davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Coinbase, XXXXigital currency exchange platform co., for my XXXX savings. Coinbase took {$22000.00} USD out of my portfolio. Happened on XX/XX/2021. 
I never released any of my ID data, etc. to anyone. CB is making it very difficult to help me recover my funds. Said could not be traced? WHY? I think this was an " inside '' job. I am XXXX XXXX XXXX with XXXX XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I think I've been a victim of identity theft. I disputed the wrong info on my credit report. I don't know how it happened, and I have no suspects. I didn't get any money or stuff from it. Can you please investigate and remove it from my credit file? Thanks. 
XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} CXXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I was paying off in full the amount due on Citi Costco credit Card.

At that moment the Citi Costco credit Card system gave me three options:1 ) to pay the minimal payment 2 ) to pay in full ; 3 ) or to pay another amount. I opted to pay in full! The Citi Costco credit Card system indicated the total amount that was expected to be paid for account to be considerer paid in full, I paid on XX/XX/2021 the amount of {$6000.00}. I made the payment to Citi before the due date, I have disputed the extra charge of {$66.00} with Citi Costco bank and indicated to them that at the point I was paying off that the full amount paid was the amount required to be paid in full payment now I am surprised you are charging me XXXX because they received the payment on XX/XX/2021 ... This is robbery!!! 
The contact information for a formal complaint should be sent to this address : Office of the President c/o Citicorp Credit Services , Inc. ( USA ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ID XXXX ''
Consumer complaint received 2021-09-28
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: WELLS FARGO & COMPANY (NY)

please removed these accounts 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have been a Victim of Equifax data breach. 
Equifax is still willingly, and wrongfully reporting non accurate information on my consumer report Account : XXXXXXXX XXXX  XXXX Date XX/XX/2020. Equifax still reporting non-mailable address XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TRANSUNION AND XXXX ARE REPORTING A DEROGATORY ACCOUT ON MY CREDIT FILE FOR {$2100.00} DOLLARS, WITH NO INFORMATION ON HOW TO REACH THE COMPANY THAT PUT IT THERE. I HAVE A RIGHT TO KNOW, OR IT SHOULD BE REMOVED.
Consumer complaint received 2018-01-16
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. (CA)

XX/XX/XXXXApplied for a Pre Paid card with bank. 
I was approved. 
Consistently paid bill on time. 
reached out to back to change my due date. Date was changed. 



Bank charged late fee in error. Refused to adjust fees in XXXX. 
Acct was then closed. 
I paid my charges. 
Scores dropped while disputing charges. 
XXXX received a letter for XXXX stating a error has been made on their end. 
acct balance is XXXX. 
XXXX refused to report to credit bureau findings. 
XX/XX/XXXX, attempted to re-apply for a pre-paid credit card and was denied.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments as reported on my 3 Credit Bureaus. As you can see, I have always had a terrific payment record with this company. Investigate and update the current status to reflect accurately.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-09-28
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: Experian Information Solutions Inc. (AR)

This complaint is for the timeshare company XXXX XXXX. We spoke with their employee named Ms. XXXX who was introduced to be something other than just a salesperson & also claimed to not work on commission. We were enticed by telling us we were making a good financial investment. They promised that the resale value would go up. We were also tempted when we were told that the purchase had some tax benefits similar to owning a second home. They make it sound like they're making a special offer made only just for us because they mentioned they needed " corporate '' approval to give us the price offered. We were also pressured by telling us that it's our last chance at the lowest price. They had us open a credit card wherein they made me sign an application making me believe that it was part of the application process but I wasn't made aware that it will be used to open a credit card. They also had my ID at that time. They offered us breakfast, tickets to shows etc. I felt I was rushed into this because shortly, there were 3 people talking & they never gave me enough time to read & fully understand the contract properly. They never discussed how cancellation process works, they didn't even informed us as to how many days we have to be able to cancel. I was XXXX years old then, so it felt like I was taken advantage of. We experienced financial difficulties due to this timeshare plus the problems caused by Covid19. I have to work extra days for this timeshare and they kept calling us for payments everyday. Everytime things got worse in dealing with them, they kept promising things would be positively different but it never gotten any better. I had the worst experience with this timeshare, we were simply defrauded, this is a scam. They lied to us, having this timeshare is not as great as they made it out to be, paying monthly for the rest of eternity.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax continues to report inaccurate inquiries on my credit report even after sending them numerous ftc identity theft reports. They claim these inquiries to be accurate but never says how they verified them or show me proof. I have contacted the company of these inquiries and they say they will have them removed but they never do.
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

This is part 2 to a complaint that was closed ( XXXX ). Chase admits that they provided misinformation and it didn't mean their standards. They admit that the agent provided incorrect information as well but since I was, according to them, outside of the allowed time to receive the sign up bonus, that none of it was relevant. 

However, another instance of misinformation comes into play. On XX/XX/13 at XXXX I made a call to Chase to get a summary of how much I've spent and when the last day was for me to reach that spend. The agent gave me a running count but informed me that I had until XX/XX/XXXX to reach that spending limit which would then make the subsequent calls relevant. 

