davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally lodge a complaint regarding inaccuracies in my credit report as provided by Equifax. Equifax has reported late payments on accounts that have previously been paid in full. These inaccuracies are adversely affecting my credit score and are causing undue stress and financial harm. 

The details of my complaint are as follows : Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Inaccuracy : Late Payments Reporting after Paid account Date Equifax has reported late payments for the aforementioned accounts after the balances had been satisfied and paid in full. These accounts were settled, yet Equifax continues to report new late payments, which is factually incorrect. 
Impact on Credit Score : These erroneous late payment reports have significantly lowered my credit score, impacting my ability to obtain credit and resulting in higher interest rates on loans. 
I have already attempted to resolve this issue directly with Equifax but have not received a satisfactory resolution. Attached to this letter, you will find copies of my payment confirmations, statements showing the accounts were paid in full, and any correspondence with Equifax regarding this matter. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the Consumer Financial Protection Bureau 's assistance in correcting these inaccuracies. I kindly ask that Equifax update my credit report to accurately reflect the paid status of the accounts and remove any incorrect late payment entries. 

Please confirm receipt of this complaint and inform me of the actions that will be taken to resolve this matter. Should you require any additional information or documentation, I am more than willing to provide it promptly. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Previous addresses includes unknown address. Four years were added to my age. I am aware of a person who has similar data to mine who has used my credit over the past 30 years. ( Ive never had a XXXX XXXX ). I looked her up myself. It seems that shes found XXXX. I didnt see signs of her breach unless it is in the XXXX XXXX report which I did not recognize- but was good. Im hoping that I am getting I D protection provided by the Fed Government where I was breached twice. I could not see that addressed.
Consumer complaint received 2020-01-10
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: CITIBANK, N.A. (PA)

On XX/XX/19, I made a purchase using my Brooks Brothers Platinum MasterCard serviced by Citibank Retail Services ( " Citi '' ) in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$320.00} ). On XX/XX/XXXX, I contacted Citi concerning the charge and the merchant 's failure to provide the order. I received a response from Citi dated XX/XX/XXXX, stating that the merchant disclosed proof from XXXX that I signed for the package. ( See attached as Exhibit A ). This information was false and misleading. On XX/XX/XXXX, I replied to Citi with additional information from XXXX indicating that the package may have been  delivered but without signature as the merchant did not ship the package with a signature requirement, ( See attached as Exhibit B ). As such, I requested an internal review of charge, dispute process and further inquiry. In the interim, I made good faith payments to my account with Citi in an effort to avoid delinquency and fees. In addition I requested that all fees and penalties on the disputed amount be reversed. Since my initial dispute in XXXX, Citi has charged XXXX XXXX Dollars and XXXX Cents ( {$67.00} ) to my account and reported my account as delinquent to the three major credit reporting agencies. Their erroneous and egregious conduct has now affected my credit and ability to do business with other lenders.
Consumer complaint received 2023-05-24
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. (NY)

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 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 2020-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (TX)

Credit Systems International called me to say I owe XXXX XXXX {$670.00} for XXXX  services. I have never used the aforementioned service and I do not understand what they are talking about. Besides that I have insurance and they would have advised me on if I really owed any one any medical bill. 
They called on a number which is XXXX which is a fraudulent number used by scammers. 
I checked Credit Systems International and they have a complete different number. 
When I asked them to give the number and address of the original people I owe they refused to give it to me. 
They have kept harassing me with letters and phone calls. 
They told me the company I owe from is XXXX XXXX but wouldn't give a number or an address. 
Please help me stop this harassment.
Consumer complaint received 2022-02-20
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. (IL)

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2023-02-23
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. (TN)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by Capital One using XXXX  and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with XXXX and XXXX XXXX. Both claim I need to notify Capital One. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX   credit report but not the others. 

I have contacted both XXXX  and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime (NC)

This passed year in XXXX I got a XXXX XXXX XXXX XXXX from drivetime however this is the second one they put me in because the 1st got deemed to dangerous to drive by there warranty mechanic. Towards the very end of XXXX the XXXX XXXX was having issues so the Warranty company gave me options who I can send it to and it sent it and it got worked they said the Engine was bad and needed to get replaced and that the transmission fluid was burnt. The warranty company gave the okay to replace the engine but nothing further. 

The engine got replaced but the mechanic still couldnt get the vehicle to turn over they suggested that it get sent to a XXXX dealership to get it look at further thinking it was a computer issue. However when the XXXX mechanic looked at it the issue was that the XXXX mechanic that installed the used engine and not a complete engine meaning they didnt send the turbo that the engine requires. XXXX broke allot of the parts it was also in their shop for over 2 1/2 months and wasnt fixed I talked to the finance company and asked for help repeatedly however the denied it talked to the drive time compasses for help again denied. Along with silver rock they refuse to repair the issues that their contracted mechanic caused. They finance company not just calls me but calls my mother who is on the loan and also all of both our references. 

