davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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)

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my Experian Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Consumer complaint received 2019-11-25
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: National Credit Systems,Inc. (MD)

XXXX XXXX is reporting multiple hard inquiries on my report for accounts that I didnt apply for. An identity theft report was sent along with all needed documentation of its inaccuracy and it has not been resolved. There is also one collection on my credit again for an account I never applied for. 

XX/XX/2018 National Credit Systems {$4600.00} I submitted an identity theft report packet to them as well as police report.
Consumer complaint received 2020-02-19
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: HYUNDAI CAPITAL AMERICA (MS)

XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' hyundai finance XX/XX/XXXX the Vachon Law Firm sued Hardin Hyundai Inc. an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX   District of California,
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Someone took out a student loan from XXXX XXXX in my name, SS #, BD, address. 
Have disputed multliple times with all 3 major credit reporting bureaus. Comes back as accurate. I have never had a student loan in my life, I am XXXX years old. College this comes back to is XXXX XXXX XXXX XXXX in XXXX XXXX KS. Why would I go back to school now, at a college 3 hours from where I live, when there are two junior colleges here? 
XXXX XXXX account number in my name is XXXX The mail they have for me is XXXX which isn't mine. The phone number they have in my name is XXXX, which is no longer in service.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I HAVE SENT FTC REPORTS AND ALL TO EQUIFAX CONCERNING FRAUDULENT INQUIRES REPORTING ON MY CREDIT REPORT BUT IT SEEMS THAT IS NOT ENOUGH, I CHECKED MY CREDIT REPORT TO FIND THESE SAME FRAUDULENT INQUIRES REPORTING EVEN THOUGH I HAVE TOOK THE PROPER STEPS TO REMOVE THESE ITEMS, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES AND THEY ARE STOPPING ME FROM RECEIVING HOUSING AND OPPORTUNITIES WITH OTHER CREDIT CARD COMPANIES I HAVE TRRIED ALL OPTIONS TO GET EQUIFAX TO XXXX THESE FRAUDULNT ITEMS AND REPORT MY TRUE CREDIT PROFILE, I HAVE BEEN UNSUCCESSFUL.
Consumer complaint received 2023-01-21
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: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/XXXX I received an email alert that there was a charge on my Citizens credit card that I had not used in a year. I logged in online to check and found 3 charges I did not make. The three charges were made : XX/XX/XXXX XXXX *us postage {$46.00}, XX/XX/XXXX stamps.com *us postage, and usps stamps endicia {$45.00}. I immediately called Citizens at the phone number XXXX at XXXX XXXX  EST and was on the call for 62 minutes and 13 seconds. I was told my dispute was opened already by the fraud department and my card would be cancelled and a new card sent. I was also told I would receive a letter from Citizens outlining the dispute. I have not received a letter from Citizens and the charges are still sitting on my card and now have been assessed interest and a late payment fee after being told I was not liable for fraudulent charges. After I did not hear anything from Citizens I called the same # on XX/XX/XXXX at XXXX XXXX  EST and was on the phone 46 minutes 24 seconds. I checked to make sure the claims were filed and told I would receive a letter or call from Citizens and not liable. I didn't receive a letter or call so contacted Citizens again at XXXX on XX/XX/XXXX at XXXX XXXX  and spoke to another specialist for 38 minutes and 41 seconds. Now I am showing that I still owe for the fraud charges plus a {$29.00} late fee and $ XXXX interest. I have not received a letter or call to resolve this.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have reached out XXXX, XXXX, and Equifax on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

On XX/XX/XXXX, I switched my cell phone XXXX from XXXX XXXX to another provider. My decision to leave XXXX was influenced by encountering my fourth billing issue within a relatively short XXXX period. 

On XX/XX/XXXX, XXXX incorrectly billed me for XXXX lines despite XXXX of the devices not being delivered ( the XXXX could not find my condo unit, the line was not yet activated ). Upon contacting customer service, the representative not only pressured me to pay the erroneous charges but also mocked my name and insulted my social standing ( called me a lower class person ). Consequently, I filed a complaint against XXXX with the Federal Trade Commission. 

In XX/XX/XXXX, I eventually obtained the trade-in credit that was pending for XXXX months due to an oversight by XXXX. It necessitated a visit to your store to inquire about the traded-in phone that I had mailed Additionally, a 15 % corporate discount was promoted by XXXX in XXXX with my employer. However, after being transferred among numerous departments for several months, I was informed in XX/XX/XXXX that my plan would not be eligible for the discount. 

On XX/XX/XXXX, I received a bill inside a XXXX envelope from your office, indicating device payments of XX/XX/XXXX and XX/XX/XXXX. The second package showed payments of XX/XX/XXXX and XX/XX/XXXX. Regarding the devices, in XX/XX/XXXX, I had inquired about purchasing them outright as leasing proved more expensive over the XXXX period. However, the representative falsely informed me that this option was exclusive to lease agreements, not purchases. Consequently, I discovered the device prices significantly deviated from those presented in-store. 

