davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-15
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: Exeter Finance, LLC. (CA)

Hi all these inquiries have reappeared back on my report again you guys helped me erase them I was or am a victim of identity theft from a ex who runs my social security number to the group please help me
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I never had credit or applied for any types of credit or loans. I recently downloaded XXXX and saw a couple accounts listed on my credit report that I have no knowledge of. I ask that these accounts be removed from my report because they don't belong to me.
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: Experian Information Solutions Inc. (NJ)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.
Consumer complaint received 2024-04-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Current interest rate is 16.75 %. I was on a reduced-interest payment for over a year and made timely payments each time. This payment amount was about {$170.00}. That program has ended and the interest has shot up, my payment is now about {$270.00} a month. The ONLY other program they are offering is short term interest only, which would make my payment {$230.00} but would not touch the principal. I have been paying on this loan monthly for almost XXXX years, in fact have almost entirely repaid the principal back if not more - yet still I owe more than I took out. I took out {$14000.00} and currently owe over $ XXXX. I've attached lifetime history of transactions to back this up that I downloaded from their website. 
I have called Navient several times this last couple months to request what programs available, am always told only the interest-only is an option and to try to call back later. Last rep I spoke to was today, XXXX. The rep I talked to before that suggested that I wait until my payment was late to call back and see if there were any options. I am really trying to get this paid off- but it is clear they do NOT want me to pay it off, just to keep paying for the rest of my life. This should be illegal.
Consumer complaint received 2022-12-17
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (PA)

After receiving a CHIME XXXX XXXX XXXX  for referring two customers to join CHIME, I contacted XXXX XXXX XXXX to report that I do not have CHIME banking and did not refer anyone. A representative who called herself XXXX, wanted my social last 4 digits and DOB. I refused and asked for supervisor and was told there was no one and that Chime Financial was an online technical bank service with no address or Country of origin. So in order to report fraud I had to supply her my info and without it she could not help me. After talking with her at XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, I receive an email " Welcome to Chime, Create a password on Chime link. This is not the first incident of reported identity theft. I have never requested anything from Chime, referred any person, nor opened any account with this institution, nor their " Chat '' room. Thank you
Consumer complaint received 2022-06-05
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)

Per Experian website below and on their credit reports attached to this compliant, it states Experian uses XXXX XXXX as the furnisher of Bankruptcies. I requested XXXX XXXX to verify the source of their information. The results of XXXX XXXX investigation was the bankruptcies were unverifiable. Please see the attachment. XXXX XXXX mailed results are dated for XX/XX/2022. 

Experian sent a dispute letter to me, dated XX/XX/2022 stating the results of their investigation into the source of the bankruptcies were still pending. Experian sent another dispute letter, dated XX/XX/2022 stating the bankruptcies were verified. However my attached XXXX file and investigation letter resulted in a deletion of both bankruptcies from their credit file. 

This clearly shows that Experian is not doing investigations of complaints nor is it checking with the entity they hired to furnish the information of bankruptcies. 

The results were mailed to Experian under tracking # XXXX via USPS but shouldnt have had to be had Experian done their due diligence. 

XXXX XXXX XXXX
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX. 

XXXX from XXXX XXXX on XX/XX/XXXX. 

XXXX from XXXX on XX/XX/XXXX
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Im a XXXX and a XXXX essential worker. Due to XXXX complications I ended up not being in the physical state to make a payment. I had more than enough funds to pay. My partner also called at the time to try to make a payment on my behalf but Capital One would not talk to him Ive see Capital One has removed late payments for other essential workers and I was hoping the same could be done for me. 

Please see attached my XXXX ID.
Consumer complaint received 2022-06-05
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. (CA)

I disputed with XXXX, Equiafx and XXXX XXXX that the adverse reporting for XXXX and XXXX of XXXX was inaccurate and requested that the information be rekeyed to reflect accuracy. XXXX XXXX, manager with XXXX responded to the CFPB complaint that the payment history reflects XXXX and XXXX of XXXX was not late. I have provided the payment history received from XXXX to the three major credit bureaus multiple times and have requested in pursuant to FCRA 611, law regarding reporting of accuracy information, that they remove the adverse rating or rekey the information so that the 30 days and 60 days for XXXX and XX/XX/XXXX are no longer reflecting in my credit history. I have received a response back from all three major credit bureaus stating that XXXX, has verified the information to be correct. The findings in the response to the dispute letter and the most recent free credit report provided to me by each agency dated on XX/XX/XXXX reflects that they are still reporting me as late. On XX/XX/XXXX, I provided the payment history from XXXX again reflecting my payments were on time for XXXX and XX/XX/XXXX to XXXX and XXXX XXXX. Equifax online dispute will not allow for me to upload any information but I submitted a dispute and explained the situation. In addition, I submitted a dispute with XXXX XXXX and provided the payment history and they provided the payment history to Equifax along with that I sent the information via US Mail to Equifax twice. All three major credit bureaus have the proof that I was NOT late in XXXX and XX/XX/XXXX and yet they have refused to update the report to reflect accurate information. They have refused to remove inaccurate information which means they are in violation of the FCRA laws. I have requested XXXX to provide a letter to XXXX, Equifax or XXXX XXXX to remove the adverse reporting for XXXX and XX/XX/XXXX, they will only provide a payment history which has not helped me. According to XXXX, XXXX and Equifax XXXX is stating the reporting is correct. I'm asking for help on this as I don't know what top do. The adverse reporting has caused organization to not extend credit to me, denying me for a Home Loan and when credit is extended my interest rate is much higher. The most recent credit that was extended the rate was 19.99 % because of the most recent late payment history. I'm reaching out to CFPR for help in resolving this matter.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

