davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I was several months late on my loan payment to XXXX, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

XXXX also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (CA)

I have not received {$100.00} ( paid {$5.00} fee ) Fathers Day card Vanilla confirmed in XX/XX/23. It has now been 11 working days; allowing 3 business days for processing 8 days later wouldve reached me by XX/XX/23. Visa states card will be received in 6-7 business from date of order. ( See below copies of your confirmation email. ) As of XX/XX/23 XXXX XXXX, I have called customer service 4 times each with excessive wait times; sent email XX/XX/23 ; checked on vanillagift.com ( no record of order ). 

Now Ive been told I have to wait 15 days from XXXX-with no explanation. Asked to speak to a supervisor call was dropped after 17 minutes of holding, 2nd hold to speak with supervisor waited 57+ minutes-never picked up.
Consumer complaint received 2021-06-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nationwide Recovery Group LLC (OR)

I had a message left on my Oregon cell phone fromXXXX on XX/XX/XXXX at XXXX XXXX   that XXXX XXXX " personal locator '' was calling about some legal document. 

I called back and they said I had a payday loan from XXXX I had not paid. I gave her my debit card number and she charged {$250.00} at XXXX XXXX. 

When my wife got home she told me it was a scam or illegal collections practices because The statute of limitations in Washington is 6 years. I was never informed there was any balance after I paid it. I was never served by anyone. I have never been contacted by anyone about it before today and it does not appear on my credit.
Consumer complaint received 2023-09-27
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (FL)

downloaded the app for " XXXX XXXX '' was looking over for information a few days after, charged. 
Reviewed the app, and was charged for a years worth of their service. 
I have called and disputed with my bank. 
Have not been able to get a hold of any customer service with the website for " XXXX XXXX '' Both chat that says XXXX customer support. which is not true. 
and phone line continues to disconnect after stating they " are busy with other customers '' I searched the name online and have seen other victims go through the same issue. 
This site should be reported!
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (OH)

I was several months late on my loan payment to PNC, then brought it up to current. They incorrectly applied my payment to the principal instead of to bringing the account current. I have now incurred : - an unknown amount of interest and late fees that I should not have been charged. 
- at least two months of false information being reported to the credit bureaus due to this bank 's error. 

I asked the bank to handle it. I talked to an assistant manager in person at a branch. I was told they have a team just for these kinds of problems and that I would be called within 24-48 hours. The week has now ended with no contact or followup. I have no confidence that they understand what they did wrong or that they will correct it in a timely manner. My credit is ruined, and I can't refinance the loan with another company that will charge me less interest, and they know this, and they have a massive incentive not to fix it quickly. 

PNC also refuses to show me a detailed breakdown of how much interest i have been charged, how much late fees I have been charged. This information is not availbe on their website and the bank refuses to provide it in person. How is this legal?
Consumer complaint received 2021-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates, LLC have continuously violated my rights as a federally protected consumer. They have yet to validate that the account is mine. They are in violation of FDCPA 15 usc 1692j, FDCPA 15 usc 1692g, FDCPA 15 usc 1692f, FDCPA 15 usc 1692e, FDCPA 15 usc 1692d and probably many more if I do more research. In XXXX of XXXX they zeroed out the account and closed it but have been and still are reporting to XXXX XXXX XXXX XXXX  the it is still {$330.00} owed to the account. I also received the same letter in XXXX of XXXX. But the continue to violated my rights and ruin my reputation with an account that is reporting incorrectly nor have I received its validity.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/2018 I sent a certified letter to Experian informing them I had several wrong names and addresses on my credit report and asked them to remove them. I provided my correct name and address, along with a copy of my driver 's license, social security card and my utility bill proving my address. I received a copy of my credit report about three weeks later stating they " resolved '' the issue, but all of the information I requested removed remained on my credit report.
Consumer complaint received 2018-03-06
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. (NC)

In XX/XX/2018 I filed a dispute with Equifax by mail regarding a debt of {$200.00} with XXXX XXXX XXXX requesting that Equifax confirm this debt is not mine, and remove it from my credit report. They came back confirming that this debt was mine and kept it on my credit report. I called XXXX XXXX XXXX on XX/XX/2018 and a representative at XXXX confirmed that this debt is not in their records under my name within their system. Equifax did not investigate this dispute properly for if they did they would have removed it from my credit report. I am filing a complaint against Equifax investigation process. A satisfactory process would be that Equifax does the job that I am requesting and remove this debt immediately since it is not my debt.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

To Whom it may concern, I have tried to work with Net Credit and its customer service representatives over the phone, but I have not received acceptable results. In addition, I have read my contract, but the contract is not defined. For example, nothing in the agreement states interest rates or what percentage of my payments are going back to my principal balance because the contract hides the facts of the line of credit payment facts from consumers. 


