davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy there is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-07-10
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)

Account of XXXX  XXXX XXXX is reported on my credit files for Trans Union ANDXXXX AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting me,
Consumer complaint received 2019-07-10
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. (CA)

Account of XXXX XXXXXXXX XXXX is reported on my credit files for XXXX XXXX ANDEXPERIAN AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting me,
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (GA)

Per Georgia State law, ANY AND ALL payday loans are ILLEGAL. This company did NOT inform me of this nor do they hold a Georgia Industrial Loan License and are NOT legally allowed to do any business in Georgia. They failed to inform of this and here is the state law from Georgia.gov The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XX/XX/XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
I want this debt to be considered CLOSED and any and all actions taken from them will result in legal action, both state and federal.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (NY)

I am completely shocked. Wait times to speak to a customer service agent at Barclays were an hour. I had to hang up and call back. When I called back, they told me my APR was 27 % when initially during application I was told it was 18 %. Then, they tell me there is NO BENEFIT GUIDE. All mastercards come with certain benefits, that vary by issuer. Generally, Barclays includes baggage insurance, car rental insurance and trip cancellation protection. The agent, at extension XXXX HAD NO IDEA WHAT A BENEFIT GUIDE EVEN WAS. He was by far the most uninformed customer service rep that I had ever spoke with, except maybe the person who transferred me to him. The XXXX XXXX XXXX is a joke. You can't get through, they lie to you about the rates, they lie to you about benefits. This is absolutely unacceptable. How does a CSR not know what a benefit guide is?
Consumer complaint received 2019-07-15
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. (GA)

To whom it may concern : I have been a victim of identity theft, after checking my credit recently I notices account and collections that do no belong to me, so I was advise to file an FTC report which is attached and a CFPB complaint.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

In early 2021 I attempted to update my smart phone service with XXXX XXXX XXXX online. I requested a new phone and new service. The following day I received an email saying my credit card purchase was declined. I called the credit card company and found out that because of two back-to-back purchases the transactions were declined. I then called XXXX XXXX XXXX to discuss the issue. Somehow the representative from XXXX XXXX XXXX initiated a new purchase and also processed the one that was declined at first. When I became aware of this, I contacted XXXX XXXX XXXX and cancelled both transactions. I had to repeatedly call XXXX XXXX XXXX to stop these purchases but got the now two ( 2 ) phones and services. I returned the phones and called XXXX XXXX XXXX again and thought the problem was resolved. It wasn't. I went with XXXX. I have had to give three ( 3 ) different debt collection agencies proof of that I do not owe this debt and I have another one calling me every day, sometimes three ( 3 ) times a day. Be advised that I cancelled the phones/services with XXXX XXXX XXXX  XXXXithin the fourteen-day period ( 14 ) period as was contractually agreed upon. I have recordings of my calls with XXXX XXXX XXXX detailing my attempts to rectify the problem.
Consumer complaint received 2019-07-10
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. (OH)

My name is XXXX XXXX XXXX SS XXXX XXXX XXXX. I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files.Please delete remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (AZ)

I was behind in my car payment in the amount of {$830.00}. I was granted an extension to move 2 payments total amount of {$480.00} to the back of the loan. I was advised to pay {$230.00}. When they put the 2 payments to the back of the loan it took care of XXXX payment and I paid XXXX partial payment of {$340.00} per the extension agreement to bring the account to a {$0.00} balance. It was not in WRITING that I would have to pay a regular car payment again in the for XXXX payment of {$480.00} when I paid {$340.00} in XXXX. Its my understanding when you make a payment that should get you current so the next payment would be in XXXX. This is a violation of UDAPP. 
I would like an explanation as to why would I have to pay a total of {$810.00} if granted an extension for a total of {$480.00} which is two bi/weekly payments of {$230.00}. Why didnt the extension agreement indicate any of this. The extension agreement just stated I was granted an extension never outlining when the next payment was due or the amount.
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Three credit reporting agencies- XXXX, XXXX and XXXX are incorrectly showing my XXXX XXXX student loans as open. I applied for public service loan forgiveness and on XX/XX/XXXX, all of my loans were transferred from XXXX to XXXX which should have resulted in a closed account with {$0.00} balance for my XXXX account . That did not happen. For about 5 months, my loans were " double reported '' - incorrectly showing the same loan balance twice. For example, if the total student loan balance were {$100000.00}. My credit report incorrectly showed a total of $ XXXX {$100000.00} for XXXX and {$100000.00} for XXXX. 

In XX/XX/XXXX, my student loans were forgiven under the public service loan forgiveness program. My credit report was partially updated and no longer shows a balance for XXXX. However the incorrect XXXX information which should have been updated to {$0.00} in XX/XX/XXXX is still showing. I filed disputes with the credit reporting agencies and they are not removing the incorrect information. Prior to the dispute, the last update from XXXX is XX/XX/XXXX. I do not know what steps I can take.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ( XXXXXXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (CA)

In XX/XX/2018 I cancelled my old auto insurance XXXX XXXX XXXX. Co.policy # XXXX with plenty of time to switch to my new auto Insurance XXXX XXXX Direct Auto policy # XXXX. They have inaccurate information reporting that I failed to pay a balance of XXXX when in reality they failed to accept my auto insurance cancellation request. I made the request in a timely manner to avoid any problems. I asked XXXX to forward my new policy to XXXX, they assured me that they would forward the proof on my behalf. XXXX clearly did not uphold my request to cancel my policy with them. This is why I am disputing their inaccurate information put on my credit report. 
This inaccuracy has affected my credit which has been denied in the last 60 days.
Consumer complaint received 2019-07-10
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: PRESTIGE FINANCIAL SERVICES INC (WA)

