davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (WI)

A few months ago this random company showed up on my credit report saying I owed money. I have no loans and have never heard of them. They suddenly send me fliers asking that I pay them. I attempted to reach out numerous times for verification and they just send more requests for money. I attempted to dispute on credit report but they fought it without providing me proof.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2019 I called USAA because the week before I had chatted with someone online about fee 's that were charged to one of my checking accounts. During the chat he had opened an investigation to stop these payments ( as I was under the impression ) I had never heard anything back about the investigation on those specific fee 's. The fee 's were charged by companies I had changed my bank account info over to my new bank account. During the call with the executive resolution department on the XXXX He credited back those fee 's and moved the money back over to my account. He also gave me a {$100.00} credit for a pending debit transaction which was later removed again out of my account for some reason. Another one of my accounts that should have been closed over a year ago was still open so he closed that account. I was also under the impression my other account that was getting charged these NSF fee 's would be closed as well and the fee 's would be credited back to me. He could only credit the ones that had been charged to me as of that day which he did. 
Today XX/XX/XXXX, I'm looking at that account and I see it's still open and has been charged numerous NSF fee 's. USAA has taking {$190.00} out of my current checking account that I use to cover that negative balance which has in return caused me to not be able to pay my bills with that {$190.00} shortage in money now. 
This account should have been closed and any additional fee 's should be credited. 
Today XX/XX/XXXX I called and spoke to someone else in the resolution team who told me I am at my limit and they do not see this account should have been closed when in fact I was under the impression it would be and no more fee 's should be charged. 
USAA has failed me as a customer and has now caused me to not be able to pay one of my bills that I have to pay with them taking {$190.00} out of my bank account to cover a negative balance that shouldn't have been charged anyway since the account should have been closed.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Google Compare Credit Cards Inc. ()

Dear team, Recently I made payment through Google pay worth of XXXX bucks that amount was not reflect in any where I want immediately refund that amount please look in to this ASAP. 
Thank you Thanks & Regards, XXXX XXXX
Consumer complaint received 2022-04-08
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. (GA)

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX COLLECTIONS XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.
Consumer complaint received 2018-06-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In 2007, I was a victim of identity theft. As a result, the IRS and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Equifax. After several years of disputing the debt with the XXXX, and with the help of the XXXX Advocacy group, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Equifax has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Equifax to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Equifax does n't want to do it. I finally called the XXXX Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Equifax to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-04-08
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. (LA)

CARES ACT Violation personal loan late payment XXXX XXXX  XXXX FRCA Violation inquiry XXXX XXXX XXXX Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (FL)

On XX/XX/2022, I went to the dealer XXXX Hyundai located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. To get information about a car lease. Before providing my ID or agreeing to moving forward with any type of deal to lease the car, the representative said they had to do a SOFT INQUIRY to first see if I was eligible for an offer and if it was good for me then we would proceed with the credit application process. They capture my information on their system and before providing it I asked again what type of inquiry was this and I was assured it was only a SOFT INQUIRY. After this I was taken to the finance department and at this point I hadnt signed any consent to submit a credit application or was I asked for authorization to do a HARD INQUIRY on my credit, the finance person proceeded to read an apparent credit report under my name and even gave me my credit score. I immediately asked him again if they had done a SOFT INQUIRY and he confirmed this to me for 3rd time. After he read the report from his system I asked him for a copy of it and he only gave me a paper that showed my credit score, I received this paper after he had the report on his system and even before asking me for my ID or agreeing to submit a credit application since we had not even seen the numbers nor had I agreed to lease the car. After the finance person presented a different offer from what we had been told by the sales representative I declined to move forward and left the dealer. 30 minutes later I found out they had actually run a HARD INQUIRY in my credit report which I never agreed to. I immediately called the sales representative and he was as surprised as I was, he questioned the finance person about the inquiry and I could hear the finance person over the phone yelling at the sales representative and then he picked up the phone yelled at me denying ever saying it was a soft inquiry and hung up. 

