davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (WI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/2020 Capital one deny me equal rights. One because my credit score The fact proves my credit worth.Two my credit report prove my pay ment history. They violated my rights under the consumer financial protection bureau law.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

This Comenity capital bank hurts peoples credit. I often shop XXXX XXXX XXXX XXXX. About a month ago I had seen heavy ads in store about their credit card. I sign up. I get approved on the spot. But I cant utilize my credit in store yet, like XXXX or XXXX credit approvals on spot. They tell me my card will be in the mail. I receive the card with all the info. I receive a letter dated XX/XX/XXXX stating theyve closed my account because of too many inquiries ... there were THREE..one of which was theirs. I had not used the credit card at all. Now I have a short termed opened credit account thats been closed by the bank on my credit history and it made my credit score take a nose dive! This kind of practice hurts people because of their practices in place. I opened this credit card to apply monthly re-occurring bills that would be paid back to the credit card monthly in full to try to improve my credit score and it did the reverse. I called company and they said theyd add notes to account.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MN)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2022-04-02
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. (FL)

Id like to draw public attention to the underhand banking practice by Citibank regarding their Citi Flex Loan Offer. For the past 6 years I have been with this bank as a credit card holder, currently carrying a line of credit for XXXX. I use this card for everyday purchases which is paid in full when due ( sometimes earlier ). They kept bombarding me with a Citi Flex loan offer where they would convert a portion of the line of credit at a fixed APR with a fixed monthly payment. A family member had $ XXXX XXXX  XXXX 14.99 % so on XX/XX/XXXX I accepted this offer for $ XXXX 8.99 % to help her since she lost her job during the pandemic. 

Based on follow-up phone calls, I understood that the remaining line of credit ( XXXX ) was available for use in the usual manner but at prevailing APR ( 19.99 % ) on unpaid balances that exist after due date. That was a non- issue since my balance is always paid in full. 

Everything seemed to be flowing well until my XX/XX/XXXX statement revealed more interest accrual than expected and upon closer examination I discovered that Citi was applying my payments for everyday purchases to my flex loan with the lower APR of 8.99 % advancing this loan to pay-off at lightening speed. Essentially, they created an opportunity to charge me interest at 19.99 % which is a direct contradiction to their terms and agreement as highlighted below : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. '' I called them out on this egregious practice and interest on standard purchase of {$47.00} for that billing cycle was reversed ; however, the account still shows a balance for standard purchases so this continues to accrue at 19.99 %, much to their advantage. To date Im charged almost {$100.00} more in interest than I agreed to. I have called at least 6 times, also mailed and faxed letter asking them to fix this ( mailed on XX/XX/XXXX and subsequently faxed on XX/XX/XXXX ) ; to no avail not even the courtesy of a response. This is criminal behavior and must be exposed.
Consumer complaint received 2022-04-02
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. (NC)

While reviewing my credit porfo ; ia with Equifax, I noticed inconsistent errors on my report. I have seen some one else 's credit profile and all their information. I noticed that the collection and hard inqurires on my report belong to this other individual with similar information. The last four of my social end in XXXX and I am seeing someone's report ending in XXXX. This is not okay that this company is merging two credit profiles with similar information.
Consumer complaint received 2022-04-02
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. (SC)

XXXX XXXX the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  accordance with the Fair Credit Reporting act 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 customer reporting agency can not furnished a account without my written instructions
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

This is an addendum to the case I previously submitted on XX/XX/XXXX. 

I called Wells Fargo again on XX/XX/XXXX at XXXX XXXX and spoke to someone in the Executive Office, XXXX XXXX to request to speak to the supervisor for XXXX XXXX. The name of the supervisor is XXXX XXXX. She did not return my call on XX/XX/XXXX and I called XXXX XXXX again at XXXX XXXX and was put on 20 minutes hold while he researched why my account online is not showing as current. 

He then told me that this account needs to be reviewed - basically invalidating the letter that they sent me on XX/XX/XXXX indicating that the deferment was approved and the account should be brought current. 

