davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report and noticed that I had an account reporting that I did not give authorization to. XXXX XXXX is reporting that I owe them a debt. I can assure you I have never heard about XXXX XXXX, have for sure never signed any contract with XXXX XXXX to put my into debt with that company. I asked for proof of a contract I made with them regarding this debt and was provided none. I need this account removed asap or I will be filing a identity theft report.
Consumer complaint received 2023-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AL)

There was fraudulent charges on my account a I tried to dispute it a they refused a said they were closing my account. There was a balance of roughly XXXX XXXX my account I never received a ck or nothing. I had direct deposit going to that account. Which I dont even know what was ever deposited. I was forced to get another account elsewhere
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I have disputed items and an investigation ( 15USC 1681a ( e ) ) was not done. I called and was told their investigation was send over my dispute to the same company ( entity/corporation ) that committed and or allowed the identity theft, and Fraud to send over the same fraudulent documents and say it was verified ( 15USC 1681q ( 3 ) ). I do not own the debt and or did not make the transaction or consent or give authorization to a contract. 15USC 1681c ( 2 ) 15USC1681a ( 2 )
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (LA)

In 2019, I opened a auto loan with Credit Acceptance Corp. During the signing, the dealer acted as if he was doing me a favor due to me having horrible credit. As a XXXX XXXX XXXX single mom, I knew nothing about interest rates or credit. So I blindly believed him when he mentioned I had been approved. I believed he helped me, only now to discover he fraudulently fixed me up with a huge interest rate loan with Credit Acceptance Corp, a loan I should've never been approved for. Recently, I've decided to look over my credit report and realized that the balances they have listed on my report do not match the balances Credit Acceptance Corp has on my contract. This led me to look over my contract for my vehicle completely. I was surprised and shocked to realize I have a 22.99 % interest rate. This was never explained to me and exceeds the maximum interest rate allowed in my state. I have payed thousands for an extended warranty that the dealer led me to believe was necessary, but states on the contract it is optional. The contract has me ( the buyer ) as the co-signer and my actual co-signer as the buyer. Credit Acceptance has made my life extremely difficult these past few years, due to me having to choose between paying my loan or rent. I had to go without important things just to pay them, and even gave my entire work check to this loan for years.They harass me daily with a minimum of 10 aggressive phone calls. I have already payed over {$21000.00} and they are still attempting to try to collect thousands from me. I am a victim of Predatory Lending. I have proof of everything i'm stating in this complaint.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXXXXXX transunion improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

Mountain America is reporting a few things on credit that are giving me issues. I enrolled into a debt consolidation program and the settled a {$6000.00} loan I had through XXXX however, there is still a balance on my file. 
The other issue is there are XXXX collections on my file for your company through XXXX XXXX. You are double reporting a debt of XXXX  and reporting a debt of XXXX that I do not recognize and do not believe to be mine.
Consumer complaint received 2023-05-06
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2023 I requested Barclays to provide validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay. On XX/XX/2023, they responded with a statement, which is not what I requested. A statement isn't the same as a evidence bearing my signature. Therefore, I sent a follow up letter on XX/XX/2023 requesting a signature to verify that this account belongs to me. Therefore, Barclays is in violation of the following. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

For more than a year now Equifax has been reporting a wrong credit score on my XXXX XXXX profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the Equifax site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on XXXX XXXX and doesnt even show on the actual Equifax site
Consumer complaint received 2023-04-13
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: U.S. BANCORP (TX)

XXXX XXXX  {$2500.00} Fraud Account does not belong to me Elan Financial service {$4400.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$21000.00} Fraud Account does not belong to me XXXX XXXX XXXX XXXX {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ).  Thank you for your assistance.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

XXXX On XXXX XXXX, I sent Equifax Credit Bureau information to remove hard inquiries from my credit report listed below. It has been 40 days and still no response from Equifax. The disputed inquiries must be removed due to the fact that I did not give my written consent to run my credit report. It can take up to 60 days if I send Equifax more information, but I did not. According to the FCRA Laws, I have a right to privacy. 
XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (FL)

Information on my consumer report from the company chekr has incorrect information concerning a case that was dismissed ; information has frozen my account with doordash thus not allowing me to be cleared to work with company as I did previously. Documentation has been sent to company concerning issue numerous times with no investigation results or updates.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello, This is in reference to an XXXX XXXX in year XX/XX/2017 with XXXX XXXX XXXX. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. XXXX XXXX XXXX never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( XXXX XXXX XXXX ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-06
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. (FL)