Under the Federal Trade Commission Act, Section 5 Unfair or Deceptive Acts or Practices an act or practice is unfair when it ( 1 ) causes or is likely to cause substantial injury ( usually monetary ) to consumers, ( 2 ) can not be reasonably avoided by consumers, and ( 3 ) is not outweighed by countervailing benefits to consumers. Since Hyundai finance is supervised by the CFPB and it cooperates with the FTC, Hyundai is supposed to be in compliance with its regulations. 

FCRA 819 specifies that a party who knowingly and willfully obtains information from a consumer reporting agency under false pretenses shall be fined under Title 18, United States Code, imprisoned for not more than 2 years, or both. '' I was very clear about not doing a hard inquiry if I the deal was not honor because Im under contract a few months out from closing in my house. Now I was left with no car and a hard inquiry preventing me from getting one at another dealership because another inquiry will continue to hit my credit report and potentially getting me denied for my mortgage which Im supposed to close soon.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I went to change internet providers from XXXX to XXXX. I was told that the installation of the equipment was not to be charged to me, that it was free. When the employee arrived at my apartment he noticed that the infrastructure of the apartments was n't prepared to host the XXXX service. I was n't home when he arrived, so he started working on preparing the apartment 's infrastructure to be able to host the XXXX service for my apartment without my consent. I asked him if it would cost me something and he said " no ''. After the bill arrived I saw that the charges were for installation, service and equipment. When tha XXXX provider also told me that the equipment was not to be charged. I have talked with XXXX and they say that I have the equipment, I do n't. When I got the bill I went running back to the store to cancel the service and return everything. All of this happened somewhere early 2015.
Consumer complaint received 2019-06-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

did not appy for credit was a hard inquiry please remove from credit report. went to apply for company credit only found out that I had to have my credit pulled after it was done in the process of buying a home.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

on XX/XX/XXXX I called into Chase bank XXXX XXXX department where I was told I would no longer be able to open an account with Chase Bank. I asked why and they explained the Bank reserves the right to no disclose that information. I asked if there were an appeal process or a process for me to formally request for more information and was given the same answer. " Chase Bank reserves the right to not disclose that information ''.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

I opened a Hilton American Express card XX/XX/XXXX to receive the promotional bonus of XXXX points on Hilton and a {$100.00} statement credit. I spent the requisite {$2000.00} in a couple months, paid off the card, and waited. No bonus appeared, so I contacted Hilton, and they said it's an American Express decision. I contacted American Express and they don't know why I did not receive the bonus, but it was denied to me for any variety of reasons, none of which makes any sense such as : 1. it's Hilton 's decision ( no, not true ) 2. I have a Delta SkyMiles American Express card ( opened in XXXX ) so I was denied bonus, but this is not procedure, so their reps don't know why 3 years later, I would be denied bonus as the products are not related, and are separated by 3 yrs.

3. I should have seen a pop up window, while applying, that told me I was denied the bonus ( not true ) 4. I should have received an email saying I was denied bonus ( no, not true ) This is a switch and bait sales tactic. I have -- in my email -- a ton of offers from Hilton and American Express to open this new card to receive the bonus, clearly received after I opened the Delta SkyMiles card, that also promises American Express card holders that they can also open a Hilton American Express card, and receive this new bonus. I also have a XXXX XXXX XXXX, according to them, and I always pay my credit cards in full. 

At this point in time, I have over a XXXX in credit owed to me by American Express on my Delta SkyMiles account that they've not offered to send me in check form. I wonder if that's the true reason ( although that makes XXXX sense ). So, what is American Express doing to consumers?
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 RE : Complaint To Whom It May Concern, Not too long after having enacted a complaint against a credit bureau on XX/XX/2020 with your organization due to inaccurate reporting, now all three credit bureaus : Experian, XXXX XXXX, and XXXX  have since in retaliation alleviated all payment history entirely from all of my 13 accounts. All three credit bureaus are now purposely reporting inaccurate payments, as well as, all three bureaus are consistently, falsely purporting that my all of my accounts have incurred high balances on a monthly basis or were otherwise overdrawn. 