I have an XXXX XXXX business my business requires me to drive all over to repair my customers appliances without a vehicle it is hard to do. I normally work a 12 to 13 hour day however due to me not having my own vehicle and having a girlfriend nice enough to let me use hers I can only work 5hrs during the week. I get calls none stop they just threaten to take my vehicle away cause I cant afford to pay for it due to not being able to work my normal time.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC. (TX)

I traded in my XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Texas on XX/XX/XXXX. Right after I signed the lease I told the salesman that I had my doubts about what I had just signed and wanted to cancel. The salesman told me that I could go back the next morning to either undo the lease, select a different vehicle or modify the existing contract. I told the salesman that my concerns were the following : ( 1 ) I was promised a 36/month lease and the contract was for 39/months. ( 2 ) I was promised to have my trade paid off and not have negative equity rolled in and negative equity was rolled in. ( 3 ) There was a Rent Charge in the contract for {$6500.00} which was about half of the 39 monthly  payments. When I went back to the dealership the very next morning, the finance managers did nothing but tell me how good my contract was and that a high residual was to my advantage which I disagree. The finance manager also told me that he did not know why this salesman had told me that I could undo the lease if that was not possible. Then I saw an article where Ally which is the finance company that XXXX XXXX XXXX used, had a XXXX discrimination settlement. I was wondering if you could review the attached narrative and documents to see is I am a victim or the same type of violation.
Consumer complaint received 2022-02-20
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account XXXX XXXX, and XXXX XXXX XXXX  XXXX  Account XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep getting told by Experian that these are tied to auto loans but these loans dont exist on my credit report. Continuously told that the creditor is the only one who can remove these but nothing is being done. Experian is in flagrant violation of fair credit reporting act. I filed a fraud report and nothing is being done about these improper credit inquiries.
Consumer complaint received 2020-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NC)

The company i would like to file a complaint on is LoanDepot, they currently service or own my current loan and i started receiving phone from them on XXXX XXXX and i finally decided to call them back on XX/XX/XXXX to talk about a refinancing opportunity i had due to been with the company for two years ... we discussed several options and i decided to go forward with a 15 years refinancing conventional, paid my appraisal fee, give them all info needed ... i was told the process took 30-45 days since i was an inhouse refinancing ... on XXXX they discovered my credit report changed so a 15 year was no longer available so i received another offer for a 30 year conventional loan, which i accepted, even knowing i am their current customer they continued requesting documentation over and over for about month and a half.. and now as XX/XX/20 they have requested a new appraisal since they discovered there 1st appraisal was requested as a condo but the property is a townhouse.. this of course to my expense .... my estimated closing cost went from XX/XX/XXXX {$2900.00} to {$4400.00} on XX/XX/XXXX ... I would really like to someone competent to look into all this situation, i had a very long work history, perfect credit, verifiable income and i think this company have serviced me on a very unprofessional way, all this last minute expenses makes no sense i really hope they are not taking advantage of other people on real need to lower their payment and charging them whatever they feel like.
Consumer complaint received 2023-02-12
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. (IL)

XXXX XXXX XXXX XXXX account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXX was opened during covid fraudulent late payments poster please remove, XXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on XXXX XXXX  showing balances, showing late payments and repossession codes on a credit card, after card or account was closed
Consumer complaint received 2020-03-05
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. (GA)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : DPT EDXXXX XX/XX/XXXX XX/XX/XXXX {$6000.00} XXXX -- / -- XXXX Late Dates : XXXX, XXXX {$7200.00} XXXX {$72.00} XXXX XXXX  XXXX XXXX -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX {$23000.00} {$6200.00} {$4200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX/XXXX  XXXX -- XXXX XXXX -- XXXX {$100.00} XXXX XXXX -- XXXX XXXX  {$520.00}
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, PHEAA is reporting numerous accounts in my name as collection/charge off. I have contacted PHEAA numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because PHEAA responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hi there Im trying to write this letter regarding my Experian showed negative late payment made my score look so bad that I can not get my house loan refinance! Please help me The Experian information its not correct! 
Need your help to remove it! 

Thank you
Consumer complaint received 2022-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This is a formal complaint against LVNV FUNDING LLC located in XXXX, South Carolina. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA (NJ)

I was 52 day late for payment on XX/XX/XXXX and tried to make a payment. The online would not allow me to make the payment. ( I have attached a copy of the Screen ) My account was not available for payment. I called after a second try and the representative told me that my account was okay for the payment did not uderstand why we couldn't put it through. Since I was at work, I didn't have time to talk with her, but I told her I would call back. On the XX/XX/XXXX they repossessed my car, after the majority of the loan has been paid. Erroneiously, I was under the impression one had to be ninty day late before a car would be repossed. The account on the paper work makes it appear that three payments were due, but the second one was just coming due and that's why I wanted to pay it before the second one became due. Additionally they company XXXX the person they contracted with to get a tow company was on the phone with me for over an hour trying to get the tow Company XXXX XXXX XXXX to allow me to get all my belongings and the wouldn't.
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been receiving receiving repeated calls from FIA Card services every single day for the past few months. 

Today, ( XXXX at XXXX ) a man called by home and said I was behind on my credit card payments. I can't recall his exact words, but he suggested that if I my missed my next payment deadline, it would reflect badly on my account. 

He asked for the owner of the account ( a family member that had recently passed away ) and when I explained this he offered to switch the account holder to my name, and he offered to schedule my payment for the due date. He requested that I give him my bank information over the phone. I initially offered to call him back with my information and he quickly said that he was willing to wait. Then I told him I changed my mind and said I would rather go into the bank to make my next payment. After this he said I could expect another call to discuss switching over the account. Then he asked if I could provide him with a second number where I could be reached.
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I did not receive an answer from anyone of the agency/bureau that I called to request my available loan balance of education funds to complete my XXXX  semester course of study. Each person was only trained to find the debt balance and not the access to loan balance to pay the university. I called the Dept of Ed, NSLDS, Navient, FAFSA helpline,  the XXXX School loan officer, and others. How does our State, Federal and local governments and Congress monitor, regulateNSLDS,