davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

On a rotating basis, I request my free annual credit reports from the 3 credit agencies every 4 months. I have no problems with XXXX and XXXX. For XXXX  and XXXX the online requests always work and I receive my free annual credit report without drama. Equifax on the other hand, fails every year. Every time I request my free annual credit report from Equifax the online request responds " Online Delivery Unavailable ''. I am 100 % certain that I answered the questions correctly. There was one question about a credit card I've had since the XXXX and the other questions had nothing to do with me. I answered accordingly. I am convinced that Equifax intentionally attempts to frustrate and deny the online requests because there is no money in it for them and they hope to force people to buy some of their products. The Consumer Financial Protection Bureau should take enforcement action against Equifax and force them to do what the law requires them to do - provide free annual credit reports when requested by consumers to do so. On XX/XX/2019, I sent Equifax a letter demanding they provide my free annual credit report. Enclosed with the letter was a copy of my Social Security Card and Texas Drivers ' License - the documentation that Equifax required. I've still not received my free annual credit report from Equifax. Equifax is flagrantly violating the law and inconveniencing consumers. Please force Equifax to immediately provide my free annual credit report as required by law. 
Thank you.
Consumer complaint received 2019-10-12
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/2019, Received alert on my credit report someone had open account in my name. However, they used the incorrect information like my address they had given wasnt correct. PayPal, they have give my old address which I hadnt live there in ( 8 ) years. Contact PayPal, on XX/XX/XXXX and they verified my correct information and closed the account but yet its still on my XXXX  credit report as : XX/XX/2019 SYNCB/PayPal XXXX  XXXX XXXX XXXX XXXX MD XXXX. Contact them again on XX/XX/2019 had me on hold for 1 hour and 30 mins and did absolutely nothing they stated once I filed my complaint with them they would removed it off my credit report. I did send them an email request to close that account due to the fact it wasnt my account at all. Once I updated my address it and verified who I was she determined that it wasnt my account they did closed it and did send me an email. PayPal, is using customers information without any kind of verification when they open up these account and hit customers credit report with a hard inquiry which I want them to take responsibility and take it off my credit report.
Consumer complaint received 2022-10-14
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. (TX)

I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank
Consumer complaint received 2023-03-22
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. (GA)

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

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I dispute unauthorized hard inquiries on my credit report, made without consent. They do not reflect legitimate credit inquiries. Request prompt removal per FCRA and FTC guidelines. Please investigate and confirm removal. Thank you.
Consumer complaint received 2019-10-12
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. (NJ)

On XX/XX/XXXX I disputed inquiries on my credit report with Experian to remove the unauthorized : XXXX XXXX also known as XXXX XXXX Then on XX/XX/XXXX I submitted a second dispute to remove the same inquiry. As of XX/XX/XXXX I received a response indicating after Experian investigation they found the account to be accurate. 

However, the XXXX  account found to be accurate was my XXXX   mortgage account i had since XXXX NOT the unauthorized inquiry from XXXX on XXXX for a XXXX credit card. 

I specifically ask Experian to investigate the XXXX XXXX. 

As a result of the completely wrong investigation Experian has removed 28 points from my credit score because of there error. 

XXXX XXXX  is for XXXX XXXX XXXXXXXX XXXX is credit CARD Therefore my credit profile has been impacted significantly with the inquiry remaining on my report. 

This left me compelled to write this complaint requesting my score to be adjusted and explain why your results of the wrong item on my report lowered my credit score? 

I am also still waiting for the removal of : XXXX XXXX INQUIRY TO BE REMOVED. 


Also there has been a XXXX alert placed on my report to show that there have been some unusual activity with all credit bureaus so why didnt Experian look in to the unauthorized inquiry?
Consumer complaint received 2019-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Every year when it is time to re-certify my income, Nelnet asks me to send in documentation. Every year, they tell me I have to wait a few weeks for my paperwork to be processed and I have to use forbearance while they review it. And every year, they tell me they didn't receive part of my paperwork, causing me to waste additional months of forbearance. I sent my paperwork in this year as a single PDF, yet somehow ONE of the pages was missing, which will again cause me to waste another month of forbearance. I am only allowed 36 months of forbearance for the life of my loan, and Nelnet conveniently loses paperwork as a predatory way to make me use it up when I don't really need it. 

