davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
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. (FL)

On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Consumer complaint received 2023-11-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (OH)

I have been in repayment with Discover since XXXX, the year I graduated from college. Since then I have never missed a payment that resulted in default. I have always found a way to make my payment but recently my finances have became worse. Since XXXX of this year I began to struggle making my monthly payments on time. I inquired about refinance, payment assistance programs, and deferment. With the interest rate increase, my minimum payments increased from {$800.00} to {$1400.00} a month, making it impossible to make the payments on time. I didnt qualify for refinance, which I tried several times, the repayment programs didnt last long and were only temporary. The last payment plan I was on dropped my payments from {$1400.00} to {$1100.00} which was still impossible to pay. I began paying what I could. 

On XX/XX/XXXX I spoke with a representative about the public service deferment. A public service deferment would mean me making XXXX dollars in payment for up to 36 months. The representative asked if I had did this type of deferment in the past and I said yes but Im not for sure how long I did it for. I asked if she could look it up to see and she told me she couldnt because I was in a payment program. I asked is there anyway you could see without me dropping the program, and she said no. At this point I had to take a chance because there system would not allow them to see past information. 

I decided to reach out to the XXXX XXXX and get a letter containing all the information they required to be entered into the public service deferment. Once I obtained the letter I called in on XX/XX/XXXX to let them know I was uploading documents and if they could see past information now. The representative said no you will need to drop the program, so I dropped the program. 

On XX/XX/XXXX I called to check on the documents that were uploaded. I was told you dont qualify and you cant get back into your program. I asked to speak to the supervisor to discuss this because I didnt think it was fair to have to drop the program to see if I qualified. I asked the supervisor to review the tapes because at the time I was unsure of what was said. I was told the supervisors would call me back after reviewing the tapes. 

I made several calls after no response to the supervisor, I made calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Each time I called there was no update, or the supervisor wasnt there, or he will call you back, or he hasnt reviewed the tapes yet. 

On XX/XX/XXXX I spoke with the representative XXXX, who took the time to review the tapes. He stated I shouldve received a call back, he admitted that the situation was not right and that there system was not good. He said there should be a way to see all information regardless of what program you are in but told me I was out of luck and that I couldnt get back into my program.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to file a formal complaint against Capital One concerning the handling of my Capital One Quicksilver Credit Card application and subsequent account closure. 

On XX/XX/2023, I successfully applied for and was approved for the Capital One Quicksilver Credit Card with a {$200.00} sign-up bonus. However, on XX/XX/2023, my account was temporarily restricted, and I was instructed to provide supporting documents, including a State Government-Issued ID, Social Security Card , Proof of Residence, and Bank Statements XXXX 

Promptly, on or around XX/XX/2023, I submitted all the required information as requested by Capital One. On XX/XX/2023, I received a call from a Capital One representative stating that the supporting bank statement from XXXXXXXX XXXX that I initially provided did not include an account number which they required. In response, I immediately sent an alternative bank statement from XXXX XXXX on the same day to fulfill this requirement. 

Subsequently, on XX/XX/2023, having received no response from Capital One, I proactively contacted them for an update. During this call, I was informed that my documents were received, and they needed additional time for processing. Following their advice to be patient, I waited several weeks for a response. However, not receiving any communication, I decided to follow up on XX/XX/2023. 

During this call, I was informed that Capital One had received and processed the supporting bank statement from XXXX XXXX but required further verification of the ownership of the account. The Capital One representative initiated a conference call with XXXX XXXX, during which the ownership of the account was verified. Subsequently, the representative requested a final piece of information : three months of bank statements from the verified XXXX XXXX account. I promptly submitted these supporting statements minutes after the call. 

To my astonishment, on XX/XX/2023, I called Capital One once again to inquire about the status of the verification process, only to discover that my Credit Card account had been closed on the same day as my previous call on XX/XX/2023. The reason provided for the account closure was inaccurately stated as my failure to supply the requested supporting documentsan assertion clearly contradicted by the fact that I had diligently provided all requested information at each stage of the process. 

This unfortunate situation has led to considerable inconvenience, and it appears that Capital One, through false statements and expressions of hope for the verification of my supporting documents, has misled and deceived me during the intervening period. I request a thorough investigation into this matter and a prompt resolution to rectify the unjust closure of my Capital One Quicksilver Credit Card account.
Consumer complaint received 2023-03-14
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. (TX)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-03-14
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. (SC)

When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2023-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I do not recognize how this account is reporting on my credit report. 
I do not recognize the account number. 
I do not recognize the account status. 
I do not recognize the high balance. 
Nor do i recognize the late payments associated with it, everything reported here does not meet the FCRA. 
I have not supplied proof under the doctrine of XXXX  by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (TX)

Merchandise which I leased where taken and I submitted 2 Police reports and the account was supposed to be closed as paid in full, Now there are over 24 Months of charge of history on my XXXX Credit report that are completely inaccurate. This history and item needs to be removed as it has negatively and improperly affected me.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Business Corporation (TX)

