davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
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. (NC)

I've tried over the last year for Equifax to remove a XXXX  XXXX  account that is in the name of XXXX XXXX. XXXX XXXX XXXX has already agreed this isn't my account. Both XXXX  and XXXX  have removed it from my file. Yet Equifax refuses to remove this. This is my last step before having to go back to court. 

Equifax has agreed my name and info is XXXX XXXX, it's already been proven in court that I am not XXXX XXXX, nor is this account mine.
Consumer complaint received 2021-05-21
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. (AZ)

I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action against me.
Consumer complaint received 2019-03-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CA)

The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX  harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I tried to fix this wish Transunion and they would not take care of the negative inquiries listed.     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
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I had a delinquent account with XXXX XXXX on my Experian and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in XXXX.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OH)

My application was denied for the AAdvantage Platinum Select card, and I would like my application reconsidered. I have contacted Citi and they seem to say that they are unable to overturn applications, which I find hard to believe. The only reason for denial is Limited credit history. However, the rest of my credit is phenomenal and I dont believe over one year of credit history is limited.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To be Clear, I have submitted this dispute online to Equifax. I just believe deletion of these at least 3 closed, 0 balance accounts that are over 10 years old will be finally deleted with CFPBs assistance vice my request alone. Accounts should fall off credit reports after 10 years and it is beyond me why Equifax has not been proactive to care for this issue.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I opened up a line of credit with XXXX XXXX and the debt has been canceled. Experian is the only agency still reporting this debt to my credit report. 

1. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Experian is the only agency reporting this account.

2. I received a copy B of a 1099C showing that the debt has been canceled.

This is inaccurate reporting and should be removed.
Consumer complaint received 2022-03-03
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. (SC)

I sent a letter to XXXX about some credit cards they have reported to my consumer report and your company has not sent me : The contract/agreement I signed legally binding me to this alleged debt The information you used for fraud prevention and to verify my identity as the responsible person qualified to establish this account The steps you took to verify my eligibility to establish this account ( ie, employment verification, residence verification, etc. ) Verification of accurate billing ( ie, every single itemized statement, payment, credit, interest added, disputed charges, etc. ) from the time this alleged account was first established A notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period you claim I was a customer A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ). 
A full file disclosure. 
An itemized statement breaking down the balance you claim I owe. 

I gave them 15 days and they sent me monthly statements and something that looks they printed of with my social and address this is unacceptable and I want the information that I requested or these credit card accounts need to be deleted from my consumer report I've even called and they can not locate these accounts This is another attempt to get me the information that I need
Consumer complaint received 2017-04-24
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. (TX)

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Consumer complaint received 2017-06-14
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A. (NY)

X/XX/17 The Honorable Consumer Financial Protection Bureau, 1. Please be advised that the joint tort feasors of XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, PNC BANK NATIONAL ASSOCIATION, SUPREME COURT OF THE STATE OF XXXX XXXX COUNTY OF XXXX have colluded to unlawfully force a private property forfeiture under color of law with deceptive practices causing daily physical and mental anguish by the threat of Being thrown out of or losing your home by a false debt. 2. Whereas, the family home or domicile has been scheduled to be sold by alleged Trustee and on the steps of the unconsented commercial court on XXXX XXXX, 2017. 3. Any judgement in favor for the alleged plaintiff is unjust and want of equity. 4. This action must be stayed and vacated with no encumbrance on said property arising from a foreclosure and the public reflecting such. All above tort feasors have clouded the title and caused daily harassment, slander, libel and disturbance of the peace by calls and letters seeking to buy a property up for sale. 5. The public officer of XXXX XXXX XXXX did not have an required Oath of Public Office require by NYS law. XXXX XXXX XXXX did admit that she was not acting judicially 2-3 times. 6. Jurisdiction was challenged and not answered.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

