davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (MD)

Westlake Financial reported a late payment on my credit when their online payment system showed that there was no payment due. I had paid a large lump sum of payments in advance that covered several months, but their system showed that no payment was due for that last month of XX/XX/XXXX but yet I still got a 30 days late payment reported. 

I called and told them that their system showed me otherwise and also asked even if I was showed to be running late on their end why wasn't I contacted in any way. They said I was added to their no-call list and I said I gave no authorization to be added to that. All the woman said was that " I somehow must have told someone " yes '' to be added to it '' But I have never spoken to them over the phone since I had started my loan in XXXX. I asked for proof of when I asked to be added to the list and it could not be provided. Nor could they explain why their system showed me otherwise, all the woman said was that " I should have been aware '' They refused to take any responsibility for their shortcoming and I had to unfairly pay the price for something avoidable.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late XX/XX/XXXX, 90 days late in both XX/XX/XXXX and XX/XX/XXXX and 120 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018,. I requested the Method of Verification via return receipt certified mail. Equifax refused to provide me with their Method of Verification.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX I was making an online purchase at XXXX. During checkout I received a promotional offer to apply for a XXXX XXXX from Barclays Bank, and use it for this first purchase and receive 30 % off my purchase. I was immediately redirected to the Barclays XXXX site to apply. I received instant approval and was returned to the XXXX XXXXXXXX site to complete my order. The new XXXX was now showing as a payment option and I selected it to complete my purchase. It even showed below it that my savings by using this card for my purchase of {$100.00} would be {$32.00} for a new total of {$76.00}. I did not receive the promotional discount. I called Barclays on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, speaking to managers each time. I was repeatedly assured that it would be resolved and I would get a callback. I never received any call, and the reason was different with each person I spoke to. No one seemed to have any knowledge of the promotions being offered and it was very obvious that I was speaking to a foreign call center. The customer service I received was awful and I got no help at all resolving this issue.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-04
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. (IL)

XXXX XXXX account on my EQUIFAX report does not belong to me. I have contacted them. XXXX XXXX had an address that was not mine ( XXXX, Il XXXX - I never lived there ). XXXX XXXX had a phone number that is not mine. I have sent numerous letters with this info. It is still on my report. It is not on any other report. 

XXXX XXXX. Ac # XXXX. Date opened XX/XX/XXXX {$680.00}
Consumer complaint received 2018-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

XX/XX/2018 I called Citi credit card company at XXXX. I followed up with an email I received promoting 21 months of 0 %. The employee on the phone said that no offers were on my account. I asked if it was for new credit card members and he said no. I have been a credit card account holder for 7 years. I wanted someone from the marketing team to call me but he said that would not be possible. 

XXXX XXXX XXXX
Consumer complaint received 2018-08-30
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: CITIBANK, N.A. (NY)

Hello, I recently did a pre qualify soft pull for citi bank But the application passed through my credit report as a hard pull. By the fair credit act if they can '' t prove that this report was a hard pull then they must delete this Item.
Consumer complaint received 2023-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Liquidation Services Inc. (AL)

Several weeks ago, when I check my credit score from XXXX, I find that ACCOUNT LIQUIDATION SERVICES in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. 

First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to Account Liquidation Service for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. 

Second, Account Liquidation Service have never contacted me about the debt ( no phones, no letter and no emails or in-person ), it reported this to XXXX, which hurt my credit score a lot. 

Third, I filed a dispute in XXXX which they carried out an investigation by contacting the Account Liquidation Service in which XXXX said that the Account Liquidation Service said the debt was mine. During the whole process, the collection agent never contact me. 

Four, I try to reach out to Account Liquidation Service via email, but they never reply.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Resurgent capital sent debt letter XX/XX/22. I sent validation request XX/XX/22. XX/XX/22 Resurgent did not send all requested information in my valuation request. Only sent photo copies of last statement.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-30
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NM)

I have been getting robo calls from Navient every day for past two weeks. Computer voice is asking for XXXX XXXX to call XXXX or go on line with Navient.com to fix or check account. There is no email address listed for Navient and all calls come in after company is closed so trying to respond to them goes to voice mail with no option of leaving a message. Obviously, a false account was made using my landline #.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AR)