Living in California, where cost of living is astronomically higher than the federal average, it is already a struggle to pay back student loans based on my income. I fear that if I really fall on hard times and need forbearance, I wont have any left because it has all been used up based on Nelnet " losing '' my paperwork.
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

North American Credit Services is attempting to collect an XXXX  debt. I have sent several letters to the company that go unanswered and I continue to get collection letters.The practice is quite suspicious because they have not acknowledged any of my requests ; I specifically asked they have the original creditor contact me to validate the debt but as previously stated, they have not answered or acknowledged any of my requests.
Consumer complaint received 2019-07-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Good afternoon I need to Filed a complaint on Equifax due to Negative reporting on two XXXX #  XXXX # XXXX I received a letter from Office of the President of XXXX after his investigation He found that XXXX is reporting to XXXX / Equifax and XXXX as closed by with 180 days delinquent with a balance of {$1800.00} But when I look at Equifax report dated XX/XX/19 however Equifax is showing a balance of XXXX how is this so?? and XXXX is saying XXXX this is inaccurate information and needs to be delete from my credit file. again I want to remind you this information is verified via the source see attached files! cfpb even have a copy of this! 

XXXX XXXX is reporting per the president office is reporting XXXX but However Equifax you are reporting XXXX again keep in mind this is written in black and white from the source Please delete these two accounts for erroneous reporting fcra clearly states that all information must report 100 % percent accurate! thank you also before I go you have hurt my ability to obtain anything with this Negative reporting Please delete these two account asap
Consumer complaint received 2019-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

To Whom It May Concern, The reason for my dispute is ERC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ERC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ERC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ERC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I went to get a city sticker at the local currency exchange. Although I had cash I decided to pay the additional {$2.00} fee in order to buy my license plate sticker. I was checking my credit card statement some days later and capital one decided to charge me {$10.00} cash advance fee and {$.00} in interest charges. I was surprised and called them the day after. I let them know I have never drawn cash on this account and asked them what it was related to. They said the currency exchange ran the transaction as a cash advance. I let them know I didnt get cash and I was not informed. If I wouldve known I wouldve just paid cash. I asked them how can I be protected against this deceitful charge in the future if the merchant doesnt let me know. Capital one has no answer for me after making me wait 20 minutes. In addition. They didnt want to file an electronic dispute. Lastly told them to waive the fee which was insignificant but wrong in principle. After making me wait 10 additional minutes they denied my request. With the security breach that has been part of the news as well as this experience I will be ending my relationship with them. However I wanted to escalate this matter so they can better protect their customers from deceitful charges. I appreciate you know the matter head on. Thanks.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

According to my account, I am overdrawn. I reviewed my account online and not all of my previous transactions are listed. Every time something like this happens it appears that the bank posts what they want to first which results in a larger overdraft and more fees. I have complained about this problem before. And about not being given enough of an opportunity to fix the problem. Now I do n't get paid for another week and a half and will continue to be charged {$12.00} every 3 days until balance is corrected. I was only give half of my overdraft fees last time, because I was told the district manager never approves any overdraft fee reimbursement. Well, I think the problem needs to go higher up.
Consumer complaint received 2017-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On   XX/XX/XXXX ,   Hurricane   XXXX  destroyed my home. I was evacuated and currently reside in FEMA transitional housing. I contacted Bank of America,  XXXX   XXXX   XXXX  in   XX/XX/XXXX  to  notify them I  FEMA  evacuated me, rendered my home dangerous and uninhabitable. I also gave them a copy of the City of  XXXX  storm water report,  XXXX   XXXX   XXXX   XXXX  report and NC  XXXX   XXXX   XXXX   XXXX  report. In short, when the  XXXX   XXXX   XXXX  levy broke, the water eroded the ground under my home and its now falling off a cliff.   Bank of America has continued to FORECLOSE my property knowing that the home is on the FEMA but out list in  XXXX  NC. There predatory lending practices and negligent updating of my records has ruined my credit and no one will rent me and kids a home. Ive been Homeless sinc e  XX/XX/XXXX . Ive asked for a Discharge of this Debt and they refused and s erved me toda y  XX/XX/XXXX  with Foreclosure paperwork. Bank of America is forcing to pay for a   condemned home when they can Discharge the Debt due to  Hurricane   XXXX .      XXXX   XXXX   XXXX   XXXX  also failed me miserably. I signed forms for them to assist and advocate for me and they DID NOT facilitate my request. My worker  XXXX   XXXX  refused to follow  NC Disaster Legal Service  rules for Natural Disaster even when I told him to do so and provided him the steps. He requested I sign a short sale form for my home with " NO '' resale value. That neglect action furthered my Foreclosure status. They are contracted by NC and receive funds to help  Hurricane    XXXX  Victims and that 's not being done by  XXXX   XXXX . He should be reprimanded for making such fatal mistakes.     My credit and my life has been ruined due to these agencies. I cant rent or buy another home. At no time should a condemned home on the FEMA ACQUISTION LIST be foreclosed on. We lost enough and now Ive lost the ability to rebuild my life. I 'm a  XXXX  Veteran with  XXXX  kids and I just want my own place to live again and stability for my kids. The agencies were suppose to help and instead they 've destroyed my sanity, credit and lively hood. Ive been diagnosed with  XXXX  and  XXXX  since  Hurricane    XXXX .      XXXX   XXXX  has also ruined my credit and failed to protect Hurricane  XXXX  victims. I turned in my Van due to  Hurricane    XXXX  damage and they listed on my credit as a volunteer repossession. I called them to come get if because of storm damage. I want that debt discharged too. I should n't have to pay for that.     PLEAE HELP ME!!! PLEASE CALL ME WHEN YOU RECEIVE THIS , IM TIERD OF FIG HTING THEM TO DO RIGHT BY ME.      XXXX   XXXX   XXXX   XXXX  loan #  XXXX  email :  XXXX  XXXX  XXXX
Consumer complaint received 2021-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Account being accessed from other devices than mine using the same login credentials transactions that do not show up on my transaction history cards added to a mobile wallet that I did not authorize crazy fluctuation  of balances and unable to self-service the account through all my banking for example in reporting my car lost or stolen
Consumer complaint received 2019-10-13
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. (MN)