The above actions have detrimentally negatively impacted my credit score, inhibited my ability to obtain credit, due to the fact that while all three credit bureaus state that I have exceptional payment history, no actual payments are being displayed by any of them, or if in fact a payment is being reflected, it is that of a payment amount being displayed as that of {$0.00} ( View enclosed ). 

In closing, I have tirelessly and arduously filed numerous disputes with supporting documents indicating that each credit bureaus reporting is inaccurate to no avail ; thereby, I again seek your assistance in aiding me to resolve expeditiously under the guidance of the FCRA ( Fair Credit Reporting Act ). 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Looking over my XXXX credit report i noticed that XXXX XXXX is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.
Consumer complaint received 2019-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunlan Corporation (CA)

I received a writ of garnishment from XXXX wage garnisment for a collection debt from 2004. I have never received any documentation or notice to appear in court to be able to defend myself. The agency name is western state adjusters, llc on behalf of XXXX XXXX. I live in the state of California. The amount they are trying to collect is {$7200.00}. I never had a chance to petition my case or appear in court to defend my position. I never agreed to pay anything once the debt was charged off and appeared on my credit report for a period of 7 years or longer.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Have 3 accounts with capital one 2 since XXXX ,1 since XXXX.2 are currently paid off 1 has balance of {$1400.00}. I called today XXXX to inquire on reason variable apr rates had never been lowered. I have excellent payment records. I spoke to a representative and manager.  The information was rates were not able to be changed indefinitely. I could call back periodically and see what could be done but I had no dates or anything. I was told it was because of quarterly prime rates issued by the government. So I guess I call everyday to see if it has changed. How will I ever get interestschanged
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

My Equifax credit report claims that XXXX XXXX XXXX conducted a hard credit inquiry on my account on XXXX/XXXX/14. I checked with XXXX XXXX XXXX. They have notified me in writing and by phone XXXX, that I have not initiated any action that would result in a hard credit check, that they have not conducted the alleged credit check on my account, and that all that their records show is that my mortgage payment was reported to Equifax as being current. Therefore Equifax has erroneously placed this alleged XXXX XXXX XXXX hard credit check on my credit report.
Consumer complaint received 2021-11-29
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. (MD)

I HAVE CONTACTED XXXX XXXX AND EQUIFAX ABOUT INFORMATION THAT DOESN'T NOT BELONG TO ME. 

XXXX XXXX 
Names: 
XXXX  
Address: XXXX XXXX XXXX XXXX XXXX VA  XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX 

THESE ACCOUNTS WERE NEVER LATE IVE CONTACT BOTH COMPANIES THEY INFORMED I MUST DIPUTE THROUGH YOU 

Late Payments 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT 

Hard Inquiries: 
 

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 EQUIFAX: 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 EQUIFAX 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 2024-02-09
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AR)

I called Direct Express on XX/XX/2024 to dispute charges to my account made multiple times daily for the month of XXXX and two days of XXXX. They wanted a letter within ten days showing the disputed charges. I printed out my account information, marking all disputed charges. There were a lot of transactions, to which it cost me almost {$30.00} to send, to make sure they got. Meanwhile they deposited some money back into my account. Then I received a letter from them saying they determined the charges were authorized. I don't how they prove authorized charges that I know I didn't authorize. I would take a polygraph test, that's how sure I am. The charges were from XXXX XXXX, XXXX, XXXX XXXX, And XXXX/bill. The XXXX charges I understand are for gaming, I'm XXXX and in XXXX, I don't play games! The XXXX charges I don't know but I do know I don't even have an XXXX. All of this has rattled my nerves. Finally I went and drew the money off my direct express card. To which now they are starting to reversal debit adjustment. Which now my card has a negative balance. I can't just let this go I'm on a fixed income. Anybody thAt knows me knows I don't mess around with money foolishly. Please help don't know where else to go. Thank you. Also it is impossible to talk to anyone with this company. They will let you stay on hold 7 days a week, 24 hours a day.