davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (GA)

On XX/XX/XXXX, I received an alert on my credit report of a collection from XXXX XXXX XXXX and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be Check Into Cash with the amount owed being {$610.00}. I immediately called XXXX XXXX XXXX and in speaking with an associate, I was told that the account with Check Into Cash was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, XXXX reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX ) so that they could investigate.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX - Equifax is not scoring my credit report correctly. My consumer credit report was XXXX last month. This month it is XXXX. I make all my payments on time, I am never late. My utilization is below 6 percent ever month.The balances on my accounts are not too high compared to loan limits. None of my accounts have a severe delinquency or a derogatory status. I have no unpaid collection agency accounts. I have attached a copy of my consumer credit report. This inaccurate credit score is hurting me and my family from purchasing from creditors. Please inform Equifax that the XXXX XXXX  XXXX is at fault and the law requires all credit reporting companies to report accurately. I will continue to report complaints to the C.F.P.B if this continues!!!!!!!!!!!!!!!
Consumer complaint received 2023-04-06
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. (SC)

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

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XXXX XXXX I contacted you with report number XXXX explaining that Transunion is reporting accounts that do not belong to me and was opened fraudulently using my personal information. The accounts for XXXX XXXX XXXX XXXX XXXX {$1.00} along with XXXX XXXX / XXXX {$320.00} are fraud accounts that have been opened using my personal information without my permission. I am asking again that this information be deleted from my credit report.
Consumer complaint received 2022-04-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (NM)

I have a closed off account with a credit union in the XXXX XXXX, CA area. The credit union already reported my account as closed. The collection company that is attempting to collect the debt, is reporting the same debt/amount to the credit agencies. So it appears I have two delinquent auto loans.
Consumer complaint received 2020-10-19
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: Experian Information Solutions Inc. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2020-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Atlas Credit Company, Inc. (TX)

Atlas Credit company, XXXX XXXX XXXX XXXX If I could give them a -0 I would, the manager XXXX fraudulently renewed my loan without my knowledge, I had to call corporate and report him, he lied till the end, First he said that the other man that worked their XXXX did it, then he called back and said it never happened, then when I contacted the Corporate people, he said that I told him to renew it over the phone which was a flat out lie, I never signed anything, and the sad part is, this is the second time it has happened to me, the first time I caught it before I left, this time I got home and caught it, there is no telling who else this has happened to, you need to check your accounts because they are so dishonest, the only person that I got a result from is the Corporate person XXXX, she helped get my account straight, I want to pay them off and never deal with them again!!!! XXXX YOU ARE A FRAUD AND A THIEF!!! ATLAS CREDIT ON XXXX YOU ARE FRAUD, AND I HOPE THE YOU GET AUDITED AND THEY FIND OUT WHO ELSE YOU SCAMMED!!!
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (WI)

I have has a mortgage since XXXX on the property located at XXXX XXXX XXXX XXXX, Wi XXXX. However, in XXXX this mortgage was sold to Citizen One. I always received my escrow check in XXXX so I could pay my taxes in XXXX. This year I did not receive a check. I called In XXXX and they said they would issue me a check. It w XX/XX/XXXX and no check. With that said I received a check today from Citizen One that was cut on XXXX XXXX. Yes 53 days. So I called to see if this check had been cancelled and when the new check was issued. I was told that the new check was issued on XX/XX/XXXX and this check has been cancelled. I have now been on the phone with Citizen One for one hour and they are not sure if they can get me my money in my escrow account. I have about 50 % equity in this home and only did the escrow account as a convenience. This is no longer convenient and they are not releasing my funds or taking this situation seriously. The taxes are due by XX/XX/XXXX and it is the XXXX of XXXX. 

XXXX at Citizen One on XX/XX/XXXX mentioned it was a communication issue between departments.She said she was going to place me on hold and then expedite me a check after she emailed an internal department. However when she placed me on hold she disconnected me. And in the beginning I verified my phone number. No call back apologizing that she accidentally hung up. 

I want me money for my Property Taxes Citizen One.
Consumer complaint received 2019-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

We bought a car from XXXX on XXXX in XXXX. When we arrived on the car lot we informed them we were looking for a safe reliable family vacation vehicle. We also let them know our XXXX year old would ride in it daily so we needed it to be safe. We left with a XXXX XXXX XXXX. Two weeks into having the vehicle we noticed it wasn't driving right. We took it To our mechanic who said there was an extreme oil leak and an extreme differential leak. We didnt believe it since it had just passed inspection 2 weeks before we purchased it. We took it to two other mechanics who stated the same thing to us. We contacted XXXX and they told us to take it to there approved vendor to get looked at. There vendor said he didnt see the oil or differential leak. He was also the same person who passed the inspection on it. He kept the vehicle for about two days to make some repairs and gave it back to us and said it was good. We thought the car was fixed until two months later there was smoke coming from the hood of the car. We took it back to our mechanic who said if anything was fixed he wouldnt be able to tell since it was all used parts on the vehicle. He stated it still had an extreme oil leak, differential leak and also a transmission leak as well. We had a state trooper look at the car with the mechanic who said the vehicle is life threatening to drive and there is no way it should have passed inspection. The trooper said since it has been so long since we purchased the vehicle he wouldnt be able to issue the citation but he would have a talk with the approved vendor about it passing it when it should not have been. At this point we contacted XXXX and told them everything and they said they would have a tow truck come pick the vehicle up and they would look it over again. After looking it over they decided to allow us to come look for a different vehicle at XXXX on XXXX XXXX. When we arrived the first vehicle we looked at had a crack in the windshield. We asked how it passed inspection like that and we were told it must have just happened that day. We were not feeling good about getting another vehicle from them and was already advised by XXXX on XXXX XXXX that the XXXX location stated they were going to pay off the XXXX XXXX loan. So we thought we were done with them until I got an email from XXXX stating they dont know who stated that but they were wrong and we would have to pick another vehicle from them. We found another vehicle and had it checked out by our mechanic before returning to the XXXX location to make the switch. Then we were advised it had been to long since the first loan so they couldn't switch out the vehicle and would have to pay off the old loan and make a new loan. Now I have 8 hard inquires on my credit report. I dont know why since all of this was over ONE vehicle that was sold to us. My family is trying to buy a house and this is going to hurt us now.
Consumer complaint received 2021-02-02
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: TD BANK US HOLDING COMPANY (MD)

I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but Target is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Consumer complaint received 2020-01-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I was trying to buy a house in Wisconsin and when they check my credit, l have two credit cards with Bank of America that are not mine 1 open in XXXX for XXXX dlls and the other one open in XXXX for XXXX dlls. I travel personally to a Bank of America in Florida and they check in the computer and they don't have nothing with my social security, it's just a name association.
Consumer complaint received 2018-02-11
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. (NY)

My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to TransUnion and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Consumer complaint received 2023-04-06
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted soon : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (NC)

I have over 13 hard inquires on my credit report with Equifax that are not linked to any open accounts I have. I have sent in a dispute letter that they received on XX/XX/2021 via certified mail as well as a phone call on XX/XX/XXXX at XXXX XXXX EST but they have not removed them. I have also requested the signed agreement for the negative accounts listed on my report but they have failed to provide that as well.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Reroutes me to Collections blocking my access with my current account for a very old debt that was discharged VISA XXXX XX/XX/2013 Statute of Limitations in Florida State I live is 4 years USAA HAS NO RIGHT TO COLLECT THIS DEBT They are not above the law And they have no right blocking my current account to collect this 7 year old DISCHARGED DEBT This is done in retaliation
Consumer complaint received 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

XXXX charged me late fees back in XX/XX/XXXX / XX/XX/XXXX for XXXX I HAVE NEVER BEEN LATE ON ANY OF MY BILLS OR BALANCES I WAS OUT OF THE COUNTRY WHEN I BELIEVED I MADE A PAYMENT & MUST HAVE NOT GONE THRU. 
I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND CANT BELIEVE IN ALL YEARS I HAVE HAD THIS ACCOUNT NOW THEY HAVE AFFECTED MY CREDIT!
Consumer complaint received 2019-11-15
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (GA)

I was due to go to the XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. However I could not go because this was an academic exchange for researchers of the XXXX XXXX XXXX XXXX and due to a family emergency I could not attend. According to the booking confirmation with XXXX XXXX XXXX XXXX, it said the fee was non refundable but it also said, We understand that sometimes plans fall through. We do not charge a cancel or change fee. When the property charges such fees in accordance with its own policies, the cost will be passed on to you. XXXX XXXX XXXX XXXX charges the following cancellation and change fees. I filed a dispute with American Express ( reference number XXXX ) and they did not take into consideration the documents that I wanted to send. I tried sending the documents to them on five occasions and have been told they never had them and did not take into consideration my documents/agreement that I received from the hotel. To this day I spoke with a supervisor for the 5th time and she asked me to send the documents again for the 5th time using www.americanexpress.com/docupload XXXX American Express XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX However I have already done this five times and without taking into consideration these documents or even calling me, they reached a decision. I never used the service and the documents had the option to have plans fall through, and Americans Express appears to think I should still be responsible for these fees.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX   and XXXX  during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Consumer complaint received 2018-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

IC System is trying to collect on an account that has been paid directly to the creditor ( XXXX ). I have no business dealings with this collection company. I had never received any correspondence with IC System until I started disputing their claim and received a letter after my attempt to dispute with the Bureau 's. I have not given a company above written consent to contact connection with the collection of any debt. I have no known relationship with the company I. C System in regards to a XXXX account. They are trying collect on a debt not owed to them whatsoever.
Consumer complaint received 2018-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (CA)

I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

APPRECIATED SENORS INVESTIGATORS CFPB AND CEO SIR DIRECTOR FEDERAL AGENCY DEFENDERS OF THE CONSUMER. 

FORGIVE, UNDERSTAND UDS ADDRESS THIS MAN IF HE HAVE PROBLEMS, BUT IT IS NOT THAT APPRECIATED SENORS THIS COULD BE RETALIATION OR FRAUD. 

I WAS APPROVED BY XXXX CREDIT CARD AND I HAVE COME PAYING ANTICIPATELY FROM XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX A CREDIT FOR {$150.00} DOLLARS AND FROM THE ABOVE MONTHS MENTIONED, I HAVE COME PAYING {$50.00}, {$47.00} {$38.00} {$44.00} {$60.00} {$50.00} {$47.00} {$50.00} XX/XX/XXXX AND I STILL HAD THEM AND I HAVE CHARGED FEE UNNECESSARY AND A DISORDER IN THE PAYMENTS MY STATEMENT HAS TWO CYCLES OF PAYMENTS ONE ON THE XXXX OF EACH MONTH AND THE XXXX OF THE SAME MONTH THERE IS A DISORDER WITH MY BILL OR IT IS I HAVE TO PAY IN 1 MONTH 2 TIMES EACH MONTH AND CREDIT LINE .... IT DOES NOT KEEP ALWAYS LOW WITH FEE OF {$35.00} THEN GO UP WITH PAYMENTS, AFTER LOWER WITH OTHER FEE, IN CONCLUSION XXXX WAKE UP WITH MY XXXX  COUNT
Consumer complaint received 2021-10-12
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: NETWORK CAPITAL FUNDING CORP (TX)

A person by the name of XXXX XXXX XXXX at Network Capital called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.