davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-01
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. (SC)

A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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: WELLS FARGO & COMPANY (CA)

I did not get {$25.00} cash back offer promised by Wells Fargo XXXX XXXX, and have called them multiple times during the weeks of XX/XX/XXXX, and kept getting inconsistent even illogic answers.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc. (OK)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX  gave me a Loan Modification on XX/XX/XXXX which included Principal Forgiveness. I made all the trial payments. Then I received a letter on XX/XX/XXXX and it stated it was transferring from XXXX XXXX XXXX  to Select Portfolio Servicing , Inc.. 
Select Portfolio Servicing, Inc. then took my Loan Modification and rewrote the Loan Modification with there name on it dated XX/XX/XXXX and referred beck to my original loan in XXXX and added {$150000.00} to the loan amount. Select Portfolio said if I did not sign there Loan Modification note they sent me by XXXX they would do a foreclosure on my home. I was under distress as they yelled at me to sign it.

I told them that is not my original Loan Modification that XXXX XXXX gave me and they cant change my original Loan Modification when it has been transferred to them. They said again if I didn't sign the new Loan Modification they gave me with there name on it they would do a foreclosure. I was under so much distress and they threatened me to sign there note.
Consumer complaint received 2020-07-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Amscot Corporation (FL)

I believe this happened over 6 years ago. I took out a {$500.00} payday loan, repaid it before the due date, and that was that. Now, several years later, I attempt to cash a regular check at Amscot, and they tell me they can not due so due to my unpaid payday advance. This is ridiculous. Not only did they not credit my payment, they tried to force me into another payday loan. There is no reasoning with them. Due to COVID I was in need of a payday loan, and i can not get one because of AMSCOT. Now since this was sooo many years ago, I have since switched banks and moved to a different county. I do not have any documentation of that at all. Not even bank statements, I do not remember which bank i had used, but i am sure i no longer have that bank since i only have one bank and it is a credit union. I have no proof i paid them and they are saying i did not pay. There has to be a way to prove this. Please help and stop AMSCOT!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXXXXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Consumer complaint received 2020-03-25
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2021-11-05
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: Commonwealth Financial Systems, Inc. (TX)

I have an account with XXXX XXXX and was looking at my report today and my credit score with XXXX is showing an account that I didn't open. 
Original Creditor : XXXX XXXX XXXX XXXX Open Balance : {$2400.00} Opened : XX/XX/2021 Collection Agency : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX " solemnly swear '' that I never opened this account.
Consumer complaint received 2020-08-24
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. (AR)

XXXX XXXX SOLD TO XXXX XXXXL THE XXXX XXXX  ON XX/XX/XXXX XXXX DELINQUENCY WAS XX/XX/XXXX SEE EQUIFAX REPORT XXXX
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 Chase bank charged me two overdraft fees of XXXX dollars each from two transactions that caused my account to be over however that same day as soon as I noticed I was charged I went to the bank to deposit the money to make sure it was not over drafted. Even though I did that I was still charged those fees totaling in {$68.00} worth of fees I have other bills to pay and this is very frustrating because I deposited the money the same day.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OK)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IL)

Santander Consumer USA does not provide refinancing for existing customers for car loans. They do however refinance for new customers. The existing customers have to be tricked to go to a dealership to refinance, but the dealership stated it is not possible with the prime loan.
Consumer complaint received 2021-01-21
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 (CA)

I received a promotional email from The XXXX XXXX XXXX Mastercard by Barclays Bank Delaware on XX/XX/XXXX. In the email, it says I would receive a {$20.00} statement credit after placing 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX, using my card. The term says the statement credit will be issued 6-8 weeks after the end of the promotion. By XX/XX/XXXX, I made 4 orders with XXXX XXXX and XXXX. However, until now, XX/XX/XXXX, the statement credit was still not issued. I contacted the company multiple times since XX/XX/XXXX. The agents only mentioned that they are investigating/escalating the issue. In the most recent contact with the company, the agent offered no estimated time to resolve the issue.
Consumer complaint received 2020-07-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2020 I got some calls on my cellphone. I goggled the phone numbers and they came back to Portfolio Recovery. The latest call was at XXXX XXXX at night PST. 