In XXXX 2018 I disputed a account with Equifax that not reporting 100 % accuracy .. The alleged account is XXXX XXXX XXXX XXXX # XXXX.. Equifax reported back that the account was verified and reporting 100 % accuracy.. Well today as of XXXX XXXX2018 I noticed that the account is charged off and has been sent to another agency sold to another lender,, and Equifax is not reporting 100 % information on my report, The account is sold and Equifax has failed to report the information 100 % accurate and the alleged account needs to be removed from my Equifax file. I have enclosed a copy of my recent report with Equifax and the account is not reporting the sold account information. Equifax please remove the account from my file,, your company is in violation of the FCRA. And my rights have been violated. The account is sold I've called and spoke with the original creditor and they advised me that the account is sold,, so the credit company is not reporting the information accurate,, I found out this information from the original creditor and its Equifax job to report 100 % information on my report, and Equifax failed to do so,,, ,so please delete this or I would be subject to file a small claims for your violation and non-compliance In the pictures enclosed it shows in the remarks that the account is charged off only,,, where the status should show sold to another agency or outside lender,,,, thank in this matter
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

On XX/XX/2018 I applied for a loan at my credit union. I was told my credit has been frozen. When asked to verify questions I was told that my answers failed. I called a second time and was told I failed again. Equifax is not even operating in the United States. I can not understand what was a failure in my answers and the operators are in the XXXX! Not even in the United States. I answered all questions and still failed to unlock my credit. I am very upset and dissatisfied with this process. This is not acceptable.
Consumer complaint received 2022-07-09
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. (VA)

I first challenged the public record on my credit report on XX/XX/XXXX with the credit Bureaus because I was unsure of this information : Us Bankruptcy Court XXXX XXXX Reference number XXXX - XXXX XXXXXXXX Dismissed. I spoke with a Bankruptcy Lawyer in XXXX but NEVER filed any paperwork or did anything else, I was just inquiring. I saw this information on my report and challenged with the Credit Bureaus on XX/XX/XXXX. They responded back that it was accurate which I was confused about, so I researched the FCRA and it stated I needed to reach out to the original creditor, the Bankruptcy court. I have attached the information that they responded to me with in which they DO NOT send information to the credit bureaus. This is perplexing because pursuant to the section 611, paragraph 5, subsection A, of the FCRA, they are supposed to delete this information if its not verifiable, which I've proven. I I'm requesting you to remove this item, as required, by law, due to lack of verification. You, as a credit bureau, willing provided false information, which is illegal under federal law. 

I have sent the corresponding paperwork to the Credit Bureaus again on XX/XX/XXXX and XX/XX/XXXX but to no avail which is what brought me to this process. I request this information be deleted because I have proved it is inaccurate an non verifiable
Consumer complaint received 2020-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have XXXX XXXX XXXX, immediately I contacted XXXX XXXX XXXX  to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real. 

XXXX XXXX XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

in XX/XX/2018 I disputed a account that's reporting inaccurate information on my Equifax Report. The inaccurate is XXXX XXXX # XXXX. In XX/XX/2018 I disputed the account again and they continued to report back as verified. The XXXX XXXX account is reporting as charged off. So if the account is charged off there should not be a monthly payment reporting on this charged off account per the FCRA. So Equifax has been reporting this inaccurate information and it needs to be removed from my report immediately.. No charged off account should be reporting a monthly payment,, I have enclosed copies of the account showing a monthly payment of {$2500.00}. Please remove the alleged account from my file ..Equifax is not reporting 100 % accurate information,,
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AR)

I've tried to reduce my monthly payments based on my income. I have yet to get an answer and it has been over 30 days. I have submitted all the documents and applied for the reduction twice. However, every day I get at least two or three emails demanding that I make a payment.
Consumer complaint received 2023-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (TX)

XXXX Spoke with Sallie Mae , Representative. Sallie Mae refused to work with me during my difficult time financially. They had no option to help me delay payment for at least six months. They did not work with me at all. They expect me to pay on a {$19000.00} loan taken out in XXXX  for my XXXX XXXX.
Consumer complaint received 2018-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (TN)

In the last ten days my credit report with Discover Student Loans has read three different things. The last one is the most damaging.I believe this is in retaliation for me disputing the credit report and asking them to validate the information. They are behaving in a malicious manner. I believe Discover Student Loans is trying to keep me from asking information that is within my rights.
Consumer complaint received 2018-08-30
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. (HI)

XXXX XXXX has tagged me with a phantom account and reported it to XXXX, XXXX and Experian. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.
Consumer complaint received 2018-08-30
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. (HI)

XXXX XXXX has tagged me with a phantom account and reported it to XXXX, Equifax and XXXX. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, Equifax, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on XX/XX/XXXX.