davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 are the inquiries that are reporting on my Credit Reports : XX/XX/XXXX Inquiry : XX/XX/2021 XX/XX/XXXX Inquiry : XX/XX/2021
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I sent a letter to DataX requesting my consumer report. When I received my DataX report, I noticed an incorrect address. I disputed this address with the company. The company replied they could not remove the inaccurate address because it was tied to an account. There is no account reporting on my DataX consumer report. I have attached the report. According to FCRA, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], they are to investigate and they have fail to do that.
Consumer complaint received 2019-08-21
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: Porania, LLC (OH)

I am trying to rebuild my credit the bankruptcy on my report is holding my credit score down is there anyway to get it off ?? I have fixed all other problems that I have had in the past since then!! I try to keep up on all my Bill's now a days and iam very responsible and upstanding citizen. Thank you very much XXXX XXXX XXXX
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HOPE BANCORP, INC. (VA)

I have a checking account at Hope Bank in XXXX, Va. I can't access it online. This problem has existed for a month. I try to log on. I get the message " loading please wait while we log you in. '' Nothing happens. The bank said they know about the problem and don't know how to fix it except that I have to turn off all security features in my webbrowser. If I did this, I could access the account but then I would have to reset everything. I have had this account for years. This is not right. 
Please help. Thank you.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (RI)

I recently made a payment on XX/XX/2022 for the past due amount of {$80.00}. I received a notification that the payment was processing and will be applied in two business days. I checked my account on their website and the payment was processed. I checked my email yesterday and was told that my payment was reversed was not told why as to why it was reversed. I dont have extra to pay this if Im trying to get my credit in order so I can purchase a home in the new year. I felt this company is doing something fraudulent or reversing my payments once they are made.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (IL)

I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through XXXX XXXX, started in like XXXX. I refinanced the vehicle with Navy Federal Credit Union in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by XXXX XXXX as late payments are inaccurate as they received a check in hand in person at a XXXXXXXX XXXX location as instructed paying the vehicle in full and were to release the title and or lien to Navy Federal Credit Union. While I initially got a low rate for my vehicle with NFCU for monthly payments that rate quickly skyrocketed because NFCU did not have the tile ot lien to vehicle which XXXX XXXX keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially NFCU approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with XXXX it was at about XXXX plus when refinanced with NFCU it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While NFCU is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the two banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from NFCU and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

After getting my alleged Experian credit score of XXXX I find out after only giving two banks permission to pull credit I have pages. Of hits lower our score by almost XXXX ; points. No- please do NOT give me the XXXX about freeze when the credit reporting agency 's admitbthey can not block all from hitting the credit which they do on a regular basis. Then you have the brokers who literally XXXX you shopping you credit. Opinion by nature of years of experience -And all the while you stand in arrogance and lies speaking of how you protect people. Wow- you KNOW exactly who and what you are. How pitiful the destruction of people for THE XXXX OF THIS WORLD XXXX. Sorry truth hurts. what's the complaint FIX AND STOP UNAUTHORIZED INQUIRIES!!!!!!
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX/XXXX-XXXX # XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX # XXXX****, XXXX XXXX XXXX-XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

XXXX has over charged me and fail to inform me where all the charges are coming from. I took out one loan and now it is up to XXXX , but the cost of my school was only XXXX $ for all 4 years, so I do not understand where the XXXX $ is coming from. They also want me to pay {$15000.00} a month which is beyond ridiculous. The entire company just seems fraudulent and I see why they have a lawsuit out. DO NOT TAKE LOANS FROM XXXX EVER!
Consumer complaint received 2021-10-25
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. (FL)

Hard Inquiries for auto loan : Experian XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX/XXXX  XXXX XXXX  XXXX I DID NOT WANT A AUTO LOAN ... .THIS WAS NOT ME CONSUMER CREDIT SAID TO FILE WITH YOU THEY CANT TAKE IT OFF XXXX XXXX  XXXX SAID I HAVE NO LOAN SO I MUST FILE WITH YOU OR DISPUTE WITH CONSUMER credit BUREAUS NO ONE WILL REMOVE FROM MY CONSUMER inquiries
Consumer complaint received 2019-08-20
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. (IA)

The following collection account and credit inquiries are all fraudulent and not my accounts or credit inquiries: XXXX XXXX XXXX, $XXXX.XXXX, XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX-Iowa XXXX, XXXX/XXXX/XXXX and XXXX XXXX/XXXX, XXXX/XXXX/XXXX. I been receiving harassing and threatening phone calls of profane and vulgar language, threats of jail, prison and violence from Credit Collection Service Representatives which is a violation of the Fair Debt Collection Practices Act (FDCPA)under Federal and State law. Credit Collection Service is in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Equifax is not reporting my home mortgage correctly on my credit report. They are indicate that home mortgage account is " Closed ''. The bank that carries my mortgage " XXXX XXXX XXXX XXXX XXXX   '' did not report my information correctly to three credit bureau after the completion of Chapter XXXX. My mortgage company has corrected this issue. They submitted this information to all ( 3 ) XXXX, XXXX and Equifax. XXXX  and XXXX have already made the corrections to my credit report. I have spoke with Equifax numerous time over the last two months with no resolution. My last conversation with Equifax was on Friday XX/XX/19. It was due to I could not access their online dispute action center for status of my claim. I tried work out over phone, but got know where with them except frustrated and upset. They ask me to submit a 4th dispute by Fax, which I did on Friday XX/XX/19. I would have to say this has been my worst experience ever deal with a company and their representatives. Dealing with XXXX and XXXX was pleasant experience. I see online that Equifax have had over 1000 complaints for similar issues to my.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NJ)

I leased an XXXX XXXX XXXX Tech package from XXXX XXXX dealership XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. The Car buying experience was exceptional. XXXX was my sales guy and he did a good job. When I got the survey, I gave it the best review. 

