davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (AZ)

The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.
Consumer complaint received 2023-10-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Innovate Managed Holdings, LLC (WA)

Denied my online payment many times provided false information to make a payment. The phone numbers on my old statements or emails dont work repo when I was over paid XXXX $ waiting until the weekend to repo so I cant do anything lied about financial hardship agreement blank information on repo work order has a auctioneer ready to seize in 1 day made many many over payments and quite a few double payments that never applied to my principal deleted my payment history off my online account. Purposely miss guided well quite frankly lied about how I can pay and gave complete wrong information on money gram asked for stuff that I cant even attach into their email formats. I didnt know about predatory lending until today and I believe this is a huge criminal organization that hides ands mis directs customers into a grey area. I have the cash on hand at this moment to pay off the loan but theyre not going to let me. Through research Ive found out they lost all the customers data. At one point my credit report said XXXX $ due I knew that was wrong still paid. At the same time the data was lost is when the statements stopped coming along with pulling it off my credit report and deleting my payment log on there website. I feel they are going to deny my in full payment to complete the loan when its almost paid off so they can refinance predatory to the next customer. They are milking middle to lower class people of money and in my case stripping my ability to work. These are XXXX  that have to hide there annual earnings because they are so high. This companies main objective is to loan unplayable amounts to desperate people. I can prove 100 % through bank statements and cleared transactions with dates being forged. These people are wolves and need to be prosecuted. I can only imagine how many families have been wrecked.right now as we speak I am over paid XXXX XXXX
Consumer complaint received 2015-05-20
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: DFC Global Corp. (CA)

I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.
Consumer complaint received 2022-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service (NJ)

Afees star card ... .has been taking my tax returns including stimulus and tax credits... formten years ... .form a XXXX limit... it took mine and my exhusbands two years straight ..over XXXX both years ... until we realized we had to file seperately... but his card... wasn't... even though it also never got paid ... but they don't take his return ... or his third stimulus... it's been over ten years ... I've been divorced for 4... he's been out of.XXXX for 6 ..and still... they keep taking everything..every year ... has to be almost XXXX ... by now
Consumer complaint received 2022-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : 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 an account without my written instructions.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (WI)

On Tuesday XX/XX/XXXX Some credit collector named XXXX called XXXX XXXX - who works for a company I do business with. He called his cell looking for me. He did not say He knows me. He is from XXXX  XXXX.He said if I happened to know you to give you his number. XXXX called me and notified me of these details and also said the deal we were working on was cancelled- costing me {$5000.00}. I will be suing.
Consumer complaint received 2023-07-06
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)

Transunion is reporting my information and my brother 's information under the same social security number. I have tried to contact them many times and was told that I do not have a social security number. I called and requested a copy of my credit report because I am not able to receive this information online. I received the credit report in the mail, the report contains my name with my information, my brother 's name with his information and the social security number belongs to my brother. I called transunion again, was told I do not have a credit history, mu social security number does not exist. I asked to speak with a supervisor and was told the called can not be transferred, I would get a call back in 7 to 10 business days. I have been trying to get this issue resolved for 3 weeks with no success. this is a time sensitive issue and it has been preventing me from opening accounts. I have received denials because of this mixed up and needs it resolved as soon as possible
Consumer complaint received 2022-02-26
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)

Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation.

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$27000.00}
Consumer complaint received 2022-02-26
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)

Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation. 

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$27000.00}
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2022-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (OH)

In 2XXXX, I did a consumer credit transaction with XXXX XXXX XXXX XXXX, a dealership in XXXX, and extended my credit through Santander USA. Recently, I have become aware that as the original creditor, who extended my credit, using my credit card ( SSN # ), pursuant to 15 USC 1602 ( L ). 
Pursuant to 15 USC 1605 ( a ) the finance charge, {$3400.00}, should be the sum of all charges. According to the billing error, my account was over charged {$9800.00}. See exhibit A from the dealership copy of their response when I notified them that they committed fraud against me, the consumer. This is completely inaccurate and unfair credit card practice and Santander is undeniably going against the TILA ( Truth In Lending Act ). 
Finally, I was never given the 2 forms of recission should I have wanted to cancel the loan, according to15 USC 1635 ( A ) ; REG Z 226.5 ( B ).
Consumer complaint received 2022-02-26
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. (PA)