I received an auto loan from XXXX XXXX XXXX who stop reporting my Car loan to the credit bureaus and now they merged with another company called prestige financial. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SD)

I received emails from my bank, Wells Fargo on XX/XX/XXXX and XXXX each stating that my replacement debit cards were being mailed out. These emails stated the card were expiring but only one was due to expire in XXXX. I called concerned because when i established my bank accounts with them years ago, the banker opened 4 more accounts without my authorization, which I closed immediately. However, I continue to have issues over the years. 
My new debit card came and attached letter stated this card replaces card number ending in XXXX. I do not have a card ending in this number. I called again on XX/XX/XXXX and the rep I talked to researched my concerns and after long holds, she informed me that these debit cards were in fact associated to those other accounts that were closed and supposed to be deleted from my profile. But now the debit cards are somehow associated to my open checking accounts. She stated to not activate and cut these cards up. She also gave me case # and said someone will be handling on an escalated investigation as to why these debit cards from those accounts are still being replaced by ATM services and how they are associated to my open checking accounts. 
When I called XX/XX/XXXX to find out why I have not heard from a case manager, the rep in the Executive Office simply stated she sees nothing associated to any " closed accounts '' and these were my debit cards being replaced because mine were supposedly compromised so they " took security measures to replace ''. I explained to her my previous conversation with the rep on XX/XX/XXXX and she said she doesnt know how she saw that. She said you can go ahead and activate or not activate the cards. I explained that I am extremely upset and thishas occurred before with these accounts that were open without my knowledge and that they are obviously not closed out properly if I am still getting debit card replacements for these. I also dont understand why the debit cards are tied to my checking and savings accounts now that are active.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CO)

Dear Consumer Financial Protection Bureau, Since XX/XX/2019, I have made 5 payments to my FedLoan XXXX loans : XX/XX/2019: payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$2800.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 
XXXX XXXX XX/XX/2019 : payment of {$140.00} made and confirmed by FedLoan email. 

However, these payments totaling {$3200.00} have not been reported to any of the 3 national credit reporting agencies, and is negatively impacting my scores. 

The misreporting of my FedLoan student balances to the credit agencies continues for years to be a significant recurring issue impacting my scores, finances, and family. 

Please help. Many thanks for your time and extraordinary wok. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-10
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. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a capital one credit card with a XXXX limit. I reported my credit card stolen XX/XX/XXXX. On XX/XX/XXXX, there was a charge approved by capital one for XXXX that posted to my account. I immediately contacted capital one to dispute. First off, the card was reported stolen, a charge should not have gone through in the first place under any circumstances. And second, the amount approved is 8 times my credit limit. 

Their response is that when i signed up for the card, i was automatically opted in for over-limit protection, so it was within capital one 's discretion to approve or decline. The strange thing is just the week prior, the same company attempted a XXXX charge that was declined. So they decline a {$280.00} charge and then the following week they approve an almost {$2300.00} charge. 

From what i have read, they should not be allowed to do this. The law seems clear that they should require a separate opt in form/signature, and not have it set to opt in by default. 

To sum, my issue is 3 fold.They allowed a charge to go through on a card that was reported lost. On top of that, the amount was ridiculously above and beyond my issued limit. And they are not adhering to the credit act with opt in authorization. 

At this time they have removed the charge pending investigation. But there should not be an investigation. The charge should never have been approved in the first place.
Consumer complaint received 2019-09-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Community Cash Management Corp. (NH)

On XX/XX/2019, I received a notice in the mail stating that I owed {$110.00} to our doctor 's office. My wife also received a notice and that will be addressed in a separate complaint here. 

My wife and I have the same doctor. We always are told if we owe money for the day 's visit, but we also have an arrangement of {$25.00} per visit per person. 

The last time we were in the office, we were NOT TOLD that we owed any money nor did they ask for our arranged payment. To me, that is THEIR RESPONSIBILITY TO let us know that we owe the payment.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Capital Enterprises, Inc. (CA)

American Capital Enterprises was collecting my mothers information and charged her on her credit report as a collection then my mother told them I've never been in the ambulance or called an ambulance then they asked her well is a person by such name live there at the property she said yes that's my son then they told her orbits him that owes us then so they did not have correct info on who owed who please resolve cause its hurting my credit thank you date open XX/XX/2014
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC (CA)

Collection company Asset Recovery Solutions LLC had called to my work place two months ago. I received the call and I notified them that I am not allowed to get personal calls at work. I told them to stop calling me at work because they are jeopardizing my job, I can lose my job. I asked them to send me the information via regular mail, which they never did. Yesterday, XX/XX/19, an ARS representative by the name of " Mrs. XXXX '', XXXX XXXX XXXX XXXX XXXX, called my work and a co-worker answered the phone call ; I was not at the office at the time. When I was in, my co-worker told me that first my phone was ringing and ringing multiple times. Then, the call from ARS came through again, through another line, and that's when my co-worker answered it. My co-worker states that " Mrs. XXXX '' was insisting as to where was I, and to try to obtain information of me. She did not disclosed any information and took down her name and phone. Today, XX/XX/19, " Mrs. XXXX '' from Asset Recovery Solutions LLC called my work place again. I am being harassed at work by this collection agency. I called Mrs. XXXX back and told her that I will report them for violating the Fair Debt Collection Practice Act. I told her previously not to call my work place and she is still doing it. I might lose my job because of this.