davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
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. (NJ)

A

debt collector has reported negative on my credit, claiming I owe them money. Which I dont owe them. They never notified me send a text twice only. After seeing on my report. Filed a dispute with experience but with 10 hours they finished their investigation. When I call them, I couldnt get in touch with representatives as they werent available. I dont owe any company any money. Experian has not reached out to me or know the whole story and made a decision. They give you limited space to write dispute online and no representative is Available to speak.
Consumer complaint received 2021-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (GA)

I went to purchase a used car from XXXX XXXX on Saturday XX/XX/2021 they told XXXX dollars down and then a couples of hours later they told me XXXX down after I left from the dealership and then told me, I have to bring it by XX/XX/XXXX XXXX or they will take the car back so I said ok. On Monday after the deal from Saturday they ask me bank statements and I gave them that and then Thursday XX/XX/XXXX they called me saying the bank global lending said I fraud check stubs I ask them for the bank name to verify that they told me no and wouldn't tell me who they spoke with. So i requested to speak with XXXX XXXX the sales man the manager told me he quit and no longer works there so I called my mom to get his sale phone number and i called XXXX and he said he didnt quit he is off and coming back to work Friday morning. The manager XXXX kept calling my phone threatening me saying bring back the car and I not getting my deposit back anyway. And that the police is waiting I get there no police is there. My mother came there and he told her I have nothing to say he wouldn't even talk to her or give her my paper and then said my daughter didn't have any paper work on file. These pp. steal pp. money i am XXXX XXXX XXXX and in college to be getting taking advantage. And It is not right and this hurts.
Consumer complaint received 2022-09-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MST Financial Services, L.L.C. (ID)

XXXX XXXX is about the worst collection company I have ever dealt with. Not once have they ever given me the option of disputing the debt, the call me, my wife, my place of business all the time and are extremely rude and abusive. We have tried to set up payment plans with them which they refuse. I had them call me on XX/XX/XXXX at my work and I asked why they called my work and not my cell phone. They claimed they didn't have my cell number which was false as they call it all the time. I looked through our logs and other employees have also told them to stop calling here and they continue to do so. ( I was able to track down a recording of another employee telling them not to and them calling multiple employees after being told not to. They will not allow you to make payments on a single account when they hold multiple but they are now taking me to court over a {$76.00} account.
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2021, I was denied an extension of my credit due to Truist/BBT unlawful acts. 
Truist/bbt is a bank, a bank can not loan money, do not have the power to loan money, and can not loan credit or extend credit. Which mean Truist/BBT do not have the right to deny a consumer their own credit. Which led to the Adverse action letter I received. 

This is criminal liability and discrimination, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an Adverse action against a consumer.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (NJ)

In XXXX, XXXX I went to a call dealership ( XXXX  XXXX XXXX in NJ XXXX to purchase a new XXXX XXXX. I already had the financing and approval from my credit union XXXX XXXX XXXX XXXX XXXX XXXX for the full amount of the car purchase. My application ( for vehicle registration purposes only ), had my personal information on it. Upon looking at my credit report, I noticed SEVERAL inquiries to various credit lending institutions for car loans without my permission. 
XX/XX/XXXX : Contacted each of the lenders and advised that I did not authorize these inquiries, and was directed to contact Experian directly. 
XX/XX/XXXX : Spoke with Experian Fraud Department Supervisor ( XXXX, XXXX Team ) after the first " offshore '' representative falsely advised me that " a company has the right to run your credit report if they want to without your permission ''. The Supervisor stated that the six ( 6 ) credit inquiries that appeared on my credit report ( none of which resulted in an OPEN/APPROVED account ) were attached to my legitimate open account with XXXX XXXX XXXX XXXX. This is impossible because XXXX XXXX XXXX XXXX is a direct lender. The inquiries for XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) were WITHOUT authorization and should be removed immediately. Experian has REFUSED to remove them. They are impacting negatively on my credit score and have caused adverse actions for credit. 
XX/XX/XXXX : Downloaded fresh copy of my credit report from XXXX. Highlighted all unauthorized inquiries ( attempted to have each of these removed from Experian who refused ).
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to XXXX, XXXX, Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Account # XXXX ***** XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (NY)

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2006.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the problem is with Kohl 's credit card online payment system. on the payment page, you input your payment amount, bank information and pay date, then click " submit ''. a screen then appears that says in big bold letters at the top " Online Payment Confirmation ''. Now, on every other site I use to make payments online, that is only found on pages that are confirming my payment but with Kohls, that is NOT the case. their page labeled as payment confirmation is usually labeled elsewhere as " confirm your payment '' or something to that effect. so, if you are not paying close attention, you think you have paid, then are surprised when your next bill appears with no payment and a late fee! not to mention the mark on your credit report - which is the worst aspect. I have complained to them and written them, but they have made no changes to their site.

