davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/2024, I looked at my report back and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. I appreciate your help
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This started over two years ago, I needed a replacement card, customer service kept telling me they are sending me out a card, that I never received, they finally, sent me a card express mail, they told me that they were not going to charge me, and they did. Once I saw I was being charged, I called to cancel my card, and they refunded my service charge. Since this was a secure account, I was due back a refund of my deposit. They made me wait six weeks, I didn't receive my check, so I called, they told me it would take 7 days to receive my check, After 7 days I called was told ten business days. I waited 11 business days, this time I was told they are going to cancel the check and issue a new check and send it out express, I waited 7 days, now being told by the supervisor, they don't send return check express, and that I have to wait 15 business days because of the cancel check, this was never told to me before. I told the supervisor that I wanted to write a letter to complain about this service, and was advise, they don't have an address to write, and that she would, send the feed back. I don't feel comfortable with that, I been receiving wrong information many times from this company. If I was a day late paying this company I would of been charge a penalty, now that they owe me, they can take their time. This doesn't feel right. It is hard to believe that a company like Capital One, is giving me a hard time over a {$100.00}
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The entire United States of America was in a GOVERNMENT MANDATED SHUT DOWN and I lost my job due to the Covid19 shut down, it took over XXXX YEARS to even get unemployment because it was so backed up. I am still recovering and the constant collection phone calls are ridiculous.
Consumer complaint received 2023-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My home equity loan application with Bank of America was halted because my name came up with a lien against it. It was an individual with my name who lives in XXXX XXXX ; XXXX NJ. I have never lived in XXXX ; XXXX XXXX. If the bank had done its due diligence in making a proper record search of my identity, this should have never happened. Now the bank says I need to provide a document from the courthouse showing the lien against me is either released or dismissed. This is completely absurd since there is in fact NO LIEN against me.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2024-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Was frauded, deceived and lured by the use of deceptive marketing from a seller on the website XXXX and when I called her on the topic she refused to refund it. So I went to my financial institution which was Chime. Gave them all the proper information which is valid for a refund and they have since then harassed, ignored and caused me to have not have employment and ignore every obligation to the FTC law and the financial institution that they work for which is Chime. Chime has also been charged as of last month on the XXXX XX/XX/XXXX of XXXX More for the same thing, holding refunds and not giving any money back to their clients and withholding their money from them for over 60 days and now they are being charged with fines and have to refund people up to {$3.00} XXXX. So the fact that they have these practices in place and do not. Abide by any law and are so flatly arrogant about the fact that they don't care and they will not over and over and over after request and requests since XX/XX/XXXX just flat out ignoring me and always tell me the stupidest response, which is I don't have any control to do this in my department. Which is the XXXXXXXX XXXX XXXXXXXX. Response to give to somebody and it is intentionally done so they can ignore the topic and get away with XXXX once again. They are literally committing a crime because I am XXXX and they're blocking me from my employment as well and it is a lot of money. It was my whole month 's income and they flat out won't do anything about it and I am sick. To my stomach, don't know what else I'm going to do. And it's also now a crime and a sense of it's now financial exploitation of a XXXX person and blocking them from being able to support themselves. So they are not only just disgusting, but they are evil and they are committing a civil and criminal crime at this point. And I want them prosecuted and I want to be compensated immediately so I can move on with my life. Please help me.
Consumer complaint received 2022-04-13
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-04-13
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. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. I've made a list of the details on my personal information that is falsely reported and that must be removed or updated immediately. 

Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 

Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (NH)

I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my XXXX ( and other reports ) it had decreased XXXX points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.
Consumer complaint received 2019-11-19
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. (MI)

A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.
Consumer complaint received 2017-08-29
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: EQUIFAX, INC. (NC)

I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
Consumer complaint received 2024-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Lambert LLC (LA)

I have an outstanding judgement for a credit card debt from XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesn't actually exist.. This started in mid XXXX  I have been trying to contact Couch Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. Thanks.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

In XX/XX/XXXX, my daughter was involved in an accident. In XX/XX/XXXX, the car was determined to be a total loss through the at-fault party 's insurance carrier XXXX XXXX . The car, a XXXX XXXX XXXX, was financed with BridgecrestXXXX and there appeared to be an issue with the 1st check for the payoff as it was taking a while to be received. BridecrestXXXX, XXXX XXXX XXXX and I had a conference call and it was determined the check was sent to an incorrect address. BridgecrestXXXX provided a new address and suggested the previous check be cancelled. The 2nd check was received, loan paid off, and title issued to XXXX XXXX. On XX/XX/XXXX, I received a notification my credit score had changed and found BridecrestXXXX reported to all credit bureaus that I was 2 months behind on payments on the XXXX XXXX XXXX. I contacted BridgecrestXXXX and was told the check from XXXX XXXX had a stop payment on it and therefor, it was reported. I then contacted XXXX XXXX who said the 1st check had been canclled but a 2nd check was issued on XX/XX/XXXX and cashed by BridgecrestXXXX on XX/XX/XXXX. XXXX XXXX provided me and BridgecrestXXXX with a copy of the check ( front/back ) showing the 2nd check was received and the title was sent to XXXX XXXX on XX/XX/XXXX. 

