davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (GA)

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. XX/XX/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, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed. Attached is my police report showing I have reported these inquiries and below are other hard inquiries that I did not authorize making them also fraudulent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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: LD Holdings Group, LLC (IL)

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

I send in the disputed to the credit bureau for inaccurate information on my credit report. they responded back saying the verified the information. I also sent a letter to the company that stated they do n't report to the CB.How can the verified information that not report to the CB.
Consumer complaint received 2020-11-24
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. (NY)

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results. report includes the following incorrect inquires. 


XXXX XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 please remove from my credit report since these inquires were not made by me
Consumer complaint received 2016-10-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX/XXXX/XXXX - I called my bank ( and employer ) to check to see if I could refinance my mortgage. XXXX provided great service. She ran all the numbers and saw where I could lower my mortgage by XXXX. During the application the " ratio '' came out too high ; So we could n't continue with the application. 

After the call, this disturbed me ... I am already paying my current mortgage ( without incident ) and there is an opportunity for me to lower it by XXXX and the application system wo n't recommend it - this seems really unfair ( almost illegal ) ; I asked that they relook at the application - The decision not to move forward would seem logical to me if I were requesting adding additional credit, etc ; but if I 'm eligible for a reduction and my financial state is the same or better ( as when I originally initiated the mortgage back in XXXX ) why should I be denied this opportunity
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX US DEPARTMENT OF EDU Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-09-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: ALLY FINANCIAL INC. (IL)

I had a loan with Ally Auto. I paid the loan off on XXXX XXXX. I was assured my Title was sent to me on XX/XX/2022. As of today XXXX XXXX I have not received the title. I have made numerous calls to Ally Executive Customer Relations, approximately 20, in an attempt to resolve this issue to no avail. I am frustrated and find no other recourse but to file a complaint.
Consumer complaint received 2019-02-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sonnenschein Financial Services, Inc. (IL)

They are claiming I owe money for a ticket on a car and license plates I have never owned. They are contacting me by postal mail. I have called them to stop, they are rude, laugh at me, and continue to insist I pay them. 

They are threatening judgment liens against me and to have my driver 's license suspended.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2015, XX/XX/2015 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Someone accessed my account and tried to deposit XXXX checks in to my accounts. XXXX were tried to put in checking and XXXX in savings. Bank of America allowed the person to withdrawal {$1500.00} from my savings account on the day it was put in the account and a transfer was tried for {$800.00} the same day. I filed a fraud claim and claim for my card being stolen, and they said I was the one who allowed someone to access my account which is false because they used a mobile app to deposit the checks. I have only used this method once over a year ago too deposit a paycheck from XXXX. They said the checks where deposited in XXXX but XXXX was deposited XXXX and XXXX XXXX. They will not send me my bank statement for the month of XXXX and they will not allow me to access the account.
Consumer complaint received 2022-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NC)

I made my final payment in XXXX, everything went according to plan. Received the letter that account had been paid in full and the XXXX was released. XXXX, I received the title. Perfect Process. XXXX rolls around, I start getting collections calls, stating that I had missed my XXXX payment and that I was XXXX days past due. 

The only communication from the prior was your account is paid, and here 's you title, so why would I be looking to make additional payments.
Consumer complaint received 2016-08-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I posted my credit card payment the day it was due, XXXX XXXX. However, I live on the West Coast and was not able to do so until after XXXX, or after XXXX Eastern. As a result I was charged a late fee and interest. When previously trying to pay my bill, their website was often down, preventing me from doing so. I paid my bill on the correct day, and was still charged a fee, despite never having been " late '' before. I called customer service to find out what happened and this was what they explained to me.
Consumer complaint received 2015-08-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/2015, Equifax, which merged my credit report with that of my sister unlike XXXX and XXXX, has sent me an email, indicating that the results of one of the disputes that I had started with them ( dispute confirmation # XXXX XXXX are now ready for me to view. Their so-called investigation results say that Equifax " verified '' that the items that belong to my sister, NOT me, belong to me, which is impossible! And I know, for a fact, my sister has NEVER used any of my information because the loans, installments, debts, credit cards, etc. that Equifax claims are mine do NOT show up on my XXXX and XXXX credit report as XXXX and XXXX show ONLY the loans, installments, debt, credit cards, etc. that belong to me. This is purely the fault of Equifax and their incompetent staff. They are the ones that started this mess yet they refuse to fix the very mess they created in spite of my wasting weeks trying to help them fix it.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted complaint # XXXX on XX/XX/2021 to CFPB I submitted the complaints against XXXX XXXX for its inappropriate behavior which violates consumer 's right. 

CFPB notified that the company has 60 days to provide the answers. 

XXXXXXXX XXXX did not provide any answers. It is more than 60 days. 

XXXX XXXX even reported to CFPB that it is researching the issue and will submit a report. 

Where is the report? 

Why did CFPB close the complaints without an investigation? 

XXXX XXXX  is continuously provided false and wrong reports to my credit. As a result, I can not get any loan.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CT)

XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

In XXXX, XXXX, I noticed that I have been charged $ XXXX monthly by a company called XXXX XXXX XXXX. Their website is XXXX. 

I checked my past statements and realized they have been charging my CitiBank credit card for over a year. This was all done without my knowledge or consent. I did not recognize these charges and investigated. I saw that it is a company that sells real estate reports on properties. 

I never sought their service. I did not even know their company 's existence. I never received any product or service from them, nor did I ever attempt to make any purchase with them. I definitely did not agree to pay them $ XXXX for so many months. 

I reported this issue to CitiBank. They ruled in favor of the merchant, who claims that I have been authorizing these charges every month for their product or service. 

I have not ever received or used a single product or service from this subscription they have been charging me for. I did not agree or consent to these charges. 

CitiBank ruled in favor of the merchant without even listening to my concerns or statements. The merchant could not even provide proof that I used their product or service even once. Again, I did not make this purchase. I did not agree to any of it. Why am I being held liable for fraudulent charges that I did not myself make? Why am I being held liable for fraudulent purchases for which I did not use any of the product or service? 

CitiBank sides with businesses that participate in credit card fraud and predatory business practices. As a CitiBank customer for over 30, maybe 40 years, this has been an extremely disappointing and haunting experience. I am out thousands of dollars, and my bank is not protecting me when I am clearly a victim of credit card fraud.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Navient holds my student loans. They were supposed to consolidate all my loans into XXXX loan after I came out of their rehabilitation program. I have been paying them for almost 2 years now. I am trying to buy a home and just learned that Navient never consolidated my loans like they said, and they are also reporting me to the credit bureau 's as both derogatory and open accounts every month. This is effecting my credit as to where I can not get a home loan and causing me distress. I have a XXXX child that needs the stability and security of a home and this is hindering his need. I called Navient they advised me that they are in fact by law able to do what they are doing and if I want to put a complaint it I can and as far and as the consolidation I can set that up with them that day. At that point I was so distraught I had to hang up. I didnt know where else to turn to for help with getting this company to stop reporting me as a bad debt when I am clearly paying that debt to them every month which they report.
Consumer complaint received 2020-11-02
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: Convergent Resources, Inc. (TX)

Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2016-09-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (NJ)

I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

1 ) My spouse and I are disputing a XXXX XXXX account with a balance as it appears on Transunion and XXXX 2 ) My spouse and I opened a joint account with XXXX XXXX which later on settlement was agreed upon as " uncollectable '' 3 ) In the court case : " XXXX vs XXXX '' it clearly states that showing a balance is a form of collection activity 4 ) my spouse and I repeatedly notified both Transunion and XXXX as well as XXXX XXXX, but they keep verifying that the balance they have is accurate 5 ) We have attached the following documentation to this complaint : a ) settlement with WF b ) Notice Potential FCRA Violation - TU c ) transunion reply XXXX d ) reply from XXXX XXXX XXXX ) All we are asking is for the XXXX account to show a zero balance
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

THE REPRESENTATIVE CALLED ON A SUNDAY, XXXX XXXX, 2015 AT XXXX EASTERN STANDARD TIME. I LET THE REPRESENTATIVE KNOW THAT IT WAS A SUNDAY AND I WAS WITH MY FAMILY. HE STATED THAT THIS CALL WOULD ONLY TAKE A MOMENT OF MY TIME. I FEEL THAT HE WANTED ME TO TALK WITH HIM ANYWAYS DID N'T MATTER TO HIM IF IT WAS A SUNDAY AND THAT I WAS WITH FAMILY. THE COMPANY IS PORTFOLIO RECOVERY AND THE NUMBER THAT SHOWED ON CALLER ID IS XXXX
Consumer complaint received 2023-03-27
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)

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I settled a charge off account for partial payments. As I have been paying near 2 years, I called and asked to settle the left over balance of {$540.00} to less own balance. Toyota collections settled for {$260.00} to {$0.00} balance on XX/XX/XXXX. I then check my credit report and they reported wrong information. I contacted equifax for dispute and after 30 days, the dispute still pending and information is not correct. Therefore the negative information should be deleted by XXXX as Toyota failed to report correct information due to their error.