They do not have my permission to call this late. They have been calling from numerous numbers which they keep changing for a debt that is 6 years old.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have been trying to use. The XXXX app that protects against overdraft fees, I received a notification that there was an error connecting to my back so I attempted to re log in and a message popped up on the screen saying my bank is blocking me from loging into my account. This happens everytime i try to connect my bank with anything even my other bank account XXXX. The bank I'm having this compilation with is capital one360 checking account
Consumer complaint received 2023-04-01
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: EQUIFAX, INC. (NC)

XXXX XX/XX/2023 I submitted an online dispute for 6 inquiries on my credit file that I did not authorize and have knowledge of any dealings with that company. On XXXX XX/XX/2023, the same day the dispute was closed by Equifax stating the inquiries were factual. I put in the dispute to provide proof with my signature of authorization which does not exist but yet again Equifax verified false information in my report. We are not talking about a few days or weeks to contact the companies and get valid that I authorized them to see my report. They did nothing for the investigation and that violates the FCRA. They are required to provide and have proof that the information is accurate, not just the words of the creditor. They have an obligation to ensure that accurate and truthful data is on my credit file but yet they continue to fail.
Consumer complaint received 2018-07-07
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: Navient Solutions, LLC. (PA)

I originally had a parents plus loan with XXXX XXXX now owned by Navient the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (NY)

Upon reviewing my TransUnion credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AR)

I have two cards through citi that were enrolled in the payment protection program in XXXX without my knowledge. This is a variable amount that is figured off of the ending balance on each card. I amassed charges in the amount of {$1500.00} on one card and XXXX on the other without figuring interest on the fees they charged. 

Yes, I feel like an XXXX for not catching it sooner. I checked my accounts monthly for any charges I did not recognize and did not question the amount listed on my statement as fees, which appeared right above the amount of interest charged. I figured it was a card usage fee and had no idea that it was an optional insurance fee. Had it been listed as a charge for a service, I would have noticed and cancelled it long before now. None of my other cards have anything even remotely similar an this is not a type of service I need or would purchase. 

Citi has told me that no proof of enrollment exists, only that I agreed to it during a phone call with them. I have spoke at length with XXXX in their customer service dept and he has told me that I can dispute the charges, but he can only go back through XXXX to see the amounts. In a letter I received after cancelling payment safeguard, citi states that any previously billed fees are non-refundable. 

The whole practice feels shady at best and I can not see where it is ok to list a payment taken for an optional service is listed only as a fee with no line item description. 
Help in recovering any of this amount would be appreciated and an amendment to how they list the charges might help others notice before they pay for something they don't need and didn't sign up for.
Consumer complaint received 2018-07-07
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. (MA)

Id like to dispute a late mortgage payment from XX/XX/XXXX, a XXXX card and XXXX   card all from the end of XX/XX/XXXX.

I made these payments through the XXXX XXXX XXXX   portal like I do all of my bills and for some reason they did not post within the correct timeframe. I did contact XXXX XXXX XXXX  and they informed me that they werent aware of portal issues but that because I called they would effect my credit. I just learned that it has affected my credit through a credit report.

Im not sure what to do since Ive just become aware of this. Im not sure XXXX XXXX XXXX records their calls but if they do then thats the only proof I have.

I dont have bad credit since my score is XXXX but I would like to have these marks corrected.

Thank you
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.
Consumer complaint received 2020-07-22
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: Experian Information Solutions Inc. (CA)

I sent a method of verification to to Experian and i didn't get no response. I have sent 2 letters and this is ridiculous. I am up freaking upset because my credit report is reporting inaccurate information and it affecting my life. Its been more than 30 days and they had 15 days to verify or they must delete by law and they didnt do either. So this is violation based on my research of the FCRA law. Next i will be emailing the attorney general with this issue because this isnt fair. I know they recieved the letters and didnt do anything to verify the accounts which is a violation.
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc. (TN)

I have a loan with SANTANDER CONSUMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX   SANTANDER CONSUMER with no successful resolution.
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Schreiber Law LLC (CT)

Schreiber Law , LLC contacted me via phone on XX/XX/2020 at XXXX. A message was left by a " XXXX XXXX '' requesting a call back. The call came from XXXX. The call back number provided was XXXX. Both numbers are associated with Schreiber Law. I have the message save and can provide upon request. 
The next communication I received from Schreiber Law was a letter dated XX/XX/2020, advising they represent the current creditor, XXXX XXXX XXXX XXXX as an assignee of XXXX XXXX XXXX An incomplete account number was provided. Schreiber LAw referenced their file number XXXX. 
This is a blatant and brazen violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692g ( a ), as Schreiber Law was required to send Notice of debt/contents within 5 DAYS of the XX/XX/2020 phone call. 
This is clearly unfair and deceptive communication tactics of an alleged debt not proven to be owed by me, or owned by the current creditor, or legally collectible.