davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (GA)

On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-16
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: Bread Financial Holdings, Inc. (NY)

Today XX/XX/2020 I was notified from credit karma that my express credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (GA)

The account listed on my credit report as XXXX does not belong to me and includes conflicting information violating my consumer rights. 1 ) the account is not mine and Ive provided a police report and FTC report in the last dispute 2 ) the account has conflicting information stating it is a charge off 3 ) the account states you have 100 % of this loan left to pay 4 ) the account states youve made 100 % of payments for this account on time 5 ) the account states there is a balance of {$6100.00}. The account has conflicting information and charge off and closed accounts are not supposed to show any balance owed according to the law in which this account currently does. Also, this account is fraudulent. Remove this account from my credit report as it is effecting my credit profie, has conflicting information and does not belong to me.
Consumer complaint received 2021-10-14
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. (SC)

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Consumer complaint received 2020-05-18
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. (CA)

Unrecognized inquiry into my credit report dated XXXX XXXX from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unable to reach at listed number
Consumer complaint received 2023-04-06
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (NC)

Tue, XX/XX/XXXX, XXXX XXXX  a wire transfer was submitted to Ally Bank for {$2000.00}, 37 minutes before the XXXX cut-off time. I called Ally Bank at XXXX to get a status of the wire transfer and was told that the wire status was set to Complete at XXXX and that it would go out that day. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank to get another status and the customer service rep checked with the wire department and was told that the wire was now In Review, but nothing I could do to escalate it. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank and the customer service rep contacted the wire department and was told that it was with Loss Prevention and there was no ETA and nothing I could do to escalate it.
Consumer complaint received 2021-10-14
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-05-18
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. (CA)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told that I was not able to get a credit increase at this time because there are several negative accounts on my credit report. I had no idea that these accounts were on my credit because none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open those accounts in my name using my personal information. I still don't know who is responsible for opening these accounts without my permission but I have already filed a police report. I did not benefit anything form these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliated with any of the companies I listed and I do not have any type of written/verbal contract or agreement with them.
Consumer complaint received 2021-08-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Regional Processing Services (WI)

XXXX Wednesday, XX/XX/2021 Regional Processing, LLC called and harassed me and my husband. Threatened to file lawsuit with local court if I didnt pay something right away. Was very intimidating and used scare tactics. Said would send me email explaining things and I have yet to receive any information.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute for a Bankruptcy listed on my credit report and asked Experian to verify the public record. Experian has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy Court-XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if Experian can not show how they verified this public record Remove this entry from my credit report.
Consumer complaint received 2021-08-19
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: HYUNDAI CAPITAL AMERICA (FL)

After paying off a car lease they dropped my credit score twice 23 points on XX/XX/2021 39 points on XX/XX/2021 for a total 62 points and ruined me.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (NJ)

On XX/XX/2021. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX called me on my cell phone. They asserted that I owed XXXX XXXX a balance in excess of {$500.00}. When I disconnected XXXX as far as I know there was no balance. In addition, I contacted XXXX about their equipment in order to avoid an equipment charge and they indicated, in writing that we could dispose of our equipment. There was not mention of any balance. Now more than XXXX year later XXXX is allegedly sending my account to collections. 

When I asked for documentation that would show such a balance the person on the phone put me on hold or mute and did not come back to the phone. XXXX are my notes from the call. 

Called from : XXXX Caller ID shows : XXXX XXXX XXXX  Called at XXXX XXXX - Alleged the call was about a XXXX XXXX balance Asked for payment I asked for what I am entitled to under FDCPA to verify this balance. 
They mute the phone and do not hang up but refuse to continue the conversation.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Consumer complaint received 2022-11-17
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. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$39000.00} -This is not my account.
Consumer complaint received 2019-08-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (FL)

Netcredit obtained my information and entered me into a consumer transaction without my consent or knowledge Netcredit is in violation of 18 U.S. Code 1028A -Aggravated Identity theft amd 15 USC 1691 ( d ) ( 6 ) Netcredit does not have the right to the credit pull that 15 USC 1681b ( a ) ( 3 ) ( A ) grants a credit reporting agency I never applied for a loan and I have the capacity to contract since I am a natural person so you denying me my own credit is discrimination pursuant to 15 usc 1691 ( a ) ( 1 ).

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Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. 
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Veried. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verication.
Consumer complaint received 2022-11-17
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Security National Automotive Acceptance (TX)

Before I purchased a XXXX XXXX XXXX In 2014 from XXXX XXXX XXXX they never did a mandatory vehicle inspection or emission test according to Texas law ... .instead they made me finance one without going through the proper protocol and security national automotive knew about this to ... that's deceptive practices issuing me tags without inspection
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (GA)

I have called the company in charge of my debit card at least 30 times the last 2 months and haven't received a resolution regarding not being able to use my debit card. Everytime I speak with a regular agent or supervisor they all say the same thing that they will put in the request and my card should be working in 24hrs and it never works. It worked for 1 day after I called a week ago and went right back to not working. And they do not allow you transfer funds off the card to another account so my money is stuck under their control. I need to get access to to my money on my card this is ridiculous they should also compensate me for this inconvenience. I will be filing a lawsuit if this isn't resolved.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.
Consumer complaint received 2019-06-05
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. (FL)

THE INQUIRIES DISPUTED DOES NOT BELONG TO ME. THOSE INQUIRIES WERE ADDED WITHOUT MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE INQUIRIES REMOVED OFF MY CREDIT.
Consumer complaint received 2017-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Have been trying to get my free annual credit report from Experian ever since the XXXX break-in, but Experian does not respond online or even by telephone. They suggest going online, but get no results online. Nor do they respond to trying to freeze my account. Online, all I get when trying to get free annual credit report or trying to freeze my account is " loading '' -- nothing more. Nothing else happens. This has been going on for more than a week now. Tried repeatedly to contact them but totally unsuccessful.
Consumer complaint received 2017-09-25
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. (FL)

Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

My wife and I had credit through Wells Fargo for XXXX purchased through XXXX XXXX. The credit loan was {$6000.00} and our balance was {$1200.00} at the time my XXXX XXXX XXXX XXXX. I was not aware of the payments issues until I tried to use my credit card and found out it was on hold. I went to the bank to inquire about the credit card and found that the bank suspended my credit card because of a separate issue. I asked the banker how can I fix this issue with the XXXX XXXX account and get back in good standings with the bank and release the hold on my credit card? the XXXX XXXX Department name : ( XXXX XXXX ) associate account resolution representative, denied given me an option to get back in good standing. Please note my history with Wells Fargo Bank during the last XXXX  years. 
*Opened a checking account in XXXX and took advantage of Bill Pay which I've paid off XXXX car loans and I'm currently paying my Mortgage through Wells Fargo Bank Bill Pay * Opened a credit Card account in XXXX that is also on bill pay recurrence. I had/have a {$6000.00} credit limit with a {$2300.00} balance. This bank could have worked with me so, I could move the XXXX XXXX  balance to the credit card. 
* Wells Fargo offered me a {$10000.00} Signature Loan in XXXX which is also on bill pay recurrence. I have enough history with this bank to be treated fairly when I have shown a history of responsible banking payments. I would like to work-out the XXXX XXXX account as well as regain my credit card status of {$6000.00} limit.