He then told me that he can not speak to me because I am in active bankruptcy case and can not speak without my attorney 's permission. I told him that I have the consent on file - A consent from my attorney 's office was faxed to Wells Fargo on XX/XX/XXXX ( please see attachment ) which was why they were able to have multiple phone convsersation with me to discuss the case on the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. Mr. XXXX is now saying that all those conversations were not supposed to happen and he will submit the case for further review but can not discuss the case with me further even though I told him I have the consent letter from my attorney which I can send to him and he declined that and his supervisor all refused to speak to me. 

Wells Fargo Mortgage needs to be investigated for breaking rules and for their incompetency. Their goal is to set up barrier for home owners that so that they can foreclose my home. They should be investigated for misrepresenting themselves as evidenced by previous recorded phone calls and written correspondence that the deferment has been resolved.
Consumer complaint received 2023-03-28
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. (NV)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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
Consumer complaint received 2019-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC decided that all customers would be forced into taking electronic statements. 
There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. 
My account went into non payment and late fees began occurring. 
Then they tell me they refuse to remove the fees. 
They tell me that its all my fault. 
I request to place the account in dispute, over late fees. 
They put the account in fraud mode and immediately closed it. 
I have contacted them multiple times and continue to be ignored. 
I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. 
How is this legal?
Consumer complaint received 2022-04-02
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. (WI)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX 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 2019-08-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have tried twice to transfer money from my account at Bank of America to my account in XXXX. The transfer was first confirmed by BoA, then canceld. When I tried to figure out why, the BoA can't or won't tell. They say they have no information. However, I have no other oportunity to receive the money since I no longer live in the US and I need the have the money in XXXX. 

How can I get the BoA to transfer the money?
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Outsource Group, Inc (UT)

" This is XXXX XXXX XXXX calling about your unpaid debt to XXXX XXXX ''. 
An Internet Search revealed no company by that name in the XXXX Utah area so I must assume this call is all about fraud. I haven't visited the local XXXX center in XXXX since early last year so I don't owe them anything. XXXX stands for XXXX  as near as I can tell. 
The robo call came from XXXX and said I must call them during the week.
Consumer complaint received 2017-12-18
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: Experian Information Solutions Inc. (MA)

there were several inquiries in my credit on XX/XX/XXXX regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-04-02
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. (CT)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

Regard : Account Number XXXX, and Account Number XXXX ( Consolidated ) Hi Dear Sir/Madam, 1. The lease of the XXXX Kia XXXX is INVALID.

2. Kia Motor Finance ( hereinafter " KMF '' ) knows the lease agreement of XX/XX/XXXX, is not valid. Please see my attached fax of XX/XX/XXXX, to KMF. 
3. However, KMF committed many crimes to enforce the invalid lease.

4. Furthermore, KMF reported fraudulent information to all the credit reporting agencies and severely damaged my

credit score. 5.
Therefore, KMF must withdraw all its fraudulent reporting to all the credit reporting agencies and others, if any.

6. Please see my attached documents that show KMF admitted the information in my faxes since before my XX/XX/XXXX, to KMF USA. 7. KMF never responded to my faxes or to my two cases against XXXX Kia of XXXX, Illinois. 
Furthermore, I have faxed my XX/XX/XXXX, settlement offer to KMF USA, and Kia Motors in XXXX XXXX XXXX as follows : A. On XX/XX/XXXX, KMF USA Repossession received my Partial Settlement Agreement and the Exhibit at XXXX ( XXXX ) XXXX. Please, see attachments. 
B. On XX/XX/XXXX, Kia Motors XXXX XXXX XXXX received my Partial Settlement Agreement and the Exhibit at XXXX. Please, see attachments. 
Note : XXXX and XXXX are also involved in damaging my scores because they did not give me the option to upload my documents, the attachments here, in my dispute against KMF furthermore, they do not give me a copy of the response of KMF, if any.
Consumer complaint received 2019-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required XXXX. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that XXXX XXXX had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score 100 points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Lion loans says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX Apartments on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am homeless with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX apartment balance of XXXX in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted credit acceptance many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: International Computer Systems, Inc. (AE)

I recently received a notice that I ower XXXX to first collections services for a debt to XXXX XXXX. I called and they say it is for an electric bill for a residence in XXXX, MI. We have never had a residence in Michigan. The debt is not ours. We were told to file a police report. I am XXXX XXXX military getting ready to XXXX tomorrow and I am stationed overseas so I only have access to on base police. I will file a report once I am back from XXXX but I would like this removed from my credit reports now.