- Agent of company threatened garnishment prior to notice of court proceeding to collect debt in a manner that suggested that they were already moving forward with garnishment.
- Agent of company advised my wife on first contact that she did not represent a collection agency, but represented an attorney 's office. Later communications suggested otherwise.
- Agent of company stated that she was moving forward with notice of court proceedings while my wife and i were attempting to set up payment arrangements. While we were discussing payments, agent stated " i 'll just send your wife 's notice. I wo n't send yours ''. The agent used the notice as a harassment technique as we were attempting to come up with payment arrangements, we advised that we would comply with payment arrangements and even followed through exactly in the time frame agreed upon to get information in to determine payment amount.
- Agent stated that they would not consider any hardships in payment arrangements. Stated would not consider family size or other recent hardships to determine payments. Stated would look at paystub and determine garnishment amount and base payments off of that. Agent stated that tax agency already had a judgment so would not take any less than what is needed. 
- Agent repeatedly placed my wife and i on long holds throughout conversation that had nothing to do with collection call. Agent stated that she was talking with multiple consumers during call and used hold as an attempt to frustrate us and get us to comply with demands. 
- Agent intentionally did not return voicemails left for 3 days in order to not talk to us until required day to send notice of court proceeding to collect debt. 

The agent of this company, XXXX XXXX, used threatening and inaccurate statements as well as unfair and deceptive practices in order to gain a higher payment and to get us to make immediate payment. The practices the agent took can threaten my job and were done with the intent to unfairly put her into a position of power.
Consumer complaint received 2019-03-01
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. (GA)

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX Credit Card.
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have been in contact with equifax numerous time about errors on my report. I have done all their steps to get issue resolved however every time i call, i speak with a different person who providers different information.The are a numerous inquiries on my report that was not authorized by me and when i tried to reach the companies they can not locate me either. The companies   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
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (IL)

XX/XX/ I wrote to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows 43 credit inquiry/inquiries that I did not authorize. Most inquires has been continuously duplicated causing stress to my credit. 

No response has been provided after 30 days.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I by accident overpaid my bill and have a {$220.00} ( CR ). I 'd like that money back. They have issued in a check to return to me. They just keep it on the bill as a credit.
Consumer complaint received 2017-11-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

On XX/XX/XXXX I contacted XXXX about a letter I received as I have had a very difficult time repaying back my student loans. When I called my first option was that for 9 months I could pay around XXXX and then my payment jumps back up to {$570.00}. I then wanted to see about a pay off amount. I was quoted at about {$30000.00} due by XX/XX/XXXX. I would be given a 25 % discount on loans that were taken out illegally and also for loans that the interest is 5 times the principal. Principal should be around {$6000.00} each I have 2 loans or {$12000.00} total. In XX/XX/XXXX when I was repaying them I was promised I could use a credit card and pay any amount I wanted. I was going to pay off the loans then and be done but the lady that handled my case said that the csr never said that and I could only make the minimum with a credit card which was complete XXXX. What 's worse is XXXX is not very willing to work with me. I tried twice to get these loans discharged but XXXX was the one reviewing the discharge and denied it based on I had been unenrolled in school longer than 120 days and failing to ignore the special circumstances provision. Since XXXX XXXX was shut down due to illegal practices such as telling me these were federal and not Private loans and other things from other people.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I was charged for a transaction that of {$740.00} on  XXXX / XXXX /  XXXX   from  XXXX   XXXX   XXXX . I disputed this transaction as unauthorized to my credit card company  Chase . In their dispute process I have provided them documentation that states the charges where charged to another credit card from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card. I have been reapplied the unauthorized charges. I find th at Chase has  done very little to protect me as a consumer. I have a valued client for over 25 years and a  XXXX  senior citizen.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal CFPB Navy Federal Credit Union Secured nRewards Visa Card Ending in XXXX XXXX I have reason to believe that Navy Federal Credit Union is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card. 15 U.S. Code 1666d states ; whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than XXXX months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. The balance of { {$1100.00} } on my account is evidence that Navy Federal Credit Union has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.