I have a mortgage with SWBC. The account was on a forbearance during covid-19 and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. SWBC agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, this Creditor, XXXX, Equifax and XXXX have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states that Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AL)

I reach to credit karma on XXXX about spending being locked they said there investigating will get back with though email no one has responded in its the 4 day I told them I have had no food in no way to pay my bills no gas so I can go to work they keep sending me the same email over in over again that their working on it and nothing yet.
Consumer complaint received 2023-03-14
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. (GA)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendmark Financial Services (SC)

I have a loan that held a title as collateral. The car stopped running shortly after and the loan company allowed me to drop insurance on the vehicle. The loan went into default and they refuse to repossess the   XXXX   off my ex husbands land or give me the title so I can dispose of the car. I have called them and left messages but no one will call me back. It 's  XXXX  in  XXXX  sc
Consumer complaint received 2023-03-14
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. (NY)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.
Consumer complaint received 2023-07-14
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. (NC)

I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bepensa Capital, Inc. (AL)

On XX/XX/XXXX, I completed a loan application with XXXX XXXX in XXXX, Alabama. They told me they approved me for a XXXX XXXX, the car that I selected on their website for {$8500.00}. They increased the price of the car to {$10.00}, XXXX. They told me I had to give them a down payment of {$3500.00} though in order to be financed. XXXX XXXX cashed my check on XX/XX/XXXX and did not tell me that I was approved for the car loan until XX/XX/XXXX. I arrived at the dealership expecting a car payment of {$330.00} a month. I did not expected to pay on the car for about XXXX to 3 years. When I arrived at the dealership to pick up the vehicle, they video taped me signing the documents for the loan. After signing about XXXX papers. I saw that the loan was to be carried out for 5 years or XXXX payments of {$330.00}. I wanted to stop the process but the salesman made me feel as if it would be too much trouble to stop the sale, and this was the only way I could get a car. At the time I had no transportation. The salesman told me that after XXXX year I could get the car refinanced, but that was not true. The finance company was XXXX XXXX XXXX XXXX. I have made my payments on time for XXXX and half years thus far. Recently, I experienced financial hardship and I have fallen behind in my payments. As of the date of this letter, I have paid XXXX XXXX XXXX XXXX, now FiNBe, a total of {$9900.00}. My payoff amount as of today, is still {$8600.00}. Once I complete this loan, I would have paid {$22.00}, XXXX. XXXX including the {$3500.00} down payment for a {$8500.00} car. This is totally unacceptable. They only financed {$5000.00}. Because I fell behind they are trying to make me sign a XXXX month deferment, but I refuse to sign onto another agreement with this company. The manipulation with the video tape and the high interest rate is pure robbery for anyone who was in a desperate situation as I was with no transportation at the time. I want others to know because other people may be manipulated into a situation such as this. I am paying {$17000.00} for a {$5000.00} loan. This should be unlawful.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

Lexisnexis is reporting three car accidents and saying I was at fault. I contacted XXXX and they confirmed I was found NOT AT FAULT for any of them and gave me these letters to prove it. They said Lexisnexis has repeatedly made these errors with other customers. These errors are causing me not to be able to get auto insurance. I am being quoted {$5800.00} every 6 months and none of these accidents were my fault!
Consumer complaint received 2021-10-15
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. (SC)

MY CONSUMER REPORTS ARE BEING USED BY ALL 3 CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. I RECENTLY RECEIVED MY CONSUMER REPORTS AGAIN AND THEY ARE STILL REPORTING UNAUTHORIZED ACCOUNTS THATS VIOLATING MY RIGHT TO PRIVACY AND DAMAGING MY REPUTATION AND THIS IS NOT FAIR TO ME. ITS ALMOST IMPOSSIBLE FOR ME TO GET A LOAN OR APPLY FOR A NEW JOB WITH THESE ITEMS ON MY CONSUMER REPORTS. PLEASE HELP ME WITH THIS MESS, I AM AT MY WITS END WITH THESE CONSUMER REPORTING AGENCY CROOKS. THEY REPORT OUR INFORMATION WITHOUT WE THE PEOPLE EVEN KNOWING ABOUT IT AND THAT IS NOT FAIR US! ITS VERY DIFFICULT ENOUGH TO SURVIVE WITH THIS CORONAVIRUS PANDEMIC GOING ON. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING OPPRESSED. I NEED HELP WITH THIS, ITS BEEN OVER 30 DAYS AND SINCE I DISPUTED THE UNAUTHORIZED ACCOUNTS AND THEY HAVEN'T RESPONDED.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have a mortgage with XXXX. The account was on a forbearance during XXXX and once the forbearance ended I made a payment plan to get the account current. While on the payment plan they accidentally removed the credit suppression causing my current and paid as agreed account to report as 120 days late. XXXX agreed this was improper and removed it from all bureaus in XX/XX/2023. However in XX/XX/2023, with all payments on the plan remaining current, they reinserted the suppressed information once again causing me to appear 120 days late first appearing on XXXX XX/XX/2023. The account is fully caught up and all payments have been made as agreed in their proper time period.