Chase gave me an incorrect date to complete my purchases which would then make all the information from case XXXX relevant and their mistakes something they should take accountability for.
Consumer complaint received 2023-02-28
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. (OH)

Sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is all of the evidence According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 


They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. The Credit bureaus stated AccountS were properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal of these accounts : XXXX Account : # XXXX XXXX XXXX Account : # XXXX XXXX XXXX Account : # XXXXXXXX XXXX Account XXXX # XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX  XXXX Account : # XXXXXXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX Account : # XXXX Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well Please help keep these Bureaus to be held accountable this needs to be removed
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, 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. (CA)

I have been in constant communication with Experian regarding the errors and inaccuracies on my consumer credit report. Experian needs to provide documentary evidence for all investigations completed on my investigative consumer report, consumer credit report and consumer credit file. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with the correct spelling of my name. 

Report # XXXX dated XX/XX/21 was mailed to my current address in XXXX XXXX CA with a 'T ' added to the spelling of my name. 

I received an email update from Experian dated XX/XX/21 indicating the dispute results were complete. The dispute results now lists my name and address incorrectly. These errors compromise my credit as mail will be sent to an incorrect address and I am exposed and could be subjected to identity theft. 

There are no new accounts that have been added to my consumer credit report within the last 90 days so there should not be reason for my current address to be removed completely and replaced with an incorrect address. I have never extended my credit to any company with the name variations listed on my consumer credit report.
Consumer complaint received 2021-09-28
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: LEXISNEXIS (MO)

On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, XXXX, and LexisNexis stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One sends solicitations multiple times per day, even when I opted out of receiving ANY notifications on their website. I have opted out using every mode I can find. As soon as I decline advertisements from them in my gmail account - another one is sent within a matter of hours. They are hammering my inbox with advertisements. They are relentless.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IN)

I have contacted Apple Card Support, XXXX, XXXX, and XXXX many times to get this situation solved. Every time I apply for the Apple Card credit card, it declines me because of trades that I do not have open, since I do not have any trades. I have confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that it does not show anything about trades on any of my credit reports. Apple Card Support is also not very helpful, and does not know why it keeps declining me for the same reasons. Apple Card Support advised me to call XXXX, XXXX, and XXXX, which I have already done, and still am unable to get approved. I have attached the letter that Apple Card Support sent me via email about me being declined. I have also been working to try to get this Apple Card credit card for over a year, and I still can not get approved for the card, and it is just so frustrating. I could use all the help that I can get. Thank you!
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the following accounts : XXXX XXXX XXXX XXXX-Date Opened : XX/XX/ XXXX  XXXX XXXX XXXXXXXX XXXX XXXX-Date Opened XXXX XX/XX/ XXXX
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OR)

Us Bank, XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Dont properly investigate claims, Deny Claims before asking for any documentation regarding the claims to be provided to assist in the process.

Do not accommodate any requests forms of assistance regardless of the circumstances and the requirements for the delivery of the services at no additional cost to them but still no provision of ADA / Disability Disorders and Needs for Alternates in Communication/ And all other forms involved in doing Business with them are not being provided and /or addressed to, most are Disregarded and /or provided a proper form of attention to, lack ce in the responses given compared to what is required to exist in order to be denied access, Equal, Fair, Non discriminations in the process and delivery of services provided to the public allows for equally access and Opportunities to use and benefit f
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION (DC)

The XXXX XXXX dealership finance person using BB & T XXXX XXXX refused to show me the lender that was offering the auto loan and insisted that I use their preferred lender ( unclear who that was though ). I was only able to identify the source of the offering by reviewing my credit report later. I requested to see the offerings on the computer screen, and the individual insisted that I could not see my own information regarding the offering on the computer screen for my " privacy. '' Instead, she offered a handwritten post-it note and insisted that this was the only way to share the offering information with me. I shared that I felt uncomfortable with that and was surprised to see such a high interest rate ( more than double market averages ). Eventually, she relented and allowed me to see part of the screen. I requested to see the offering from XXXX XXXX XXXX, which she refused to show me, even though there is a hard inquiry on my credit account. She scrolled to the top left of the screen where XXXX branding was shown. It appeared to be a XXXX XXXX XXXX portal that had services from several different lenders. The center of the screen had several sections including specific lender information. The finance person refused to scroll to that section and show me who the specific lender was. Based on the facts surrounding this situation, I believe that the individual purposefully withheld information about lenders and rates, because I had caught them misleading and/or lying about the offering details. I offered to use financing that I had externally secured, and the finance person refused to proceed even after I made multiple requests to move forward with the financing that I requested. I refused to proceed without consumer financial information that I have a right to. However, I was never able to secure written confirmation of offerings, rates, or how many credit inquiries were run ( and with who ). Unfortunately, my credit score has gone down, and I have inquiries on my report without having received written offerings of any kind.
Consumer complaint received 2021-09-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (GA)

My name is XXXX XXXX this complaint is in regards to vehicle titled under Hyundai Motor Finance under VIN # XXXX. Hyundai Motor Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in Hyundai Motor Finance automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. Hyundai Motor Finance are now breaking the law and could be held criminally and civially liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to Hyundai Motor Finance address.