davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (AR)

I disputed inaccurate accounts on my Experian for Student loans, and other closed accounts on my Experian consumer report. I stated that my student loan balances for XXXX  were different from the balances that were reported on my Experian. 

They were for the account XXXX with a balance of {$4400.00} on XX/XX/2020 is different from the balance reported at XXXX which is {$4400.00}. The account XXXX with a balance of {$7700.00} on XX/XX/2020 is different from the XXXX balance of {$7600.00}. The account XXXX balance reported on XX/XX/2020 {$6000.00} is not the same as XXXX which is reported as {$6800.00}. 

For the accounts XXXX which report with the balance of {$940.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4600.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, and {$24000.00} which were all reported on XX/XX/2020 are not the same as the balance reported on XXXX which are {$950.00}, {$3100.00}, {$1500.00}, {$6800.00}, {$6000.00}, {$4500.00}, {$6200.00}, {$11000.00}, {$2000.00}, {$1200.00}, {$390.00}, {$2800.00}, {$1500.00}, {$6000.00}, {$890.00}, {$24000.00}. 

For the accounts XXXX reported on XX/XX/2020 with a balance of {$11000.00} which is different from what is reported on XXXX which has a balance of {$11000.00}. The account XXXX on XX/XX/2020 has a balance of {$2100.00} but us reported on XXXX with a balance of {$2100.00}. 

I ask them to delete these inaccurate accounts off my consumer report. 

I also told Experian that these inaccurate that were on my XXXX Consumer Report. Also, were on my Experian consumer report and I ask them to delete these inaccurate accounts off of my credit report. I stated that some of these accounts are also being reported on my Experian. These accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and I also have multiple accounts that have been deleted for DEPT OF EDUCATION XXXX. These inaccurate accounts need to be deleted. 

I also notify Experian about 15 U.S Code 1681b-Permissible purposes of consumer reports : which I told them that this law states that : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I told them I never gave them consent to report anything on my consumer report. 

Experian will not delete this inaccurate information off my credit report. They instead continue to update these inaccurate accounts on my consumer report
Consumer complaint received 2021-04-16
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)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-15
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: CREDIT ACCEPTANCE CORPORATION (AZ)

I have an existing auto loan Through CREDIT ACCEPTANCE LLC. They stopped reporting my payments XXXX of 2020. I have disputed this thru all credit agencies only to have credit acceptance verify info as correct and nothing changes. It has damaged my credit because they are showing as missing payments. I have talked to credit acceptance and they point the finger at credit agencies. I have talked to all credit agencies and they point the finger at credit acceptance. I need this fixed.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-11-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In late XXXX of this year my XXXX account which is connected to my XXXX XXXX account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

Thank you, XXXX XXXX
Consumer complaint received 2021-05-27
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. (NC)

I disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.
Consumer complaint received 2021-04-15
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. (AZ)

I disputed with Experian Credit Bureau, my credit report that is reflecting, XXXX XXXX XXXX as closed written off. I disputed this item and the problem was not fixed on XX/XX/2021 and XX/XX/2021. 
I have settled this account as full and provided Experian with the settlement letter. This should reflect as, >Account paid in full ; was a charge off<. Since it was a charge off they are claiming that the account is not satisfied. I have provided all necessary items of the settlement letter reflecting satisfied to all three credit bureau 's. XXXX  has done a wonderful job at updating the pay status to : >Account paid in full ; was a charge off< and left the remarks as is. I am still waiting for the proper time with XXXX  and their process time. However Experian will not acknowledge my documented proof that the account has been satisfied.
Consumer complaint received 2017-09-08
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. (TX)

My information, my wife 's information, and my daughters information all were breached by cyberhacker. i waited on hold 4 different times for a representative, more than 15 minutes each time and then they simply brought on a recorded line that told me to try later and disconnected me.
Why does the credit reporting agency even have my drivers license information? I find this to be totally unacceptable. I have no control over companies providing Equifax with my information nor do i have any control over Equifax diligently protecting the information.
In addition, all burden is on me to figure out if I was impacted when they simply could have mailed me a notice. They have known about the breach for over a month now. This is an area that I would expect my Government to be able to control and one that I expect my tax dollars to be used to defend my personal information.
Consumer complaint received 2022-11-02
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. (MD)

In XXXX, I had two late payments. During the COVID era I lost work and was unable to make these two payments. I have since made all payments on time. I am seeking to have these two payments removed from my credit card account.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Paypal has notified me that an item that has been on XXXX for over 3 years finally sold. 

Now paypal will not allow access to my account ( which I have not used in over 3 years ) I want my XXXX {$250.00}
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NC)

XX/XX/XXXX opened up savings account at suntrust now truest, XXXX to be exact. Was surprised it cleared by the next morning. So at that time I decided to open a checking account online myself sat XX/XX/XXXX. So write away it approved me and I transferred XXXX $ from savings to fund it. So I get to the bank Tuesday morning early at XXXX to order a debit card, thats when things got weird after giving them my id to verify me they couldnt find anything. Then she abruptly stood up said I have to speak to the manager ok I said 5 min she came back and started asking if I had another license implied that I opened the account with different info I answered no off course not. So after two hours answering some questions and resubmitted my info I sign the signature card for my checking account and finished. Same day for no reason explained and no warning they froze my accounts all I could get was a negative report from another financial company. So after numerous conversations and lengthy talks Ive gotten contradicting info from one person to the other and not nothing was outlined in there rules and. Regulations except they can close account at anytime without notice. What Im asking is why they dont have the procedure for closing an account and why is there a department called research and fraud doing a review when fraudulent activity was not even reason for the hold, its due to negative remarks from another bank. Which if thats the case then how did I get approved from the start. Shady banking they allowed me to bank for four days then basically criminalize my actions and play like Im under investigation and dont give me reason or timeframe on when I get my money. Please I need help Im not the only one hundreds of people have exactly same problem with suntrust or truest bank.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC (GA)

Bought vehicle in XX/XX/XXXX. Received tag in late XXXX due to delay in title and registration per their website and COVID. Monthly payments made each month to XXXX in the amount of {$620.00}. Total paid to date on XX/XX/XXXX is {$3100.00}. On morning of XX/XX/XXXX tow truck showed up and repossessed vehicle per orders of XXXX from what driver said. Called XXXX who is lien holder who stated that acct was current and was done per Carvana. Contacted Carvana personnel on multiple occasions in two day period. Had to demand to speak to management for explanation of how a car could be repod almost 7 months after buying when all payments had been paid. Told I broke my contract because my initial deposit of {$300.00} had not cleared my bank on delivery. Said they had called me on numerous occasions. Asked if they had sent me any correspondence via mail or email and told they are a digital company and dont have to. I asked numerous times what my options were and they said there was no option and car was gone. It would be assessed and pending inspection and less fees that I would be given a portion of my money back. Told unacceptable by me and spoke to a legal representative on my own. Called back on XX/XX/XXXX by XXXX, pmt resolution specialist with Carvana and given option of letting them keep vehicle and pending inspection may get some funds back. She did not elaborate on iTold by personnel it may take up to 90 days to finish this process and I asked if I I was going to be responsible for loan in meantime. They stated they would back it off my credit but, became vague when I questioned what about any upcoming payments being due and they referred back to XXXX. They are both affiliated together and different personnel will tell you different things about their relationships between the two. 2nd option was pay the {$300.00} plus a redemption fee of {$400.00}. Also very vague when asked if I would be charged storage and towing fees as well. Now awaiting a request to XXXX to further specify the details in Option 1 and be more Explanatory regarding credit and repo. The worst company ever. Most unprofessional, scamming company and obviously preys on individuals with less than perfect credit. Unethical and immoral practices.
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This is a written notice to XXXX XXXX who acts as the ceo for legal fiction CAPITAL ONE that I the consumer XXXX XXXX XXXX XXXX who acts as agent for XXXX XXXX am invoking my right of rescission pursuant 15 usc 1635. I was not disclosed certain information about the finance charge 15 usc 1605. I expect the the obligations, security interest on the contract be canceled, and all money returned to me pursuant 15 usc 1635 in good faith.
Consumer complaint received 2021-04-15
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. (PA)

Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX  asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.
Consumer complaint received 2022-11-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XXXX XXXX I reached out to a company, Portfolio Recovery Associatess about a debt on my credit report in the amount of {$1900.00} they claimed to have purchased from XXXX XXXX. I was sent a letter recently stating that the account was opened around XXXX of XXXX and sold to Portfolio Recovery on XX/XX/XXXX. A representative I spoke with today stated they had the account since XX/XX/XXXX. I have two different credit card amounts giving from both companies and an address where I never resided at, they stated they have on record at the time the account was opened. I never had a major credit card that I owned and I explained that to Portfolio Recovery. I also explained that I filled out a fraud package with XXXX XXXX over five years ago and they removed it off my credit then later sold the account and the debt was put back on my credit.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (VA)

Flagship credit is calling and harassing me several times a day, I was told they would set up a payment so i wouldn't be behind but the calls are annoying and I have tried to get caught up but they won't stop calling about ten times a day.