davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-18
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: FORD MOTOR CREDIT CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  - XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS THREE TIMES WITH 40-60 WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE NOTE THAT I HAVE ONLY UPLOADED ONE RESPONSE RECEIVED BY THE BUREAUS, EVEN THOUGH I ATTEMPTED TO REACH THEM THREE OCCASIONS. 

PLEASE INFORM THIS CREDITOR THAT, IF THIS MATTER IS NOT RESOLVE WITHIN REASONABLE TIME AFTER THIS CORRESPONDANCE, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2019-03-22
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. (NC)

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, Experian, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX2018 ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX  or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX  that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit, Inc (SC)

A previous complaint has been filed with regard to our paying off our car loan with Volkswagen Credit. The complaint number is XXXX. We received a check via XXXX XXXX on XX/XX/XXXX for the car payment they took from our account, a month after the loan was paid off. 

Due to Volkswagen Credit 's error going back to XXXX with not updating our record to show that our car loan was paid off on XX/XX/XXXX ( we have the pay-off letter from Volkswagen Credit with this date ), our refund for our extended warranty coverage from XXXX XXXX was mailed on XX/XX/XXXX to Volkswagen Credit as it appeared we still owed money to Volkswagen Credit. On XX/XX/XXXX, we initially contacted VW Credit asking about the warranty refund, and we were immediately told we needed to contact the dealership. The representative did not check our account to see they had the money since XX/XX/XXXX. VW Credit said that we needed to call the dealership, which we did. On XX/XX/XXXX, the dealership informed us that the check was mailed to VW on XX/XX/XXXX, and not to us because of VW 's incorrect records. We called VW again on XX/XX/XXXX, and was told our request to get the check would be expedited. Later that day, we learned through a voicemail that expedited means they will USPS mail out a check on XX/XX/XXXX. On XX/XX/XXXX, we called VW Credit again and said we don't believe that it is unacceptable that " expedited '' means another 10 day wait until the check is mailed out, especially considering today 's USPS service level ( evidenced by a check being mailed out by the dealership on XX/XX/XXXX and not posted until XX/XX/XXXX ). 

This check would have come directly to us if VW Credit 's processes worked. Now they tell us their process is to wait until XX/XX/XXXX to even mail us a check. Their broken process is the reason we are waiting for our money. VW Credit should never even have processed the warranty refund check in the first place once they realized nothing was owed on our account. Since they did process it, they should expedite a check to us via XXXX XXXX as soon as the check has cleared the bank, and the check they say they posted on XX/XX/XXXX will clear much sooner than XX/XX/XXXX. Again, they explained this is their process. Their process is so broken. No customer should have to wait for over a month ( XX/XX/XXXX to whenever we receive the check ) for money that should have been mailed directly to us.
Consumer complaint received 2024-03-07
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. (IN)

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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (MI)

On XX/XX/XXXX I applied for a PenFed credit card and was denied despite having very good credit, using less than 15 % of my available credit and my monthly debts are only 18 % of my monthly salary. These are XXXX of the most important credit history factors and I score excellent in all three categories. I filed a complaint which is attached and XXXX XXXX ( V.President of consumer lending operations ) expressed his regret and claimed my denial was not in anyway discriminatory but due to my short credit history. Well, I decided to apply again on XX/XX/XXXX, this time my credit score is higher XXXX - XXXX which is bordering EXCELLENT. I ave XXXX years credit history have applied for cards from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and others approved each time, but I have closed all those accounts and only kept XXXX, XXXX and XXXX cards. I am using only 11 % of my available credit, XXXX negative marks, My monthly payments are less than 20 % of my monthly salary, but I am XXXX and live in a XXXX neighborhood. Although the neighborhood I live in is XXXX of the wealthiest in XXXX, it's still XXXX. Guess what Penfed again denied me. They are the only banks to ever deny me credit and now twice. I am convinced it is due to discrimination. I have white friends with just above 12 months credit history and credit score under XXXX who have been approved in the last 6 months. So how do they get approved with less credit history, lower credit score and I can not. MUST BE DISCRIMINATION. I would love for PenFed to provide the file they have on me from data they collect.
Consumer complaint received 2024-03-07
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. (TX)

