davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have disputed information on my credit report with Equifax which is fraudulent and related to this identity theft. I am filing this complaint because Equifax has refused to block or remove information related to this identity theft from my credit report. After disputing the fraudulent information on XX/XX/XXXX and on XX/XX/XXXX as well as submitting copies to Equifax of the police report that was filed, my FTC Identity Theft report, and my personally identifying documents Equifax refused to block or remove XXXX hard inquiries on my credit report from XXXX XXXX  which were made on XX/XX/XXXX and XX/XX/XXXX. These inquiries were made as a result of fraudulent credit card applications which I did not apply for. By refusing to block these fraudulent inquiries from my credit report Equifax is violating Section 605B of the Fair Credit Reporting Act as I have requested the inquiries be blocked or removed and provided Equifax with all the required information to block these inquiries.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : 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 a 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 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 2022-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: AXOS FINANCIAL, INC. (WA)

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  Was notified they charge a {$10.00} fee to close CD. This fee not disclosed or agreed to in original CD agreement XX/XX/XXXX - XX/XX/XXXX - tried to argue fee w/ multiple phone calls and emails to Axos `` secure messaging center ''. Finally agreed to fee realizing it's only way to get my money back. 
XX/XX/XXXX - XXXX sent redemption check to invalid address ; not forwarded to me. Check returned to them XXXX - Multiple attempts to get matured CD - sent Declaration of Lost Check to Axos. Bank confirmed they received check back - '' undeliverable ''. So they had their check back and still had my money. Sent Wiring Instructions ( initially XXXX XXXX, XXXX, repeatedly. ) Finally sent registered letters to Axos CEO ( XXXX XXXX XXXX and to Axos Director of Operations ( XXXX XXXX ) ; also to XXXX XXXX. 
XX/XX/XXXX - Axos rep called me, offered to wire funds ; funds received the same day, minus penalty for early cash-in of CD ( which I didn't want renewed ).
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello, in the transfer of my SunTrust auto loan to the new owners truist the process has been a mess for me personally. Ive had several months where multiple payments have been deducted from my account. After attempting to contact truist on several occasions Im left with no help. Tonight I told the customer service rep that if I did not get the help I needed on this call that I would file a complaint. He said he was transferring me and instead put me back in the system Ivr greeting.

Im completely frustrated and have asked them for their help canceling the auto payments set up so that I can make my own payments, at my own discretion. By the way, I do not owe a payment on my account until XXXX of 2023. 

One of the reps walked me through canceling my auto payments tonight but after logging back in they are still showing up as scheduled. Its very frustrating because they tell me to give it 24 hours for the account to adjust. Theyve told me this the last two times I tried the same process with them to no avail. I get busy and I just expect them to do what I ask them to do. Tonight I asked them how do I remove the bank info they have stored on file and I was ignored like what i was asking them was someone trying to run out on their bills. Again, I have good credit and I am ahead of my next payment until the spring time in most places. 

Id very much like to complain about their transparency in this ordeal. Its been less than pleasant for my family to have to shell out two years payments a month for several months this year.

Lastly, their website allows you to edit the series, delete series. Only one function works and that is editing. You can not delete the series at all.
Consumer complaint received 2022-10-18
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: Ridge & Valley Realty, Inc. (CO)

IN XX/XX/2022 AND XX/XX/2022 I SENT A LETTER TO CREDIT SYSTEMS TO VALIDATE TWO ACCOUNTS THEY PLACED ON MY CREDIT REPORT. I HAVE NOT RECEIVED ANY RESPONSE NOR HAVE THEY REMOVED THIS FROM MY REPORT. 

IVE INCLUDED THE LETTERS AS WELL AS THE CREDIT REPORT FOR BOTH ACCOUNTS
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted XXXX XXXX XXXX XXXX, a trade name of XXXX XXXX XXXX XXXX XXXX, ( MO License # XXXX ), while rate shopping for a VA loan on XX/XX/XXXX. After learning of their products, I decided I did not want to utilize their services. I had not provided them with consent to run a hard credit inquiry at the time. 