The letter I submitted on XX/XX/22 was specific about the incorrect addresses listed on my credit report, the response I got deleted XXXX and ignore the others. I also provided poof with my identity and address with a copy of my driver 's license and utility bill. When I pulled my XX/XX/22 report I still had several incorrect address listed. I told them in the letter I sent on XX/XX/22 I only wanted XXXX address on my credit report, the correct one I sent with proof.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The credit bureaus have been ignoring my requests to investigate the accounts reported on my credit and I haven't heard anything from them. I read on this same website that they should notify me of the status of my disputes, but they have never responded. I would like to know why. I have read that credit bureaus must report 100 % accurate accounts in credit reports, but my accounts are being reported with different opening dates.
Consumer complaint received 2023-06-28
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. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
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. (MD)

Hi, My complaints are I came to XXXX in XXXX to join my husband who is international expatriate. Due to XXXX it took almost XXXX  years to get my employment authorization card. So I was not working depending on my husband for the income. I had a part time job last year and this year I have a new one since XXXX. I tried to apply for credit card aXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX but they were rejected after they run my credit report though Equifax. My question is I have never had a credit card so it means I dont have a credit report. So why am I denied the opportunity of me having the credit card? They are saying they are not discriminatory but for me this is dIscrimination against foreigners and women who depend on their husbands. I am asking where do I supposed to get credit report since I am new in this country?
Consumer complaint received 2023-06-28
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Total amount is {$6300.00} I report my car was lost back on XXXX There where so many transaction made and i give all of them i send all the documentes they reques
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (VA)

I am writing to file a formal complaint concerning a misleading loan application process I experienced with Navy Federal Credit Union, which has subsequently resulted in harm to my credit score. This communication is a request for an investigation into the practices of the aforementioned institution and a plea for remediation regarding the adverse impact on my credit report. 

I applied for a used vehicle loan through Navy Federal Credit Union on XXXX XXXX, specifying a desired loan amount of {$30000.00}. During the application process, I was asked to indicate a down payment, which I set at {$10000.00}, as the total vehicle price was approximately {$42000.00}. Notably, the application did not request the purchase price of the vehicle. Based on the information provided, I was initially approved for a loan of {$20000.00}. In so much that I had requested a higher loan amount, I requested a revision, resulting in a revised offer from Navy Federal Credit Union for a 10 % increase, totaling {$22000.00}. 

Upon further discussions with representatives from Navy Federal Credit Union on XXXX XXXX, I encountered discrepancies in the approval process. Despite receiving an electronic communication with the subject line " XXXX! We Approved Your Loan '', representatives informed me that the application had not been fully approved. In a conversation with XXXX XXXX, a customer service representative, it was confirmed that the approval process involved deducting the down payment amount from the requested loan amount, without considering the vehicle 's value or the total purchase price. XXXX XXXX was empathetic with my situation and further explained that to secure a higher loan amount, a new application would be necessary, and could not assure me that this would not entail another credit inquiry. 

The situation escalated when, upon speaking with a manager, I was misinformed that the application process required the input of the vehicle 's total purchase price. This was contrary to my experience of completing the application on a mobile device, where only the desired loan value was requested. This inconsistency and the misleading information provided have led to confusion and concerns regarding the loan application process and the potential impact on my credit score.

In conclusion, the misleading information provided by Navy Federal Credit Union during my loan application process has not only led to unwarranted stress and financial instability but has also unjustly damaged my credit score. I trust that the CFPB will address this complaint with the seriousness it warrants and take appropriate action to prevent such misleading practices in the future.
Consumer complaint received 2023-06-28
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. (GA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-12-18
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX Went to pay my Property Taxes {$5800.00} the money is in my account, the bank wont honor/approve the check- Called on XX/XX/XXXX that I am incurring over {$200.00} in fees by them not honoring this check and giving an approval code.. on the phone off and on for XXXX hours getting hung up on by the system, and the finally speaking to a woman who said " APPROVAL '' and then put me back in the system to be hung up on again. I consider this theft of my money. XXXX states there is no request in the system And after asking what I need to do, she put me on hold and then came back and changed her statement to say the amount seems suspicious and transferred me to consumer protection, on hold another XXXX minutes.. Then system hung up