Despite several written requests, the ITEMS stated below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (PA)

I opened this account XXXX XXXX. I made every single payment on time, because it was liked to my checking account. I just checked my credit report, and I was shocked to see 3 late payments. XXXX says I was late XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. However, XXXX says I am late XX/XX/XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX. However, I have the same exact checking account, and have NO emails or correspondence from them saying I am late, I missed a payment, NOTHING! I now am searching and noticed an email saying my Grain account has lost contact with my bank during this time, but NOTHING about missed payment, especially after being late, or even 30 days late. Instead, they allowed 3 missed payments. Only then, when the account hit 90 days late, that I was completely unaware of, did they send correspondence stating so, which I then handled immediately. The " lost contact with me bank '' especially since I never changed my banking details, is their problem, not mine, and these late payments should be removed immediately.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023, I messaged in to the American Express chat feature to close an account. I specifically mentioned multiple times that I would like to close my Business Platinum card ending in XXXX ( see screenshots attached ). When I was given the terms and conditions for closure and prompted for confirmation, I specifically mentioned the card type and card ending in XXXX. Unfortunately, the representative erroneously closed a fairly new Business Gold Card ending in XXXX, which I realized a few weeks later. I then messaged back as soon as I noticed ( on XX/XX/2023 ) to rectify this mistake. The correct card was then re-opened ( XXXX ) and the correct card was then closed ( XXXX ) which was good news. However, the XXXX card was fairly new and I had just received a signup bonus for it ( XXXX XXXX for pre-requisite minimum spend, plus points for the spend itself ). Because it was closed within 1 year and this was against the terms of the signup bonus, the points were retro-actively deducted -- resulting in a negative XXXX Membership Rewards balance ( closer to negative XXXX XXXX balance ). After XXXX week of the points not being re-instated as they were supposed to, I messaged in on XX/XX/2023. They said it would take 7 days maximum of escalation. I messaged in on XX/XX/2023 and they said it would take a maximum of 72 hours additionally. It is now XX/XX/2023 and it has still not been rectified. The points have been deducted from my account, hours of my time have been wasted, all based on an error and poor subsequent rectification on their part.
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4100.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: State Collection Service, Inc. (WI)

I tried to contact state line collections in XXXX Wisconsin for medical bills. I talked to a lady today at XXXX XXXX. I asked her what bills I owed from XXXX XXXX XXXX. She then said that there is a XXXX XXXX on my account. I was super mad saying I dont have any kids and that is so hurtful to me. She then asked do I have any family members named XXXX. I said there is no one in my family named XXXX XXXX. I said my nephew goes hunting for deer but that is the hunt we do. She then puts me on hold for like 2 minutes comes back and says I realized I had you on hold. I said listen I am turning you in to the government for fraud. I can not express how hurt I am. Every which way I turn there is someone trying to hurt me. I want proof of these medical bills. I asked her what is hunters date of birth. She said she cant tell me that information even though this fake XXXX is on my account.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dividend Finance is attempting to collect on a loan I never signed for nor agreed to. They disregard any and all information from me. Not only did I never sign for nor agree to the loan, but I never received the item/service the loan is for. You can read more about this in my previous complaints to Dividend Finance.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sunbit, Inc. (CA)

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company Sunbit Inc. continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX  as well as Sunbit INC. are reporting two different company names. Which has me totally confused.
Consumer complaint received 2021-07-28
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$320.00} - XXXX : XX/XX/XXXX : {$320.00} - XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$440.00} - XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX : {$940.00} - XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX : {$940.00}
Consumer complaint received 2023-11-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (IL)

Purchased XXXX  XXXX by XXXX on XX/XX/2023 was promised installation would be completed within 14-16 weeks. XXXX hasn't attempted to start or complete the project. I've called Foundation Finance and they refuse to cancel the loan. Advised them it's past the deadline and We are tired of waiting. We have notified XXXX to cancel the contract and I've never received a response.
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a returned payment. I had to re-submit my full statement payment as soon as it got returned and my statement was fully paid. I still got {$7.00} interest for {$290.00} statement that I did make. I do not agree with the interest I got because I made my payment XX/XX/XXXX which is before the closing date of my statement and should have not got the interest charge.