax since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that XXXX, XXXX, and Equifax go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (MI)

I applied through the app XXXX on the XXXX XXXX XXXX. I was only curious about it and provided my information. I was approved for a loan of {$500.00}. However, I did not formally accept the loan or sign any agreements. Despite this, they deposited the money into my account and have been charging me {$74.00} every 2 weeks for a total term of 12 months, totalling {$3500.00}, which is over 7 times the principle amount. I did not agree to the terms of the loan or sign any contract. You can see in the screenshot that the emails sent to sign these contracts is still unread. I am also unable to see any information on how much I have paid off of the loan on the website, only the payment schedule.
Consumer complaint received 2022-08-16
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. (DE)

The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).
Consumer complaint received 2018-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX
Consumer complaint received 2020-09-04
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: LJ Ross Associates (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

I have a power of attorney set up with USAA Federal Savings bank for my sister to make payments and do all things pertaining to on an automobile and the automobile loan. ( I am in the military and have orders assigning me to XXXX XXXX. ) When the person called to set up automatic payments she was told that automatic payments were scheduled. The automatic payments never came out of the account. When she called to try to make a payment over the phone the company did not honor the POA. They did not allow her to make payments and constantly told her that the POA was not sufficient. This caused the account to become 90 days late and go to collections. I did not receive any documents in a timely manner to my current address to be able to address the missed payments before it was sent to collections. When I called to find out why the loan was sent to collections, I was told that they no longer have any information on the loan. They also could not tell me who to call to address the debt. When I received a letter from the collections agency I gave the information to my sister. The collections agency refused to speak with my sister or honor the POA. The collections agency told her that the debt was being sent back to USAA. The specialty department at USAA who supposedly took over the debt also refuses to speak to my sister ( POA ) to resolve the missed payments or allow her to make payments to resolve the debt. When I called USAA to get the information on who to speak to regarding why no one will allow my sister to my payments or access the needed information, I was referred to a specialty department that was closed. The fact that USAA has refused to honor the POA or allow my sister to make payments has resulted in the account to be 90 days late and sent to collections. This has damaged my credit score and is jeopardizing my security clearance with the military. USAA has two POAs on file. One was a POA specific to USAA and the latest POA was completed by the XXXX legal office. The latest POA has been  attached to the complaint.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.
Consumer complaint received 2020-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gatestone & Co. International Inc. (CA)

I contacted gatestone to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by Gatestone. Today Gatestone called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, Gatestone is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-09-03
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. (FL)

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX XXXX XXXX account from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. EQUIFAX has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THIS ACCOUNT IMMEDIATELY!
Consumer complaint received 2020-09-03
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. (NY)

I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.
Consumer complaint received 2018-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

Looked at my credit report today XXXX-2018 noticed a collection from I C System appeared, it states a debt from XXXX XXXX XXXX XXXX XXXX XXXX I spoke to someone previously about a week in a half ago because the letter was dated XXXX-2018 and it was delivered upon the time I called a week in a half ago, I told the rep the problem that apparently the company is sending mail to the address where the account was created and the mail was forwarded to the address I currently live, I stated I have no knowledge of the situation the representative stated the company would look into the situation further and put it in dispute status and validation would be sent, it was never stated upon the company after the conversation that within a week look for it to appear on your credit reports I called today spoke to Employee # XXXX name XXXX XXXX not sure if this is accurate but this is what he stated his name was and absolutely no help he pretty much was blunt about me paying and no validation was needed, not sure if this is the practice but it was absolutely not right to feel this way for something I have no knowledge about. All I ask the company is to remove the information from all my credit reports until the investigation is done.
Consumer complaint received 2020-09-03
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. (CA)

This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In regards to account number XXXX from XXXX XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.
Consumer complaint received 2020-09-03
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. (CA)