The following accounts and credit inquiries are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XX/XX/2019 and XXXX XXXX XXXX, XXXX. The accounts and credit inquiries are fraudulent. I filed a police report with the XXXX XXXX Police Department. The XXXX XXXX Police Report Case Number : XXXX. The investigating officer is XXXX XXXX of the XXXX XXXX Police Department. The creditors listed above can call Detective XXXX XXXX at : XXXX. Detective XXXX is investigating the fraudulent accounts and credit inquiries.
Consumer complaint received 2019-10-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMW Financial Services NA, LLC (CA)

My bmw that had the loan was stolen XX/XX/2018 over a year ago. Insurance paid out the car and I even made an extra month of car loan payment after the car was gone. Suddenly over a year later I get a collection notice that I owe 800 something dollars from over a year ago. They couldnt explain what the money was owed for or account to why. Before the fact why didnt they contact me to pay the money or tell me I even owed them anytime this past year just trying to ruin my life further for no reason like how they cant explain exactly what the money is for that they claim I even owe them. Over a year is not a reasonable time and to not give me reasonable notice or explanation of the debt.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion & XXXX are incorrectly reporting the account listed as XXXX XXXX there are several inconsistencies in the account listed. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-10-13
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. (ND)

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am in the XXXX business & have been unemployed since the pandemic shut everything down. I have HAD to sell my car. It was financed by XXXX XXXX XXXX XXXX who gave us a XXXX payoff letter ( see attached ). Based on that, the buyer 's credit union sent XXXX XXXX XXXX XXXX a check for {$21000.00} which was more than enough to payoff loan ( see payoff screen ). XXXX XXXX received the check XXXX, last XXXX morning ( see proof of delivery ). On Friday a XXXX XXXX representative confirmed they had received the certified check. But had not reason/excuse for why it had NOT been applied & my loan paid off & so title released. She said I would have to call the " Payoff Dept '' on Monday. 
This has dragged on so long that I have had to make XXXX payments to cover the interest XXXX XXXX KEEPS charging me so the payoff amount is less than {$21000.00}. What a XXXX XXXX XXXX XXXX they are XXXX Plus now, the buyer has been paying interest on his loan at the credit union!! 
This is outrageous treatment of a customer who has made EVERY payment on time & even paid ahead to help my credit & save some interest ... despite being unemployed for over a year (! ).
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC (NJ)

After speaking with my previous insurance provider I was informed that the amount that quality asset recovery is attempting to collect is inaccurate. I am now once again requesting that this collection agency display the original bill in document form. 

Account # XXXX Inaccurate amount {$380.00}