davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : 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 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

The lenders were switched and I was not notified to be able to make the first payment on time. I did not realize the lenders were switched until the late hit my credit report. The late is effecting my credit profile.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (VA)

In XX/XX/XXXX, a check was mailed directly to XXXX XXXX. Check # XXXX was dated XXXX and someone from XXXX XXXX wrote on the check XX/XX/XXXX XXXX. [ Please see highlighted & attached ]. The check then cleared on XX/XX/XXXX [ Please see highlighted & attached ]. 

However, on XX/XX/XXXX when I called RMS [ stated they collected for XXXX XXXX ] after them appearing on my credit & affecting my credit score [ please see attached & highlighted ], they stated that they had no payment from me and that a check had bounced in XXXX. 

Despite the check bouncing, another check in the same amount was sent directly to XXXX XXXX and cleared in XXXX of XXXX. RMS stated they would talk with XXXX XXXX and circle back to me despite me sending in all the proof. I also called XXXX XXXX directly and you all claim to have neither receipt of this check nor any idea of what I am talking about. I sent in proof and was told someone would get back with me. We are now a week later and no one has taken the time to get back to me, yet they swiftly affected my credit. 

Today in the mail I receive a letter from RMS stating I owe a debt of {$57.00} from XXXX. How, when I paid {$94.00} and it cleared in XXXX? Furthermore despite the check clearing XX/XX/XXXX, RMS placed this bad debt on my credit report on XX/XX/XXXX. To date, no one has returned my calls or responded to any letters that have been sent. Please advise
Consumer complaint received 2020-07-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
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. (GA)

XX/XX/2020 - XX/XX/2020 {$0.00} The companies TransUnion, XXXX, and XXXX  have been reporting illegally and malicious complaints.
Consumer complaint received 2017-09-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo signed off on the CA title and sent to XXXX XXXX XXXX who then sold the car for storage fees in NV ... they are now trying to say the co signer is in default because I stopped paying insurance and payment as of XX/XX/2017 when I finally found out what happend to the car that I have been trying to locate. The police said it was a civil matter. I am still currently waiting for CA DMV to send documents as to how this was acomplished. I still owe XXXX and the towing company will not release information to me but told me that wells fargo signed off and sent them the title and wanted to know why the bank has not contacted them. I will pay the loan if it is found to be my fault but so far the Wells fargo agent from the executive office is not responding to faxes, calls or letters but procceding with default on the co signer. The mail box is always full and you can not leave a message. Faxes and letters go unanswered. There own title dept said the messed up!
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

on XX/XX/2021, I log into my equifax.com account to pull my credit report and the report was blank. all my information and accounts are gone. I contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021 to get assistance to gain access to my credit report. i called multiple times on each day listed. i have even sent letters requesting a hard copy of my credit report. every agent told me they would escalate the issue to their " escalation department '' and it would take 7-10 days and they would send me a email. well it has been 2 months later and I have yet to here anything from anyone. and my credit report is still blank and i have not received on by mail. no one at the company will help, i have had agents hang up on me, and be completely rude to me.
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

bank of america states i had a account with them when i never had a account with bank of america. After reviewing my XXXX report it shows a checking account with them was closed due to fraud and the amount that is shown is $XXXX. i tried to resolve the problem but i was told i was responsible because i opened the account when i never even bothered to use bank of america. please help to have this problem removed from my XXXX report and bank of americas records.
Consumer complaint received 2023-01-11
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. (TX)

Trans Union, XXXX, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2021, there was non authorized withdrawal via XXXX  of {$2500.00}, {$1000.00}, {$7500.00} from my checking account. Another non authorized withdrawal via XXXX of {$3000.00} & {$500.00} was made from my another checking account from the same bank. 
I called my bank and promised to refund me temporally why they continue the investigation but later said they can not do any thing about it
Consumer complaint received 2020-11-15
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. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES, IM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS VIOLATION OF THE FAIR ACT.
Consumer complaint received 2024-02-02
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. (MI)

in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told experian, XXXX, and XXXX to reinvestigate these accounts Account Name : ( XXXXXXXX XXXX ) Account Number : XXXX report inaccurate Account Name : ( XXXX XXXX  XXXX ) Account Number : XXXX Account Name : ( XXXX ) Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IN)

After reviewing my account history, I have found that I made on-time automatically scheduled payments during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It appears that the preset payment amounts I submitted through my online bill pay were not sufficient to cover the bill at the time ; however, I never received - to the best of my recollection - any correspondence written or via telephone or email indicating that I was overdue on the bill and owed an additional amount.