On Tuesday, XX/XX/XXXX, I learned that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran a hard inquiry on my credit history without my permission. After calling XXXX XXXX ( NMLS XXXX ), he was confused as to how this was done. He told me that they received a completed application with social and permission to run my credit history from their internet portal and suggested I contact technical support. 

I am filing this complaint proactively as I do not believe this to be a technical support issue but actual fraud on XXXX XXXX and XXXX XXXXXXXX XXXX XXXX 's part.
Consumer complaint received 2022-03-23
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 (CO)

With my card ending in XXXX, Capital One credited my account for {$1400.00} that I am disputing then recharged me. They claim they sent a form out for me to fill out, but they did not. I never received a form. This is disputed because the company never sued or took care of the account which the {$1400.00} was submitted for. And they don't return phone calls.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have an OFAC alert on my credit report that I need removed because it is false and is hindering my application to credit cards and phone plans and such. It is getting in the way in my life and whats unfair is I have no idea why I have it other than my name being a common name.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CO)

I contacted Fortiva Credit Card Company about some fraud charges that was on my account that was racked up to around {$1100.00}. A few months later after looking to see what my monthly bill was going to be, I noticed that the fraudulent charges got put back onto my account. I called and was stated that a notice was sent to me & I should wait till it comes in the mail. Few days later I received a letter for Fortiva saying that the amount is being sent to collections and I need to pay that amount.I was never told in a letter that the charges was denied or a reason behind them. When I tried to call them about new fraud charges the representative didn't send the paperwork that was needed to file the new fraud charges because as she stated " a case was already opened and closed, therefore we don't need to reopen on. '' A month after this letter was sent out to me, they closed the account. They stated that the account was closed for being over said limit and this letter was sent out last month ( XXXX ) and was being sent over to collections.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-11-07
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. (OH)

fXXXX XXXX XXXX reported an unauthorized inquiry to experian on XX/XX/2021. i didnt receive any service or good or give permission to report. 
i submitted a FTC report and sent it to experian on XX/XX/2021. still no response.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (VA)

Used the Discover App to pay my Discover Card bill ( {$140.00} XX/XX/22 ) Payment accepted Payment subsequently rejected, per customer service " you may have mistyped the account number '' Charged {$30.00}. Customer service and supervisor refused to refund Closed account and paid off balance. 

If the payment was rejected for insufficient funds, a fee is understood and acceptable. In this case, there assumption is that I mistyped the account code into the app. The code came back " account not found ''. Discover could not determine what went wrong with processing the payment and could not demonstrate that this was my error. However, even if so, mistyping an account code into the Discover app is very different from 'bouncing ' a check. 

I was not notified in a timely fashion Discover reps said " they are unable to confirm '' at the time of processing. " Sorry '' There was no warning that using the app exposes the user to a risk of a {$30.00} charge if the payment fails to process for any reason. 
Had I used my bank 's system instead, this would not have occurred -- the app is a trap. 

Bottom line : using the Discover app to pay the bill should not expose the customer to the taking of money if the payment fails to process.
Consumer complaint received 2022-12-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Have ask repeatedly from wells fargo about questions concerning thier payments to my insurance company from my escrow, as well as payments of escrow which doesn't showing deposits. I had to float a loan to make up the discrepinses allotted by them. I think they have messed up my acct. Now they are saying I have to pay more escrow? help please!!
Consumer complaint received 2019-03-21
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: Experian Information Solutions Inc. (NC)

Experian do not clearly state the results of my credit report dispute. Instead, they only give information that implies that the disputed account still negatively affects my account, and they state that I will have to pay for reports and fraud protection in order to see the results of their inquiry. 

