davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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. (NJ)

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXXXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a XXXX XXXX XXXX a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

InXX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2021-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (NC)

Jefferson capital systems has contacted me on numerous occasions about a XXXX XXXX line of credit that I've never had. In the amount of {$300.00}. I've called XXXX numerous times to make sure that I don't have a balance and I don't. I explained to Jefferson capital systems that this isn't my account.
Consumer complaint received 2021-07-08
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. (NV)

They refuse to grant me access to my own credit file. They think they own me. I have no issues with XXXX  or XXXX XXXX, just Equifax. They have been blocking my access to my own credit file for over two years now. This is scandalous. My account is XXXX XXXX
Consumer complaint received 2021-05-04
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. (AL)

I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing Equifax and XXXX  credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,
Consumer complaint received 2018-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (KY)

I simply need Access to my robinhood account, they are none existent when needed.ive tried for last 5 months to access my account and them. 
No nothing from them., I'm going to the XXXX next. 
They are responsible for any losses that occur since I been trying to fix this.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (TX)

On XX/XX/2022, my car lender : Honda Financial Services required me to pay a lump sum amount of " fees '' in order for the title to be release to me. I made a payment using my debit card in the amount of quoted amount for {$1200.00}. The customer service representative claimed that my title would be mailed to me in 2 weeks - but it could take up to 4 weeks.

After 6 weeks I had not received my title, I followed up with Honda in XXXX and customer service representative stated they had a glitch in their system which caused the title to not be sent. They explained they would submit a " ticket '' requesting the title be released, and to " allow 2 weeks ''.

I followed up with Honda in 4 weeks, XX/XX/2022, as I still had not received my title. The Honda representatives explained they had serving issue that caused the title to not be sent. They would submit a " ticket '' to have the title released. They promised that it would take 3-5 days to process, and I would have my title mailed.

Two weeks later, XX/XX/2022, I still have not received my title. I called the Honda call center and agent explained all other agents had not fulfilled " tickets as they should '' and that she would " submit another ticket '' to get my title released. 

It is going on 4 months since I paid off the fees, they required me to pay yet I have not received my title.
Consumer complaint received 2021-02-01
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: EQUIFAX, INC. (GA)

I contacted Equifax on XX/XX/2021 about fraudulent information on my credit report and need to remove it immediately. The creditors who are reporting negative information have been using incorrect names as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have provided proof that the use of these names has been used in identity theft.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the below mentioned account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

Ally Financial blocked all of my payment accounts, my XXXX XXXX XXXX XXXX Account ( because I made a double payment and Ally Financial stated they would send a check, instead of processing the refund via the same method the loan was paid, I did not want to wait XXXX XXXX weeks for a check so I had XXXX XXXX take the payment back ) and as a result, Ally Financial blocked that debit card AND account number from being able to make payments. They also blocked my VISA debit card and account from making payments because although I was on autopay, I made an early payment and Ally took a second payment out of my account, same situation. They blocked all of my methods of payment and still demanded payment for my loan which was due but again, I could not make payments. Not only were late fees that were almost {$100.00} added to account but late payments were reported to the credit bureaus as well because according to Ally Financial it takes weeks to unblock accounts, and this was not something that could be done overnight. I don't understand how you can block a consumer from making payments, take 2-3 weeks to unblock an account, tell the consumer you will contact them after the accounts are blocked, never contact them, charge late fees and report late payments to the credit bureaus. 

This
Consumer complaint received 2021-05-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IN)

I just found this all though I've been asking for a readout on my acct for more than a year. I have a false loan amount of more than {$8600.00} that apparantly I've been paying for now for 2 years. And also I had a wreck last year and instead of my car getting fix with my full coverage insurance One Main took my check to fix my car and cashed it without my consent. And it didnt close the acct. Out I'm still paying for a damaged car and I never got a loan for {$8600.00} I can prove this. They are also charging me 31 % interest so i am completely upside down on a loan i cant ever payoff for a damaged car they took the money for. And the kicker on that is the say the didnt cash it though i can prove they did. In total i did borrow over a 3 year period XXXX and am paying back {$24000.00} this is crazy
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

Repeated calls with no one on the other line. Seems to be from several unpublished phone app numbers. Debt is for {$680.00} from XXXX XXXX, which stated there was no cutoff penalty. Action was opened on XX/XX/2020. Pro Collect XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. Phone XXXX
Consumer complaint received 2018-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

This is in regards to the student loan company Navient. 

