davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
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 have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX XXXX XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}
Consumer complaint received 2024-03-26
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. (UT)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 2021-08-10
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: Cornerstone Holdings, Inc. (AK)

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 30days and i have'nt received any investigation results.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX
Consumer complaint received 2021-08-14
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. (MD)

I have submitted documentation re : an account that has been paid off. XXXX  and XXXX  have updated the account correctly. However, Experian has not only not updated but increased the original payoff balance from {$5200.00} to {$9000.00} after their investigation. The outstanding balance as never {$9000.00}. 

I have resubmitted documentation to Experian.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (AR)

Vehicle was repossessed, say I still owe {$3700.00}. I have contacted them several times to try and settle this and make payments of some sort. EVERYTIME Ive been told not handled by this department and moved around till disconnected. The one time I wasnt disconnected I was told that a collection agency was handling it and to call them. I call the collection company and they say theyre not handling it anymore and its been sent back to the financial institution. I filed a complaint with XXXX it it still remains and I cant get this debt settled. This is holding my credit score back! I need it gone!
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, Experian, XXXX, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XXXX  ), CREDIT PLUS ( XX/XX/XXXX ), and ALLY FINANCIAL ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Consumer complaint received 2021-08-14
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)

I filed a complaint against Equifax because they are refusing to remove accounts that are more than 7 years old from my credit report. The companies are reporting the incorrect initial delinquency date. XXXX and XXXX XXXX XXXX accounts are reporting the incorrect delinquency date of XXXX. This is NOT the initial delinquency date. Equifax has destroyed my credit by reporting this incorrect information. They have closed out my complaint and my dispute. They are not reviewing my documentation proving the initial delinquency date of XXXX. It is the responsibility of the Credit agency to INVESTIGATE whether companies are reporting the correct information. It is their responsibility to refuse incorrect information. This needs to be corrected IMMEDIATLY! REMOVE these accounts from my credit!
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

There are numerous inquires on my Experian Credit Report that I did not consent to nor authorize. 
1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. US sm bus admin - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

Asked synchrony bank to validate an alleged debt under the Fair Debt collection Practices Act, company failed to validate and caused serious harm to my credit, also they had no written consent to report on my credit report which constitutes fraud. Also violated my consumer rights which will need to be addressed. violations will be uploaded
Consumer complaint received 2021-08-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

i submitted a dispute with Equifax and the dispute to more than 30 days so i submitted a 30 day non response they in turn sent me mail other than my disputed results which i have attached i think they are playing with me and i need this corrected asap my previous dispute case # XXXX XXXX
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (NY)

I had a judgement with XXXX  XXXX, and I had paid for a payment protection product that did not cover the 12 months after I lost wages, or was unemployed. This was listed as deceptive marketing practices by XXXX XXXX XXXX. There was restitution paid to the customers with credit card protection between the years XXXX - XXXX. 

The credit bureau appeared to have received information that the debt was satisfied prior to XX/XX/XXXX. The debt no longer listed in the public records but was listed as an adverse account. The time was only 5 years not the required 7 year time frame. 

The lawyer attempted to collect a old debt several times. They filed an income execution and shortly thereafter released from my job in XX/XX/XXXX. And in XXXX they put a hold on my bank account, I had to file a forms claiming the funds were exempt. They attempted to collect exempt funds used to pay for standard living expenses.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.
Consumer complaint received 2021-07-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

No matter how many disputes I send to XXXX XXXX they send me the same information on this debt I allegedly owe to Capital One. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is XXXX XXXX does not mail me any contract I allegedly had with capital one just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from capital one therefore I would like them to stop verifying this alleged debt to XXXX XXXX and I demand XXXX XXXX to stop reporting it to all credit reporting agencies.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

While I was out running errands on XX/XX/2021 I was contacted ( via my cell phone ) at XXXX XXXX by someone named XXXX, claiming he works for XXXX XXXX. He stated that because my account was delinquent, a tech would be at my home within the next 45 min to shut off power. He said I could pay using a credit card, but that would take approx. 12 hrs to process. If I had a Zelle account, the payment would be processed immediately. 
Using my XXXX XXXX account, I made one payment of {$290.00} to : first name : XXXX last name : XXXX XXXX When I gave XXXX the conf. number, he claimed it didn't go through and would I please try again. I sent another {$290.00}. 
The confirmation number I got from XXXX was : XXXX I was contacted at XXXX XXXX, apparently by a " supervisor '' named XXXX XXXX ( phone number XXXX ) who said he had received confirmation from XXXX XXXX that my first payment would be credited back to my account and only the second would be processed. 
When I was able to look at my XXXX account online, it was clear that my account was NOT delinquent and was clearly scammed. I am now out {$590.00} for these two payments through Zelle.
Consumer complaint received 2021-07-06
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: STERLING JEWELERS, INC. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -KAY JEWELERS # XXXX -XXXX  # XXXX -XXXX # XXXX XXXX # XXXX -XXXX  XXXX XXXX  # XXXX -XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WA)