Experian dispute number XXXX submitted XXXX XX/XX/2019. Reported as resolved on XXXX XX/XX/2019 via email.
Consumer complaint received 2022-03-22
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: SYNCHRONY FINANCIAL (NJ)

I have applied for credit with SYNCB/XXXX XXXX on XX/XX/XXXX. I have two hard inquiries on my credit report showing that my credit was run twice. One time on XX/XX/2022 and the other time on XX/XX/2022. When I spoke with one of the XXXX XXXX manager they stated that they only ran my credit one time on XX/XX/2022. I would like to have that inquiry from XX/XX/XXXX remove from my credit report please. They verify that they used the same information submitted to them on XX/XX/XXXX and only ran my credit on XX/XX/XXXX when they spoke to me. Please rectify this information and advise what other information I need to submit in order to resolve this issue. Thank you
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.
Consumer complaint received 2021-11-07
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. (IL)

In the past year, i been struggling due to the Covid 19 hardship. I have not been able to keep a job since the Covid hit in 2019. The company did help me when the covid first hit, but refuses to help me any further. I have been unemployed for the last 4 months. Worked some side jobs as i was able to to make ends meet when i could find work. I just finally found work but i just started. The company is trying to report in accurate information to the credit bureaus. My payments are due on the XXXX of every month. I just paid XXXX which they will end up getting by Tuesday, or Wednesday the latest. So in reality, my XXXX payment is not 30 days past due yet. It will not be late till after XX/XX/XXXX. They are claiming i am 60 days past due and reported my XXXX payment, and my XXXX payment delinquent! They are also claiming i owe for XXXX. My profile is showing that i owe for 3 months, XXXX, XXXX, and XXXX. I do not owe for XXXX till the XXXX! They need to fix my account page to reflect this. They also need to change my credit reports so its only showing me 30 days past due, not 60 like it is stating. The credit reports only show 30, 60.90.and 120 days past due securements. You can not jump ahead and tell the credit bureaus that i am 60 days past due when i wasn't! This is illegal! They only are allowed to report XXXX payment late since that is 30 days late. XXXX payment is not considered late till after XX/XX/XXXX. This company isn't just hurting my credit, but also my girlfriend 's credit since she cosigned for me. I take this very seriously. Its not my fault that this company has no heart and refuses to help me in this difficult time! I am doing my best to get work and keep it, and to pay all my bills in a timely manner. I am going to be filing for bankruptcy, and am trying my best to keep this account out of the bankruptcy, so it does not effect my girlfriends credit. I will not be using this bank again after this! Does not care about their customers in this difficult time! They only offered me 2 deferral periods, no other options in helping their customers like other banks do like unemployment insurance when loosing a job, or lowering your payments for 6 months. Nothing else was ever offered to me. They need to fix my account and credit reports to show i am only 30 days past due, not 60! I am planning to leave an online review about my experience of how i am being treated so others can avoid this bank!!!
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I am a legally XXXX XXXX that has had suffered identity theft. My XXXX include mental and physical, meaning that i spent all my education until XXXX XXXX under special education due to my capabilities. My brain damage does not allow me to read, write nor comprehend any paragraphs of any form. 
Been legally XXXX since i was XXXX XXXX XXXX and my medical records are living proof of it. I collect social security XXXX benefits for that reason, the credit bureaus keep sending all collections to collection agencies and it seems like i cant get them off my hair. They are aware of my mental limitations and XXXX and they still keep sending reading and signing material to me. I am mentally challenged and they can verify that by having their legal and medical departments contact or subpoena my medical records. 
I meed this to be repaired or taken off my credit report that has affected my adult life. I had to spend two years being homeless due to my credit incorrect reports. I am basically having troubles getting a decent life due to that problem. I demand some assistance so i can qualify for some decent and better life as it is my right. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2021-11-07
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. (TX)

Complaint : The debt collector : XXXX XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
I have not given permission for XXXX XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore the specific creditor ( XXXX XXXX  ) must be removed immediately from Equifaxs database on my credit report because it is a violation of 15 U.S. Code 1692c-section b. All third parties trying to collect associated with XXXX XXXX must also be removed from the credit report because it was a violation of 15 U.S. Code 1692c-section b. 

XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported : XX/XX/XXXX Comments : Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (IL)

This vehicle was repossessed in XX/XX/22 and taken to auction, yet credit acceptance is still reporting the full balance to my credit. I have contacted them on numerous occasions regarding this with no remedy. I was only a co-signor and not the sole owner of this vehicle.