My credit card bill is due every month. Some payments I make on the due date on the XXXX of every month. I can barely afford my bills and all the crazy interest rates we have now. On several occasions when iv had to pay my bill on the exact due date they don't put my payment in till the next day causing me to incure a late fee. It's purposely done as retribution for the confrontations iv had with several of the bank employees over these same type of issues. Iv had to close my checking and my business account becuase of the predatory fees they were slamming me every month. Some of wich they had to refund me in the form of a check per the government. Wells Fargo is a known predatory bank. They are all over the media for some of the slimiest banking tacticts in banking history. They are taking advantage of the poor in one the worst economies in history.

The bank I'm referring to is the : Wells Fargo Bank of the United States XXXX XXXX XXXX XXXX. 
XXXX XXXX, Florida XXXX
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have a business credit card with Bank of America. I set up auto-payments for the balance on the card every month to be paid from my bank, XXXX. I set the auto-pay up correctly. 

When the bill was due, Bank of America messed something up. My XXXX account never received a request for transfer of funds from Bank of America ( and there was plenty of money in the account if it had ), but Bank of America has assessed it as a " returned payment. '' As a result, Bank of America has lowered my credit limit from ~ {$7000.00} to {$2000.00}. I suppose that is their prerogative, but it's pretty annoying! But, what they're doing that is illegal, is misreporting a " returned payment '' to the credit agencies, thus hurting my credit. 

I have called on four separate occasions and they have been completely unwilling to solve the issue. They have done no due diligence whatsoever on what went wrong- they simply told me to write a letter to the credit bureaus. They never called XXXX- if they had, XXXX would have told them that their request never got through ( despite my setting up it up 100 % accurately.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CO)

I currently have cryptocurrency being held by Gemini Trust Company LLC in my " Gemini XXXX '' account. The amount is around {$100.00} at today 's prices. Gemini has frozen withdrawals from these accounts for over a month now. There is no timeline on when I can expect the funds to be released back to me. 

At this point Gemini is committing fraud and has outright stolen their customer 's money. Their business should be shut down so that they can not continue to steal customer 's deposits like they have from me and thousands of other Americans like me. Gemini should be forced into bankruptcy if they can not make their customers whole. This charade has gone on long enough.
Consumer complaint received 2022-05-16
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: EQUIFAX, 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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 2022-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (PA)

My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX has 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 a account without my written instructions
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Back in XXXX I wrote a good will letter to you all ( Capital One ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.
Consumer complaint received 2022-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (FL)

This is regarding a boat loan with Yamaha Finance. On Thursday XX/XX/XXXX I logged into the website to link my credit union account so I could pay off the loan. In order to link the account you must make a payment, so I paid XXXX just to make sure it linked to the account properly. The transfer completed on Friday XX/XX/XXXX so on Saturday XX/XX/XXXX I contacted Yamaha Finance for the payoff so I could pay the loan off. They provided the amount but when I went to make the payment the system would not allow me to continue. The Yamaha finance employee stated that because I had made a payment on Thursday ( clearing Friday ) I was not able to make another payment for at least XXXX business days. I would need to call back and get a new payoff as the finance charges would continue to accrue. I stated I did not understand, it would certainly make sense that it wouldnt process until Monday since it was a weekend but they were telling me I couldnt make the payment Monday that because it cleared Friday I would actually have to wait until Wednesday. I asked for a supervisor and I was told they were sorry but there was nothing they could do, I would just have to call back Wednesday and pay the additional interest. I have gone over all disclosures from my original loan as well as all disclosures on the website and I can not find anywhere stating that you can only make XXXX payment every 3 days.
Consumer complaint received 2022-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

My Pay-Pal account was hacked and an unauthorized payment was made for the sum of {$270.00} CAD ( {$220.00} USD ) early on XX/XX/2022 ( approx. XXXX ). I noticed the activity XX/XX/2022 and called both Pay-Pal and XXXX XXXX XXXXXXXX because my bank account was attached to Pay-Pal. Pay-Pal opened a case, but informed me on XX/XX/2022 that the " transaction is consistent with your PayPal payment history '' which is not true because I've never paid anyone in CAD. When calling, the phone representative did not give any explanation other than stating that the IP address was the same. This can not be true because I was on a flight at the time with XXXX access to the internet. When challenging, the representative stated that they stole my password and PayPal was not to blame. I have been on hold with PayPal for a while now to no avail. I am disappointed with the company and can not believe the reaction.
Consumer complaint received 2022-06-04
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)

Recently my credit score drop over 100 points because Experian is showing two serious past-due mortgages. My report should only reflect one mortgage. Also, the two mortgage servicers XXXX XXXX and XXXX are one and the same. I have attempted to dispute this with Experian, but they have refused my dispute
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Of XXXX Account # XXXX, XXXX # XXXX, XXXX XXXX Account XXXX XXXX has 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 a account without my written instructions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX || Date of inquiry : XX/XX/2023
Consumer complaint received 2022-12-17
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. (AL)

When logging into Equifax 's web site there is no way to dispute, 1. Accounts that are to old to be reported. 2. they are improperly reporting account history. 3. There is no access to dispute forms to disputer any of the above. 4 There is no way to print your credit report from online. When I called to ask how to get a disputer form I was told they are no longer provided them.