Best Regards, XXXX XXXX
Consumer complaint received 2019-06-22
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. (FL)

I am unable to determine what the charge is for. I need more information regarding the account but Equifax and XXXX did not respond.. I request that you send me the name of the creditor to whom the debt is owed, the contract bearing my signature and all other important documents that my prove that I owe this company. If you can not provide it, delete the accounts XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-04-17
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: Santander Consumer USA Holdings Inc. (OH)

Santander Consumer USA continues to report a closed tradeline past the FCRA reporting period. I've asked XXXX, XXXX and XXXX to remove this tradeline and have not been successful. The tradeline contains several 30, 60 day late payments and still negatively impacts my ability to get a good loan rate. This tradeline was with my ex and needs to be removed as it was opened/closed in late 2010.
Consumer complaint received 2019-06-22
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. (FL)

The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX,
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

There was a change on my credit report with a company " lobel financial '' the account was showing as a closed account and started reporting current with a balance increase after years of no change. I contacted lobel and asked to please send me an itemized bill and advised them that I did not receive documents for the sale of vehicle at the end of XX/XX/XXXX. When I called they forward me to legal department and I spoke legal rep names XXXX. XXXX stated that this was turned over to a collection agency and I needed to call XXXX. When I called the number on a separate line is disconnected. I advised XXXX that and also told her it does not show a collection agency on my credit report. She said she doesnt know what to tell me. When I asked her why it was thousands more from the original loan amount and even after sale of a car and she said legal fees. I asked her what legal fees and she claimed for the attorney. Advised that there is no judgement so what did the attorney do and she refused to answer. She tried to give me a break down of the charges and amounts but what she told me was over XXXX less then what was being reported. I told her to please send me the documentation and she refused to take my address. I tried to give her my new address multiple times and she said she would not send me anything and hung up on me. I did contact XXXX after and advised them that lobel has refused to take my address. They were able to take my address and said will contact lobel directly to have them send me the documents that I legally have a right to. I also mailed and sent my request to lobel on XX/XX/2018 advising if they are unable to provide me with the documentation verify the debt and amount owed to remove this from my credit report. I still have not received in proof that this debt is owed. After the sale of the vehicle the balance should only reflect XXXX. What lobel is doing and how they treat consumers is completely unjust. As of today lobel has not removed this from my credit DESPITE me requesting documentation and writing a letter of dispute with no response. In fact the balance continues increase every month on my credit.
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CO)

I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them.
Consumer complaint received 2022-02-02
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. (PA)

I recently received a copy of my consumer report from Equifax, XXXX and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer report!
Consumer complaint received 2019-06-22
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: EQUIFAX, INC. (FL)

It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP
Consumer complaint received 2019-10-09
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. (PA)

Experian XXXX Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX  account number XXXX XXXX XXXX has Discrepancy in the High Balance, last Verified date, date open, date closed, creditor type, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 
Balance owed : If this account is a charge off/ collection how will it currently have a balance owed, past due amount ect. 
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Consumer complaint received 2021-02-16
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: Experian Information Solutions Inc. (NV)

MY EXPERIAN MEMBERSHIP NUMBER IS ATTACHED AS AN ATTACHMENT. I'm also attaching an Experian dispute response from them with my exact name, address, and report number from XXXX, which proves that Experian providing false statements to the CFPB in order to close complaints quickly. 

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

THIS IS THE 3RD TIME EXPERIAN HAS USED THIS UNLAWFUL TACTIC OF SAYING I'M NOT THE ONE SUBMITTING THE COMPLAINT TO CFPB TO CIRCUMVENT THE LAWS. 

I also submitted XXXX XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. Experian used the same unlawful tactic to respond to those. They claim I am not listed on the account, which further confirms these accounts should not be on my credit profile. They need to be deleted IMMEDIATELY! 

If I'm not the correct person, and Experian allegedly doesn't have a customer by with my name, SSN and date of birth, why did they remove XXXX XXXX as I demanded since I filed a complaint on XXXX, XXXX, and XXXX? It's because I am the person whose credit profile I've been filing disputes and complaints regarding. 

All these accounts that I have declared not mine have already been deleted by XXXX  and XXXX. My credit profile on Experian is not 100 % accurate. Experian refused to follow the law after repeated attempts to demand that they do. I am going to file a lawsuit against Experian and use these CFPB complaint denials as evidence of their tactics to skirt the law. 

The following accounts need to be deleted from my credit profile IMMEDIATELY per my FTC identity theft report : XXXX XXXX XXXX ( both accounts listed ).
Consumer complaint received 2019-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following student loans were reported on my credit report.. .I disputed the accounts with XXXX, XXXX , Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. US DEPT ED XXXX, USDOE/XXXX XXXX, US DEPT ED XXXX
Consumer complaint received 2019-04-17
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: Experian Information Solutions Inc. (AL)

I had a XXXX XXXX credit card I got in 2014. I just did a settlement on this account and was told it would be deleted from my credit report. It is still showing up and its hurting my credit. I have sent numerous requests to have it removed and its still showing up. I would like this account removed immediately from my Credit report and sent an updated copy of my report when item has been removed.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (VA)

Ive been using Southwest Chase credit card since XXXX, maintained well like my other cards i paid on time never missed any payments my credit score is  about 760 and decided to get chase business credit card applied on XXXX XXXX then i waited for couple days havent heard anything till XXXX XXXX i woke up and checked my email and saw email sent from chase saying they are closed my southwest chase account I thought it must be a mistake checked my account through chase mobile app works and called to ask whats going on they transferred me back and forth finally got explanation of " you applied multiple credit cards short period of time '' i have total of only 5 open accounts couple " hard inquiries '' including this closed account now my credit score is  dropped by 6 points these points are fine i can accept it but can't accept closed account report that stays 10 years on my credit history. Lastly they refunded XXXX $ annual credit card fee.
Consumer complaint received 2019-06-22
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: EQUIFAX, INC. (WV)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-06-21
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: I.C. System, Inc. (MD)

The accounts on both XXXX and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
XXXX XXXX XXXX ( XXXX XXXX ) I C System ( XXXX ) XXXX XXXX ( XXXX )