XXXX also sold this account 's collections rights to XXXX XXXX and Afni Inc before the final bill 's issuance.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NE)

Over the past several years, American Express, in conjunction with my other creditors, have reduced my credit score by more than XXXX points, resulting in my inability to secure a consolidation loan to pay off my credit card debts at a much lower payment and interest rate. They have reduced my credit score even though I have never missed a payment or defaulted on any account. For the past several months, I have continued making payments in the amount requested, including finance and interest charges, and in spite of my continued downward spiral financially. Eventually, I could no longer maintain the payments, and requested, via letter, that they work with me and accept a monthly payment of {$50.00}, on the condition they stop all interest charges, finance charges, and any late fees now accruing. I also informed them that I am XXXX XXXX, and living on a fixed income. 
They have neither refused nor accepted my offer to pay this account under the aforementioned terms, and have as yet to even acknowledged that I've made any effort to work with them. 
I sent them a letter on XXXX. 
I sent them a payment of {$50.00} on XXXX
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my XXXX Credit Report and a Account Balance has been furnished to my Equifax Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Applied for loan modification three times with Wells Fargo all three times I ended up on the sheriff 's list to sell my house yet Wells Fargo kept telling me they were trying to do a loan modification which turned out to be nothing but lies they wanted my house because I had equity and it was worth a lot of money.
Consumer complaint received 2022-01-19
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 have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.
Consumer complaint received 2023-01-21
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. (FL)

In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I was trying to rent a property at the beginning of XXXX, but after paying the first month 's rent and deposit, I still had not recieved the keys. I was offered a refund, but was never actually sent the money. I was reassured by my bank that i was protected on wiretransfers and that i would be able to get my money back in the event it was indeed a scam. On XX/XX/XXXX, I filed a claim with my Wells Fargo bank for exactly that, expecting it to be an open and shut case. After a month of waiting and calling for updates, I had not recieved anything. On XX/XX/XXXX, another claim was created in hopes of escalating it. I did not hear anything on that either. Around XX/XX/XXXX, I finally spoke with a second level XXXX who emailed the claims department for escalation, filed another claim in XXXX separate departments, and notified me that the first initial claim was filed incorrectly. It is now XXXX, and I was facing eviction because I was relying on receiving my money weeks ago to pay it. I have been struggling since I moved in the middle of XXXX because I've been waiting for my {$3600.00} plus the wire transfer fees. I have now accrued {$380.00} in over draft fees that they have only paid {$140.00} back and tell me I'm liable for the rest. Despite being told by the second level XXXX that those would be reversed when the claim was resolved. XX/XX/XXXX, i called and complained to the XXXX office and the filed another claim and immediately assigned it. This was the only case XXXX to ever contact me for more information. As of XX/XX/XXXX, they resolved the claim and told me they could not get my money back without permission from the thief to take it from his account. Completely going against what I was promised by a wire transfer XXXX before I ever sent the money. I was told they would be liable for any overdrawn amount because the money wasn't their 's to steal. Now I am told there is nothing they can do because the money isnt there 3 months later. I was told when I first filed my claim, that it would take 10 business days for them to complete. Had they done that, the money may have still been there, but they also can't answer me when I tell them the scammer shared with me a certified letter from wells fargo that showed the money was flagged and pulled for suspicious activity so he no longer had it, they did. So now they made a profit and are unwilling to reverse charges. My account sits in the negative as I refuse to deposit anything, because this is their fault and I can not afford to pay an unnecessary debt and make ends meat. My family has had to go hungry and cold throughout this entire ordeal only to come out the other side worse off. If I did not have a support system to help with my bills, we would certainly have gone homeless.
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

The complaint is with Westlake Financial Services, XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX I purchased the car in XXXX, I paid {$420.00} a month. I requested them to change the date, because I am Social Security. I only get paid on the XXXX of month. The company refused... said they do not do that. So I paid my last payment on XX/XX/XXXX. My payments were due on the XXXX of the month. 
I would make payments my phone, on the phone recording it never included any accrued interest. It allowed me to pay the {$420.00} for the last 5 years. The recording never disclosed any added interest to the account. The word is disclose. I called a couple times and they refused to put the balances on my credit report, which is a violation of FCRA. I am now at end of my loan, and they are trying to stick me with an extra {$1700.00} added for interest, but on the recording when I went to pay my bill every month it said XXXX interest when I went to make the payment I called today, the supervisor, claims it was on the contract when I bought the car from XXXX XXXX XXXX. The claim I was late XXXX times, yes, I am on Social Security, I can only pay on the 3rd on the month.!! These people are scam artist, and it is out the bag. They told me on my original contract was 5 % of the loan amount. My thing is that needed to disclose that on the phone, instead of saying your payment is {$420.00} with XXXX interest. This is predatory lending and its best!!!
Consumer complaint received 2023-11-27
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. (IL)

I have contacted this bureau a total six times. They were contacted on XXXX twice, Once on XXXX once on XXXX, once on XX/XX/ and finally on XXXX Every time I called, my request was the same. I asked this bureau to remove the remarks/comments from an account. 

This is a violation of FCRA!
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1992 Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 



I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 



I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 



I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

The account that credit acceptance is reporting is identified as a ''repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please immediately remove this account in its entirety from my credit file. A monthly payment should not exist after a repossession has occurred. They report the account later every month. I no longer have the car. They sold the car at an auction.