BridgecrestXXXX is refusing to provide me with any updates, only telling me I need to call back. When I do call back, I have rehash this same story over and over and it appears they are dragging their feet even though all documentation has been provided to them. Also, this is ruining my credit and I was in the process of purchasing a home and now I have wait until this is all resolved.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc. (FL)

Southwest Recovery have " FALSELY '' placed 6 plus Collection Accounts on my PERSONAL Credit Report. Southwest Recovery represents a Credit Card Processing Company for Businesses - ( 1 ) I NEVER accepted NOR did I sign any documents accepting any personal responsibility for the Company they have paperwork for [ they have provided me a copy of the paperwork ]. ( 2 ) I NEVER accepted NOR did I sign any document for service other than a " Seasonal Service '' for that 1 Month! [ they have provided me a copy of the paperwork ]. They are claiming I signed a 3-year credit card processing service with them. NO, I Never Did! ( 3 ) ALL Credit Card Machine Terminals were returned! They are stating that they did not receive some of the terminals and charging us for these terminals! That is outrageous. We have no use for these terminals. We didn't process credit cards with them, so why would we keep the terminals ; makes no sense. 
THIS COMPANY NEEDS TO REMOVE THESE OUTRAGEOUS LIES AGAINST MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

This account does not belong to me and Equifax continues to report this fradulent Collections account on my credit file, even though i had provided multiple evidences of these agency 's violation of both the FCRA and FDCPA. and Equifax couldnt provide what proofs and evidences the collection agency provided. Continuing to report invalidated debt or fradulent collections is a violation of the FCRA and FDCPA. I have forwarded all my evidences of Equifax violations of the FCRA and Maryland consumer laws to the Maryland XXXX.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (RI)

My XXXX XXXXXXXX XXXX she did fraud. I recently had to pull my credit reports up and discovered that my XXXX is apparently using my name and SSN to apply for credit. The credit reports showed many fraudulent transactions.
Consumer complaint received 2024-06-10
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: M&T BANK CORPORATION (NY)

M & T bank has been my mortgage lender for over a decade, in which time I have never been late with my mortgage. During the period of crisis, when my husband had been laid off ( from XX/XX/XXXX to XX/XX/XXXX ), I had requested multiple economic hardship forbearance and/or deferment options, making sure whichever option we chose would not negatively effect our credit. Once our forbearance was up, in XX/XX/XXXX, I began paying M & T Bank the amount for which they invoiced me, and in the meantime, we were converting our mortgage from a 30 year to a 40 year mortgage. We did not want to do this, but, we did not have the {$27000.00} " catch up '' amount they would have required for us to maintain our initial mortgage. 

When we began the process of conversion, I called an ensured we would not receiving any negative reporting by M & T Bank on any of the three major credit bureaus, and was told by an M & T customer service representative, at their customer service number, XXXX, as long as I continued to make payments in the amount I was being invoiced for, I would not have any negative credit reporting. While the mortgage conversion was in process from XX/XX/XXXX, to XX/XX/XXXX, I paid {$2200.00} each month, as I was invoiced and was not late with these payments. The payments were made on-time and cleared my checking account on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I later noticed that my credit score had dropped significantly and my on-time payments category was the major impact on this score negativity. I looked into this and noticed M & T Bank 's Mortgage Division had reported me " 180 Days or More, Past Due '' for for the four consecutive months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I reached out to the bank, they advised me they had sent me a letter and on page 7 of the letter it listed " this conversion may negatively impact your credit ''. I did not receive that letter and I told them this much. I also made them aware of their customer service representative telling me this would not negatively effect my credit. I have opened a case with them, they had " resolved '' this case by telling me they were correct and I was at fault. I reported them to the three major bureaus ( XXXX, XXXX and XXXX XXXX ) and those disputes were resolved with nothing happening as the credit bureaus informed me the creditor confirmed the information was correct on my reports. 

XXXX XXXX XXXX XXXX  is doing nothing to help me despite their lack of communication with me, with regards to this matter. This is seriously impacting my credit in a negative way and despite multiple attempts to resolve this trough various channels at the bank, they are doing absolutely nothing to help me. I am very upset about receiving misinformation, no information, and having to have this negativity reported against me. Please help.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

On XX/XX/2022, sequium asset solutions LLC, added a collections account to my credit report of over {$300.00} without any notice, letter, phone call, email, text, visitation etc. I have not heard from these people a single time. I even tried calling them once and I couldn't get a hold of anyone.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I received a letter in the mail today, XX/XX/XXXX, saying I owe {$3600.00} to XXXX XXXX XXXXXXXX XXXX for an unpaid lease from Fair Collections and Outsourcing. I have never lived at this address/ neighborhood, nor do I even know what or where it is. This debt is being falsely accredited to me and must be removed effective immediately. I DO NOT OWE A DEBT TO ANYBODY OR ANY COMPANY. If this debt is not stricken and removed from my name effective immediately, I will be pursuing legal recourse against this company for fraudulent activities.
Consumer complaint received 2022-02-23
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. (MO)

As I reviewed my recent report, I have found an unauthorized inquiry reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for this item : XXXX XXXX Date of inquiry XX/XX/2020