You have the incorrect information reporting and you have failed to update it. As seen on my XXXX & XXXX report compared to yours I have XXXX late payments with this company in fact I paid the loan off early! I asked you over 90 days to update it and you didn't. That's AGAGINST the law. Update the account now please : XXXX XXXX auto loan All months on time See attached
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This month XX/XX/2022 transunion reported my credit score and they reduced it by XXXX points. I have paid everything in time. I have called three times asking them to explain to me what information did they receive or use to determine my score and reduce my score by XXXX points in one month. The other two reporting agencies did not report my credit score dripping XXXX points. I have the right to know what information they received to arrive at such a harmful impact to me personally. I can not get anyone at transunion including a manager and two supervisors that can provide me with the exact information or data they based their reporting on. I feel this is incorrect and critically damaging to me and I can not get an explanation from transunion. In fact they refuse to help me with this reporting problem. By them reporting my score dropping almost XXXX points in one month they have critically damaged me as it has prevented me from getting safe housing and caused landlords and property management companies to require exorbitant deposit amounts. I demand an explanation and proof of the data they used to base their decision to report my score dropping substantially. In my attachments you will see capital one raised my credit limit which should be a positive event because it shows I am paying as agreed. Another attachment reflects my credit utilization is at 20 % which is well below industry standard as it pertains to calculating credit scores at 30 %. There is no reason transunion should have reported my score down almost XXXX points. Transunion has massively harmed me personally and it is criminal in my opinion.
Consumer complaint received 2019-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I had a 1st mortgage with XXXX XXXX, and a HELOC with USAA. I filed bankruptcy 8 years ago, but still make my monthly payments to both of the above companies. On XX/XX/2019 I received a letter from an attorney representing USAA threatening me with foreclosure unless I paid {$1000.00} in arrears, and started making an increased monthly payment of {$170.00} as I was 6 months in arrears. I checked my bank, and all of my payments to USAA were accepted. I called the number for USAA on the letter, which now calls itself XXXX XXXX. They couldn't find me in their system. I started refinancing my loan immediately. When my loan guy and I conferenced called USAA/XXXX, they finally located my account. They admitted, over a recorded line, that I have not missed any payments. They still moved forward with the foreclosure process, and my house is now listed as going up for auction on XX/XX/2019. I refinanced my home on XX/XX/2019, and USAA/XXXX was wired and accepted the payoff of the HELOC on XX/XX/2019, they are still moving ahead with the foreclosure. I have contacted the attorney representing USAA on XX/XX/2019, and forwarded them copies of the payoff documents and the wire transfers.
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

I have a garnishment by the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX who is collecting a past eviction debt for XXXX XXXX XXXX. XXXX XXXX XXXXXXXX has been collecting this debt since XX/XX/2019. National Credit Systems is a collection agency collecting a debt for XXXX XXXX XXXX  as well, which is the same debt. NCS is reporting a balance of {$4500.00} on my credit report for this debt and XXXX XXXX XXXXXXXX is collecting $ XXXX/ Court documents. {$1900.00} has already been applied to this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but NCS is reporting on my credit report this same debt as {$4500.00}. I contacted the law firm who stated they have NO affiliation with this agency. I contacted NCS who stated they have NO affiliation with XXXX. The only thing both parties agreed on was not having affiliation with each other. 2 people can not collect on the same debt at the same time. This is illegal. This collection agency needs to take this off my report because I do not owe them anything. I'm court ordered to pay and has already paid 98 % of this debt already. It's bad enough I'm paying this kind of money for 1  month {$700.00} but to pay an additional {$4500.00} to a collection agency for {$700.00} is ludicrous. This debt is causing financial distress and undue hardship and needs to be removed from my report.
Consumer complaint received 2020-12-18
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-12-18
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I don't understand why only Equifax report this account XXXX XXXX XXXX as late when in fact it is not paid late, the account is current not 120 days late since XX/XX/2017 ... Equifax did not give me evidence or verification as to why they will not reverse the late payments. I was not late on the month it shows on the report, I have receipts to prove this. CFPB please step up and fix this ASAP please
Consumer complaint received 2021-11-08
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. (FL)

Applied for a XXXX XXXX card on XX/XX/2021. After making my application XXXX made two hard credit checks using two slightly different names ( XXXX XXXX XXXX and XXXX XXXX ). The second check occurred almost immediately after the first and was not authorized. 

After calling XXXX the supervising agent said he was unable to resolve this although he confirmed the second hard check was clearly in error.
Consumer complaint received 2023-06-29
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. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These inquiries may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following inquiries are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2022-05-13
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. (PA)

CFPB Write up n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I Applied for the Capital One XXXX  XXXX  Credit Card on XX/XX/2022. Upon approval, I received an email stating that the full deposit ( {$200.00} ) was due by XX/XX/2022 to receive the card, otherwise the account would be canceled. Screen stated that additional deposits to increase the card limit of {$200.00} up to {$1000.00} could be made prior to card activation. No explicit date was stated for when additional deposits were required to be paid by within the disclosure, just that they were required prior to activation ; the only date stated for deposits was for the initial {$200.00} deposit. On XX/XX/XXXX I went online to schedule an additional deposit to be made to the card and discovered I could no longer do so. The message I receive stated that either the Deposit due date had already passed or that the application was no longer valid. I called and spoke to a supervisor at Capital One and explained my situation to them. I was told that the date stated was for not just the required deposit, but for the additional deposits as well. I pointed out to them that the disclosure displayed during the application process did not clearly state that, and as such was misleading. I referred them to other areas on the website where the same unclear terms were reiterated. I had applied for this card to help increase my credit limit so I can rebuild my credit score, and because of the deceptive marketing practices employed by Capital One, the card will not be useable for the purposes it was needed for. Capital One has refused to have their underwriting department fix the issue.
Consumer complaint received 2022-05-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TN)

Dates are ongoing I lost my home my work and XXXX XXXX XXXX XXXX Navient student loan services calls 6-10 times a day and today XX/XX/2022 started calling and harassing people the believe are family member which they are no I have sent emails and mail to tell them to not contact anyone else concerning this account. One potential employer pulled my application this morning because of the call. I have asked and asked written and told them not to contact or harass calls 6-10 times daily every day.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MT)

I am getting emails that I owe Citibank {$88.00}. I have not used the card in months. I can't find the card and I can't get into the account. citibank took taxpayer money for bailouts. Where is my bailout?