On XX/XX/2018 I directed an overpayment on my smart option student loan in the amount of {$1200.00} using my one and only bank account set up with Navient. On XX/XX/2018 I received a letter from Navient stating that the payment was rejected by the bank because the account is closed, resulting in my loan not being paid off and an additional {$20.00} return check charge. On XX/XX/2018 I called Navient and spoke to a customer service representative with employee ID : XXXX and Supervisor with employee ID : XXXX. Both employees would not give me any further information on this mysterious closed account other than the last four of the account number ; which was different from my bank account number that is set up online. They told me when I made the payment on XX/XX/2018 that I had to manually enter in my bank account information when I did the " Direct an Overpayment '' ; which is FALSE and INCORRECT. ( see attached picture ). My one and only bank  account was already listed and available to use to pay off the loan. Never did I have to enter in ANY bank account information and NEVER have I ever used another bank account to make payments with Navient online. I only have ONE bank account to my name. So I do not understand where this mysterious closed bank account came into play. I was told that Navient customer support has no control over Navient online and that I basically had to get over it. At this time, I made a payment for {$1200.00} over the phone with the supervisor.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not authorized the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
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. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX SERVICES on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US  SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX CRED on XX/XX/XXXX ( Reported Identity Theft ) 6. FXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-05-04
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)

Not sure of dates, because I was not expecting to have to report Equifax. My son had me as a user on his XXXX card, in case he needed me to get anything for him. We found out it was reporting on my credit, so in early XX/XX/2021, we called The credit card company and had them remove me. They said that on XXXX XXXX, it would be off my report. It came off XXXX, but Equifax would not remove it. Over the past month we have called XXXX XXXX  and Equifax numerous times. XXXX has told us that it was reported that I was removed and they told me it was up to Equifax to remove it. They even gave us an email to show Equifax that it was removed, but they refused to look at or accept it. Equifax claims it is XXXX, but if XXXX removed it and they even gave us a letter to give Equifax, which they would not accept as proof, I say Equifax is the problem. Also, I dont like speaking to someone I cant understand and now I know that all these people overseas, have access to all my personal information. The letter Im attaching says XX/XX/2021, but we actually had XXXX remove it around the XXXX, the XXXX is when we requested a letter.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I received a call from XXXX stating that it was a family member and that they were stuck in the airport because their money was locked. They asked to send money in order for them to pay their fines. They asked for currency exchange and used an app called XXXX which used face and voice recognition. I used my full name, address, phone number, driver license and credit card information. I have screenshots of names and banks it was transfered to.
Consumer complaint received 2018-06-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have contacted Bank of America Creditor Representative and asked about any credit applications I have applied for. She responded and said she could not find my information in her system. Stating I never applied for a credit card with Bank of America. She then tranfered me to Bank of America Checking account Representative and he also explained there is no evidence of me applying for a credit application with them. And I only had a checking and savings account with them. Therefore the two inquiries XX/XX/XXXX and XX/XX/XXXX should have never been on my credit report. XXXX the Checking Account Representative for Bank of America is sending me a letter to verify I never did a credit application with them. And I would like for those two inquiries on my credit report to be deleted. Please and thank you.
Consumer complaint received 2024-03-07
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 requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (MA)

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: United We Collect, Inc. (CA)

UNITED WE COLLECT INC Account number XXXX Recent balance {$2300.00} as of XX/XX/2020 is reporting a collecting that is erroneous, I don't recognize. I contacted United we collect on several occasion to request validation of this account and to request removal of this account because I do not recognize it and original creditor XXXX XXXX XXXX  was already paid by my insurance company. Instead of complying or responding to my letters United We collect is not aggressivly attempting to collect debt for the balance I don't owe.
Consumer complaint received 2021-05-04
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. (MO)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-26
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. (PA)

My COMPLAINT IS BEING SUBMITTED BY ME PERSONALLY, WITHOUT THE INFLUENCE OF ANY THIRD PARTY OR ANYONE ELSE. I HAVE ATTACHED DOCUMENTS PERTAINING TO MY COMPLAINT. I AM DEEPLY SADDEN AT THESE COMPANIES AND HOW THEY MANAGE MY DISPUTES.
Consumer complaint received 2022-01-08
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: Santander Consumer USA Holdings Inc. (FL)

I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2021-05-04
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. (NY)

Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC Reports were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number XXXX.