This account was paid off and closed in XX/XX/2015. It is reporting incorrectly on the credit report. This account is reporting other facts incorrectly and the company nor the credit reporting company will fix it correctly. This was a loan to a corporation and did require/contain a personal guarantee. XXXX IS A PREDATORY LENDER & NEEDS TO BE SHUT DOWN!
Consumer complaint received 2020-09-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Believe that money is being stolen from bank account and has been for many years. Repeatedly contacting bank about this. Reps are always acting like the info they have is correct. ATM shows one amount and with no withdrawls and numerous deposits, amounts are not adding up. Bank continues to say what info is available to them on the screen, and wont sincerely address the issue. Even receipts that I have from the ATM machine dont match the statements the bank sends to me. 

Will be contacting attorneys to research this as well. This has been going on for well over 10 years and I feel that the bank knows I am correct, but will not admit it. 

-
Consumer complaint received 2020-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CO)

I purchased a vehicle from XXXX and at the point of purchase, I was asked to set up auto pay which I did. Fast forward 2 months and my first payment was due on XX/XX/XXXX. I received communication from Ally Auto stating " Thank you for scheduling your payment for XX/XX/XXXX '' I assumed that because I received that email, I am good to go and my first payment will be deducted from my account. 

Two weeks go by and I did not see a withdrawal from Ally Auto. I logged into their online portal and noticed the past due amount. I immediately made a payment for the month of XXXX and XXXX. I made that payment on XX/XX/XXXX. I assumed that will take care of the balance. The very next day, Ally threw in a {$21.00} late fee on the account. Even after their gross miscommunication regarding the auto pay, I made a payment at the XXXX day deadline required by them to avoid a late fee. I have been unjustly charged by Ally Auto and demand a refund for that late fee. 

I tried calling Ally and their first rep hung up because she could not hear me. I called back again. After 20 mins and transferred to their " supervisor '' I was hung up for the 2nd time. I explained in detail with professionalism that I should not have been charged this late fee. When I pointed out that I was still within the 15 day window, she hung up.

I tried calling back and it was a busy tone. I was unable to get passed automated system.
Consumer complaint received 2020-11-20
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: Experian Information Solutions Inc. (NJ)

I have disputed things on my credit report and Experian did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. Experian has not yet removed this or any of the other items disputed that XXXX has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.
Consumer complaint received 2020-09-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AR)

THIS IS A NEW DISPUTE EXPERIAN!!! I have attempted XXXX times prior to this dispute with CFPB and have called into customer service with CFPB about this dispute. Experian continues to close the case upon receiving this dispute. AGAIN, this is a " NEW DISPUTE ''. My car was totaled in XX/XX/2020 and XXXX has been PAID IN FULL for the vehicle. XXXX has reported the car 30 days late last week and they have received a LUMP SUM check for the car. EXPERIAN continues to say, I have disputed 30 day late notices in the last 90 days BUT THIS IS NOT THE CASE. MY ISSUE IS THAT THE CAR has been paid and as of the XXXX of XXXX Experian is showing a 30 day late payment WHICH IS ERRENEOUS. I CAN NOT DISPUTE ONLINE with EXPERIAN and THEY CONTINUE TO CLOSE THIS DISPUTE OUT EACH TIME I CONTACT CFPB with is illegal because they are stating they have resolved my DISPUTE AND IN FACT THEY HAVE NOT .... BECAUSE THIS DISPUTE JUST ARISED ON THE XXXX of THIS MONTH. I WANT EXPERIAN HELD ACCOUNTABLE FOR PROVIDING FALSE INFORMATION TO CFPB and TO ME Stating the issue is resolved and they KNOWINGLY AND WILLINGLY ARE PROVIDING FALSE INFORMATION which is a VIOLATION OF FDCPA RULES for consumer protection.
Consumer complaint received 2020-09-02
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: EQUIFAX, INC. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (NJ)

Company was threatening to garnish my check and at the time I had XXXX in family and I was signing my daughter up for college and they threaten that I would not be able to get a loan for her