The deal was 36 months XXXX miles {$680.00} per month tax included DMV fees Tags  and title included, XXXX down and only XXXX payment on signing. I sent an email to XXXX ( email attached ) dated XX/XX/XXXX, XXXX XXXX asking him exactly this and he responded ( email attached ) dated XX/XX/XXXX, XXXX XXXX  stating Hello XXXX, You've got your deal! {$680.00} total due at signing. Transfer NJ tags. {$680.00} per month When would you like to pick it up? this email from XXXX clearly confirms that I am not responsible for any other payment. 

This is` my 3rd XXXX and my 4th XXXX in a row. All were leases. On the last XXXX I was over on Mileage and XXXX gave me this deal. I have gone to 3 other dealers and all gave similar deals, except XXXX XXXX had a better monthly payment by {$12.00}, but, what made me decide to go with XXXX XXXX was the clarity and excellent customer sales interaction. 
Recently Acura financial called me and said there is an outstanding amount due of about {$6500.00} on the old XXXX XXXX XXXX which I had turned into XXXX XXXX when I got my new XXXX XXXX. I was shocked. My family is devastated and disturbed. This is my XXXX lease and never had anything to pay for the old car even when I was over miles, because we made a deal, and agreed upon it as it was all take care of with the new car payment and that is what exactly what XXXX told me, If I had the slightest of the inclination, there was something hidden, I would have gone with other dealers. 

Issue : I was not told that there is a payment that I had to do on the old XXXX at any time during the sales process and even asked XXXX several times if there is any other hidden amount. Please see attached 2 email there is no mention on the any payment beside what I have mentioned above Request : May I request the dealership to resolve the issue with Acura Financial and please pay the balance owe At the time of closing the documentations, the finance Manager charged me {$210.00} additional for Luxury tax, XXXX made it a point to return the amount by check because it was not told to me beforehand and I did not have any prior communication on it. At that time, I thought to myself, I have found my dealership for all my future cars and friends, it only going to be XXXX XXXX
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (DE)

On XX/XX/XXXX I began to transfer my Robinhood account to XXXX. On XX/XX/XXXX my request to transfer stock was approved to XXXX. However, I also had {$1900.00} in cash in my account with Robinhood that was not invested. On XX/XX/XXXX I attempted to withdraw my funds and place them back into my checking account to reinvest on XXXX. My request was denied. I contacted Robinhood and received no response. On XXXX XXXX, XXXX, and XXXX, I attempted to get my funds and a message came up that they could not complete my transaction because my account has been deactivated. 

The funds were showing as still in my account until today XX/XX/2021. Today my Robinhood account shows a balance of {$0.00}. {$1900.00} has gone missing. Robinhood has no phone service to call. I've emailed and received no response back. They are now hold my funds for over a week since being notified I wish to withdraw. My money has not been moved to my bank, and now it is not being accounted for by their service. I want my money back in my account immediately. I am losing money on investments everyday they delay. 

What they are doing is highly fraudulent and nearly criminal without an explanation provided. 

I've attached screenshots and a video to submit as evidence.
Consumer complaint received 2021-01-22
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. (NJ)

I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the error have been highlighted. Here as follow is item in error : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
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.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include section 1681s3 of this title THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account ( s ) ( A ) subject to, any ( i ) report containing information solely as to, or ; experiences between the consumer and the person making the report transactions. A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-04-07
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

I am a loyal American Express customer. I have been their client for some years now. I like their Membership Rewards program, and like the feature of transferring points to partner airlines. But today, XX/XX/2019, when I tried to transfer my available Membership Rewards points to XXXX XXXX (one of the point transfer partners) through American Express website, I was told "This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria". I immediately contacted the online customer service through online chat, and asked for help. The online agent was not able to transfer points for me either. So I contacted the customer service through phone, and spoke to a supervisor after being transferred three times. She basically told me the same thing and suggested that this might be caused by misuse of Membership Rewards points. But I do not agree with this, because I have not transferred points in a long time, have been using my credit cards for normal uses, and have not abused the rewards ever. I value my relationship with American Express and have also referred my close friends to apply, and they got approved of American Express cards too. I would like to be able to transfer points again as soon as possible because I already have my next travel planned out and airline reward tickets go out of stock fast. I have never misused Membership Rewards ever, and have zero intention to do it in the future, because I like American Express products a lot.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The company has offered me promotions to pay off my card and get it back since I was on XXXX leave. No matter how much I pay they refuse to unrestrict card and will continue to start promotion over. I asked my complaint be forward to the corporate office bo response they keep blaming on the system. I want the notes reread and the calls pulled. They are lying just keep adding extra fees.
Consumer complaint received 2022-11-16
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. (FL)

I am a natural person, i am a living human being, i have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX