davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These inquiries were not initiated by me and I firmly believe they are fraudulent. I plead with you to conduct a comprehensive review and expeditiously erase them from my credit records. I have supplied corroborative materials for your examination.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DigniFi (TN)

After filing a separate complaint with CFPB ( reference ID : XXXX ), Dignifi apologized for the inconvenience and stated that they would be providing monetary compensation in the amount of {$0.00} which according to Dignifi was the remaining balance on my account with them.

This occurred after I had already paid the remainder of the debt in full. I do not understand nor did the company clarify how there could possibly be a balance of {$0.00} cents left on the account after I had paid the full balance of the debt but I didnt worry about it because DigniFi forgiving that balance amounted to the same thing. 

However, I have continued to receive harassing emails from Dignifi asking me to pay that remaining balance which is somehow now higher than {$0.00}. To the best of my knowledge DiginiFi has not completed any of the resolutions that they offered for my previous complaint.
Consumer complaint received 2020-12-30
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. (GA)

Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OH)

I opened an account with citi bank on XX/XX/22 and transferred {$6000.00} into the account to open it, on XX/XX/22 the locked my account and said me transferring funds was fraudulent, even though they told me I had too to open the account. I called them on XX/XX/22, the same day, to try and unlock it and they said no they were closing the account and their was nothing I could do and they would mail a check in 60-90 days. I have tried to call at least 12 over the past year times and every time I get a transferred multiple times and told they can not help me I just have to wait, they wont even tell me if they mailed it or not.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc (NY)

There is a need for a full accounting of this account because XX/XX/2022 a charge ( XXXX ) it was disputed I was allegedly refunded but now in the leger there is a - sign by it. 

IT LOOKS TO ME LIKE PAYPAL is refunding and then taking the money back from peoples accounts.
Consumer complaint received 2020-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Globe Acceptance, Inc. (FL)

I'm looking to purchase car an see on my credit report an old lender that was closed 3 years ago is reporting an account twice. Once with the original account an the second under a made up name so the can report twice. The account was closed XX/XX/XXXX with an original balance of XXXX. THey have one account under the correct name Globe Acceptance showing closed XX/XX/XXXX with XXXX balance. Then another Account as Globe Loan Company with XXXX an actively accruing interest since the close date of XX/XX/XXXX. I asked them to remove it an he said I remove the lower balance one. an I stated why are you reporting twice an he said dont worry about that I ll get to it eventually. 
The company Is Globe Acceptance XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX. ( XXXX ) XXXX
Consumer complaint received 2024-03-20
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2020-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My loan from Heartland ECSI qualifies for cancellation as I am a XXXX XXXX XXXX. I submitted and had all my paperwork accepted last year. This year they have denied me THREE times. Each time I call and a representative tells me I am missing some small thing. I am forced to contact my HR, have all the paperwork redone and resigned, have the paperwork sent to me, and remail all the paperwork in. Each time the representative promises me all the steps are complete and each time it is denied. They are running out the clock on my loan grace period now and I will soon have to make payments on a loan I should receive forgiveness for, often when I call they can't access my documents and make me call back and sit on hold for up to an hour so they can again tell me they need something new. At this stage the state that my job description doesn't say " XXXX XXXX XXXX '' because I work in a XXXX XXXX XXXX, and it says " XXXX XXXX population '' so I submitted a letter on letterhead stating I am a XXXX XXXX XXXX and they denied it AGAIN. I can't force my XXXX to rewrite a job description. They are clearly doing all they can to run out the time so I have to start repaying the loan. This is unethical to the extreme.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My name is XXXX XXXX i have disputed these fruadenlent accounts on my Equifax credit report for sometime now i have sent a police report and fruad addvadvit to Equifax in XX/XX/XXXX and XX/XX/XXXX please remove thank you XXXX XXXX The fraud accounts on Equifax Credit Report : XXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NM)

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Citi services
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NM)

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Chase Bank services.
Consumer complaint received 2020-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

Please stop all communication with me regarding this account. I do not recognize any type of bank account with XXXX XXXX  ; so I urge to remove the account if you reported it to the credit bureaus. Thank you very much!!! I have never done any business with that COMPANY and I never made any contract either!
Consumer complaint received 2024-03-20
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-30
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. (WA)

I spoke to XXXX XXXX  XXXX about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OK)

I purchase a vehicle in XX/XX/XXXX my payments started XX/XX/XXXX. My car note is {$230.00}. I make two payments each month to equal my due amount. I have always been a month ahead. My first payment was made on XX/XX/XXXX {$130.00} then XXXX XXXX {$130.00} which made my XXXX payment. XX/XX/XXXX {$130.00} and XX/XX/XXXX {$130.00}. Which was for XXXX payment that was paid in full. I called on XX/XX/XXXX since the IVR stated my due date was XXXX with an incorrect balance due of {$260.00} and should have been {$130.00}. At this time CSR stated they would have this corrected and sent to the account team to correct the information. I then made my payment of {$130.00} on XX/XX/XXXX and then {$130.00} on XX/XX/XXXX for XXXX. I then again had to call for the same reason and was told the same thing that this would be corrected. Made payment {$130.00} on XX/XX/XXXX and {$130.00} XX/XX/XXXX for XXXX payment and again for the 3rd time had to call for the same reason and again told this would be corrected. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and this time my account was correct. Payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX and again my account information was correct. At this time I thought my account was finally corrected until I made a payment {$130.00} on XX/XX/XXXX and {$130.00} on XX/XX/XXXX for XXXX here again for the 4th time i had to call to for the same reason to get my account corrected as i am a month ahead on my payments. I asked why this continues to happen and the CSR stated i would need to call to let them know that my payments are for the month ahead. I thought this was ridiculous and a hassle to do. I told the CSR I should not have to call to make sure they do their job correct. She stated that she would add a note to my account that my payments needs to be applied to the next month. So I thought this would fix my issue with my lender. Today XXXX I make a payment for XXXX due date and the IVR stated my due date was XX/XX/XXXX this will be my XXXX time calling to correct my account as this payment is not for XXXX. This will be the 1st partial payment for XXXX. Lender Name is Santander Consumer USA. 

Thank you for your time and help. Very much appreciated.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX XXXX XXXX capital one XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 these company want me to wait 2 years for it to be remove and by this i won't be able to rent a good apartment area for my dad. he needs to move out from a bad neighborhood and i want to help him.
Consumer complaint received 2020-12-30
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. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-03-20
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. (TN)

I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

Wrong addresses on file. 
Remove both XXXX XXXX XXXXXXXX XXXX XXXX az XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX XXXX, and TransUnion. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.
Consumer complaint received 2020-12-30
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. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Southwest Collection Agency , Inc has falsified and used doctored invoices to collect money and interest charges and failed to provide verification. They have threatened that these charges were reviewed by their attorneys and lawful and will take legal actions. 
I have tried to settle the debt by paying off the half of the amount that I did not owe out of fear that the interest will accrue. After speaking with others and learned that what they are doing is unlawful. I questioned the validity of this debt that they are demanding they became enraged with hostility and used vulgarities and obscene languages and stated this will continuously grow and XXXX up my credit. 

I have then contacted the rental car company, however ; they stated that they made the mistake not knowing the laws sending it to this collection agency which is not allowing the rental car company to cancel or dismiss it.
Consumer complaint received 2020-03-06
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I had traded in my XXXX for the XXXX and paid an additional $ XXXX because I was up down to pay off the Chrysler loan. They are satisfied in full, but are refusing to remove themselves and close their loan on my credit. Also XXXX had a hard inquiry for a XXXX  XXXX  card, they told me it was a soft inquiry. I have spoken to them twice. They never even sent me the card. I called twice the first time they said cause I applied as XXXX ( my married name ) they saw XXXX and XXXX on my report and got confused, had me send in my Drivers license and a copy of marriage license. Then I call back they said they never sent it because my app expired, and I should reapply. But their initial hard inquiry is hurting me and it was only supposed to be a soft inquiry so thats very misleading. It needs to be removed please. They have not updated on their end and its hurting my credit. Please help
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AR)

I purchased my home in XXXX. After my divorce, I eventually fell behind. I filed chapter XXXX in XXXX. Then I was furloughed from my job when XXXX hit. When I was again gainfully employed as a XXXX XXXX, I discovered that little other than lawyer fees were being consistantly paid by the trustee. I let my chapter XXXX dismiss in XXXX and signed an agreement with US Bank to rework my mortgage. I have been paying my mortgage in full and on time since then, but the account still shows as inactive, which is affecting my XXXX XXXX. A representative told me that once a bankruptcy has been filed, regardless of what happens afterward, US Bank no longer reports to the bureaus. I will soon be closing on this house and paying it off, and I want that and the last XXXX  months or so of an account in good standing to reflect on my credit report.