I can't imagine how many people are being charged late fees because of this and having their credit history negatively affected. they should not be able to call this page " payment confirmation '' if it is not a payment confirmation!
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

In XXXX the Post Office lost my letter with payment. I know this because the check was never cashed and it was in the letter. I received the next statement showing no pay and including extra charges. I called City Bank and told them that the Post Office had lost the letter. They looked at my payment record and said I had always paid the full amount and they would remove the penalties. The next bill included a {$2.00} penalty, so I called again and was told they would take care of it. I sent a check for the total of my purchases. The next bill had another extra {$2.00}. I paid the total merchandise charges and cancelled the card telling them I had enough of their lies. The next bill had another {$2.00} and merchandise charges of {$20.00}. I wrote a check for {$20.00} and took it to the XXXX XXXX to be paid. Since the card was canceled, they would not accept the payment. I sent the check and a letter stating the store would not take the payment. Also I stated that it may be late because of the time to get there. These " wonderful '' people ignored the letter and sent a bill with more penalties. I have had enough of their greed and mismanagement.
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (RI)

Received email notice from XXXX dated XX/XX/XXXX, at XXXX XXXX  EST, stating my personal account information was transferred to Radius Global Solutions. That XXXX provided them with my personal email address, so they can communicate with me about an alleged debt. I have no contract with Radius Global Solutions. XXXX is communicating about me to 3rd party without my consent, which is in violation of 15 USC 1692c ( b ). By XXXX even communicating with a third party and sharing my personal information is a violation of my privacy per the Privacy Act of XXXX. Notice, it is a fact, I am aware the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated. have attached multiple files added to this report.
Consumer complaint received 2018-07-30
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. (NC)

For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, XXXX Breach, XXXX/XXXX   Breach, XXXX XXXX XXXX Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having XXXX and Experian comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the XXXX breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and  credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

I deposited a XXXX XXXX check of {$400.00} via my mobile device to my Wellsfargo checking account on XX/XX/XXXX. The next day I have withdrawn the {$400.00} from my account as my sister issued the check to me for a specific transaction. At the beginning of XX/XX/XXXX, I received a notice from Wells Fargo stating that the same check was deposited a second time with XXXX XXXX on XX/XX/XXXX. As a result, on XX/XX/XXXX, Wells Fargo deducted {$400.00} from my checking account. I made more than 3 claims with wells Fargo to get my money back but all of them were denied even I never deposited this check twice. When I got back to my sister and she checked with her bank ( XXXX XXXX ) to find what happened with the check, XXXX XXXX made searches on her account related to the issues for weeks, and in conclusion XXXX XXXX never found such duplicate transaction as Well Fargo stated before in his notice to me. On XX/XX/XXXX, XXXX XXXX issued a notice confirming that the in question was only presented one time for payment on XX/XX/XXXX. So I will attach all documentation supporting my statement. As wells, Fargo never refunds me my money even proof provided to the Wells Fargo representative that the check was deposited one time, I fell victim to Wells Fargo and I am not treated fairly by this financial institution.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WA)

Midwest recovery has called me twice they will not tell me what the debt is. They are demanding my SSN and dob. I repeatedly told them no. And they keep calling. I don't have any outstanding debts that I am not aware of.
Consumer complaint received 2019-08-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (WA)

Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area. 

I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast. 

Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad. 

After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged. 

Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low. 

Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing this complaint to Equifax regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Equifax is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Equifax 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2022-05-02
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. (MO)

In accordance with the Fair Credit Reporting Act, Account XXXX with XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that 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 2020-07-16
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2018-03-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Asset Services LLC (MO)

Was called by XXXX XXXX XX/XX/18 stating that she had my case file on her desk and i was being sued for fraudulent check writing. I called the original creditor, who forwarded me to the debt buyer who informed me to no longer call XXXX back to correct the issue. Continued getting calls from XXXX and when I told her I was receiving conflicting information she hung up the phone.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (TX)

I called on XX/XX/XXXX or XXXX to place a stop payment on my account. I was told that there was a chance the merchant could still debit my account. At that time I requested a cancellation of my debit card. I went into the branch on XXXX to receive a new card. On the XXXX of XXXX the merchant then debited my account multiple times because the customer service representative never cancelled my card as requested and the branch representative never cancel my card as the should have.