In the most recent incident I paid {$6.00} less than the total bill ( sending {$120.00} for my payment on a bill of - apparently - {$120.00} ) yet was charged nearly {$40.00} as a fee.
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (CA)

On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (GA)

I had paid for a year in advance for garbage disposal from XXXX XXXX, their service was horrible so after a year I did not renew. They came and got the garbage cans. They are now demanding more money {$120.00} and have turned this or to Caine and Weiner. who are harassing me. I paid XXXX XXXX in full
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (DC)

I submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$850.00}
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then XXXX reported did I had a 39 % usage on my XXXX credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.
Consumer complaint received 2020-04-23
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. (AL)

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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 2018-07-23
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. (WA)

After graduation I was making very little income and was wanted to pay {$490.00} a month between private and federal loans. When I called in XXXX to Navient they suggested I go into forbearance so I didn't have to pay that much. Went through forbearance for a while and to my surprise there were better options. I ended up getting income driven plan which still exceeded 30 % of my take home pay. They could not lower my private loan because they said they could not. In XXXX I ended up refinance with XXXX and am happy so far with them. 
Reading the navient student loan lawsuits I wanted to get my story out there that it indeed happened to me too.
Consumer complaint received 2020-10-26
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: KEYCORP (WI)

My daughter was denied credit by Key Bank National Association on XX/XX/20. She had applied to payoff an existing student loan with another lender. The amount of the loan was for {$33000.00}. The only reason cited for adverse action was due to her debt to income. 

Key Bank allowed her to reapply by adding a cosigner, so I applied with her. On XX/XX/20, the application was denied due to her employment time ; though the denial letter stated she did not meet the program requirements, they were referring to her job time. 

Her disclosed credit score was XXXX and mine was XXXX. I have ample employment time and very low debt obligations. I should have been considered as a a well qualified cosigner. 

My complaint is why did this company allow her to reapply with a cosigner but to only deny us for a different reason related to her. I feel like I was given no consideration for this request.
Consumer complaint received 2023-01-11
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. (GA)

I have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-01-12
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX. 

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 XXXX
Consumer complaint received 2020-07-17
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: Mercedes Benz Financial Services (NC)

I applied for credit to purchase a vehicle XX/XX/2020. After I purchased the vehicle I received multiple alerts of several finance companies pulling my credit. Then I received multiple letters denying my car loan. I thought only Mercedes Benz pulled my credit. What triggered his complaint is when I applied for an XXXX card today and was denied by XXXX because they said I had too many credit inquiries. This is not fair because I had no control over the Mercedes dealership sending my information to multiple banks. I did in fact get the car loan from XXXX XXXX and that is the only inquiry that should stand on my credit reports. All of the other credit inquiries during that time should be deleted. The multiple credit inquiries negatively impact a consumer 's ability to obtain other credit. I am sure XXXX would like to have a new Customer that pays on time, credit score of XXXX and income over {$100000.00} per year. This hurts new companies from gaining new customers. This hurts consumers by getting denied credit based upon something that we have no control over.
Consumer complaint received 2020-04-23
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. (TX)

I did Not Give Anyone Consent to Open any account All of these Account Is Fraud. this is crazy that someone Stole my Identity. how did they do this I don't know but this Needs to stop.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (NC)

I contacted SELF regarding a fraud alert I received on XX/XX/XXXX, at the time only XXXX fraud charges were pending, which I disputed imagine my surprise today to see that not only did SELF deny my dispute because they stated that I logged into the app on XX/XX/XXXX & That the chip was used during this transaction. Of course I logged into the app to see what fraud transactions were made so that I can call them to dispute it. And of course the chip was used my card was lost and used in what it looks like NY & NJ which i DO NOT live. Now there is a balance {$580.00} & im not paying a cent of it because I did not make these charges. Also at the time I called in on XXXX there were only a XXXX charge pending and then today theres now another XXXX charges that were never pending or posted to my account. I challenged SELF on this because how did you guys not see these other charges as if they approved them to go through even after locking and replacing my card! I have provided a screenshot showing that I stayed no to the charge and they still allowed multiple Other fraud charges to go through! Now they are stating that I am responsible for these charges when I didnt make any of them.