PAYPAL WOULD NOT LET ME CANCEL SOME MONEY I SENT THAT AN ASSISTANT XXXX XXXX COULDN'T ACCESS so i canceled that online account so it would revert back to my card AND THEY STOLE IT AND WON'T ALLOW ME TO ADD MY PAYPAL CARD TO retrieve my information even OF MY PAYPAL ACCOUNT LIKE IT'S SOME actual financial rule OF LAW IN FACT I AM A XXXX WIDOW VETERAN AND THEFT FROM ME IS GOVERNMENT WASTE FRAUD AND ABUSE EXACTLY
Consumer complaint received 2021-08-16
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. (VA)

I am filling a complaint because XXXX has ignored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-45 days mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thanks!
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I made a deposit of {$500.00} with XXXX XXXX XXXX XXXX on XX/XX/2021. After making the deposit I have been unable to get in touch with anyone at the office. On XX/XX/2021 I contacted Chime to dispute the charge. I was told the dispute could take up to 90 days for processing due to the type of dispute it is. I waited for that time to pass, checking in intermittently. I was always told to expect a resolution no later than XX/XX/2021. 

As of today, XX/XX/2021, the dispute is still outstanding. I have called Chime 's customer support repeatedly as well as communicated via the app, and keep being told it is being escalated. Yet it still isn't resolved, I still haven't heard from the merchant, and I don't have my money.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (KS)

I made several calls to Elan Financial services prior to a major purchase, after making an {$18000.00} payment. I called in advance and several times throughout the experience to ask for guidance and get help. Along the way I was apologized to and encouraged to make the large transaction purchase. I was very thorough in my explanation of the purchase and received assurance each time I called that there was an error on their side and I should returned to the store for the purchase. Ultimately my purchase was declined, despite being well within my credit limit. I was also assured by multiple levels of fraud and customer service personnel that my account was fine. After 3 days of calls and assurances my account was closed for high risk transactions. I received a letter accusing me of lying on my application or not keeping my commitments. I have never missed a payment and recently paid off the account in full. This is unacceptable. I want a high level director or above to listen to each call ( they are all recorded ) and explain how I was at fault in any way. I will be filing this complaint with all applicable regulatory and consumer protection agencies.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

In XX/XX/2020 Elan Financial services used a company called XXXX to collect debt from me which was owed. Total amount owed was {$1300.00}. I got 3 letters stating if I paid {$540.00} the account could be settled and closed. In XX/XX/XXXX I had called XXXX and they settled the account and told me it was closed and everything would be processed. For the last 3 months I saw my credit rating go down because Elan is stating that I still owe them {$810.00}. I have called multiple times and they state I either pay or the account will keep affecting my credit. I asked to request a manager over and over again and I can not reach one what so ever, and they can not help me. I am trying to settle this because this debt that I settled a year ago keeps coming back to haunt me and the company will not help me at all when I payed what was asked.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is Equifax. Thank you!
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IA)

My debit card was charged 6 times in an interval of 2 days by a company Called XXXX XXXX for around XXXX dollars it was a online charge done in the middle of the night i reported to Citibank on the same day and they hace done nothing about it and they even charged me an overdrawn fee.
Consumer complaint received 2021-08-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (GA)

Shellpoint Mortgage Services/NewRez : I pay my mortgage on the first of the month. This is the second time they say the have not received the payment. I'm getting a call a day, even on the weekends about refinancing that I have never requested. When I ask about my payment they say that the mail is running two weeks behind ... ...
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (DC)

Jefferson Capital XXXX continues to lie to the credit agencies about a debt and I continue to request that it is removed yet they continue to change the date on this debt. To me that is criminal but at least it needs to be corrected, it is over 8 years old and was never valid in the first place.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (MD)

Equifax continue to report a public record bankruptcy on my report. They stated on my report that they validated the alleged bankruptcy via XXXX but the bankruptcy is not on XXXX.
Consumer complaint received 2021-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

On XX/XX/2021 I sent a written request to Evergreen Professional Recoveries requesting a breakdown of fees, a copy of my signature with XXXX XXXX showing my signature that allows a release of information, and to cease any credit bureau reporting until the debt was validated. I included a copy of the same request that was sent to all three major credit bureaus. Evergreen Professional Recoveries received the letter on XX/XX/2021. XXXX  and XXXX  removed the accounts from my credit bureau after 30 days due to lack of information from Evergreen Professional Recoveries.

I sent a follow up letter to Evergreen Professional Recoveries on XX/XX/2021 after I did not receive a response of any kind from them. The USPS tracking system shows that they received the letter on XX/XX/2021. To this date I have not received any information from them, they are still reporting my information to XXXX  and one account is still showing on my XXXX  report ( account # XXXX for {$510.00} ). I am attaching copies of all letters and certified mail receipts.