davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Company enrolled in disaster relief for 2 months for Covid 19. After a week of not seeing it reflected contacted company again they stated it was lagging behind because of the demand which is understandable but they advised it was done incorrectly that case had to be cancelled and a new case created for two months. 

After allowing some time to pass I contacted again as the next month was approaching and I was concerned about the reporting as this was hitting my credit report derogatively when it should not have been. 

After speaking with several reps and several supervisors they advised rest assured this is going to be removed as your account clearly reflects this there has just been a lot of mistakes on my account with all of the confusion Then when I thought ok theyll fix and eased up I was delightfully surprised with yet another 30 days late which again clearly not accurate 100 % dispute and it needs to be fixed immediately I have never been 30 days late on this or any other credit card and surely didnt start now this is unacceptable
Consumer complaint received 2020-09-21
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. (OH)

On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under  warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc. (GA)

I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as  fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.
Consumer complaint received 2023-01-31
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OR)

On XX/XX/2022, the trustee on my bankruptcy case was sent {$68000.00} in order to pay my way out of bankruptcy BY LAW, which included my student loans. There was no other way to get out of my bankruptcy ( other than paying the monthly fee for the allotted amount of time I was ordered to be in the bankruptcy ). 

I have received no phone calls, no emails, and no letter correspondence saying I still owe money ( because it was supposed to be paid off ), and I had NO idea I was back in repayment. Navient has now reported a missed payment on my credit report, and theyre saying I owe {$3100.00}. Again, this is not possible because I PAID OFF MY BANKRUPTCY.
Consumer complaint received 2024-02-24
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. (TX)

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 times. I demand the accounts listed below to be removed 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
Consumer complaint received 2021-09-15
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. (AZ)

**Complaint/Letter mailed to the White House** ( see attached ) Experian Credit Bureau consistently fails to investigate and resolve ( 2 ) complaints submitted : Resolution process began XX/XX/2021. 
Complaint ( 1 ) - I have mailed countless certified letters to Experian to remove all negative reported items by " XXXX XXXX XXXX '', debt I do not owe. Experian was mailed pertinent documentation to prove that the debt was not mine. Experian CONSISTENLY ingnored my requests, but responded with ONLY a screen shot of my credit report, and while only responding with " Company has certified the debt to be accurate ''.

Company did NOT mail " Original Documents '' to validate debt, but mailed Its own Company-CREATED invoices, which are MISLEADING ( FALSE ) and INCOMPLETE.

Complaint ( 2 ) - Experian was mailed a Certified letter to have " Credit Inquiries '' removed from my credit report. Experian AGAIN, responded with a SCREEN SHOT of my credit report, while NOT resolving the issue at hand. ( Experian was provided with copies of my credit report with highlighted items, as well as copies of " Inquiry '' requests to be removed. Complaint COMPLETELY ignored.
Consumer complaint received 2020-09-21
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: EQUIFAX, INC. (OH)

On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit  score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-05
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. (WI)

DataX refuses to remove inaccurate information, be it personal or outdated inquiries. Per FCRA guidelines any inaccurate information is to be removed. Furthermore FCRA guidelines state that inquiries are only allowed to be reported for 24 months. DataX refuses to remove inaccurate personal information and refuses to remove inquiries 24 months and older. DataX is also reporting my banking information that has no permissible purpose and does not have my permission to report.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes.They are just breaking the law and doing whatever they want to do. This is outrageous. I do not understand how they can operate in this manner.
Consumer complaint received 2020-09-21
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. (OH)

On XXXX of 2019 I reached out to XXXX used car dealership and worked with a salesman who was to assist with finding a vehicle for me. I explained I had never financed a vehicle before and owned all vehicles previously out right. I was unable to meet in person and provided my social security number, along with other information to find a loan that was within reason financially. I specifically asked that I not have more than two hard inquiries on my report and was told that the credit bureau would recognize me looking for a car and only count the inquiries as one, that was a lie. It was 17! I expressed my dissatisfaction and concern with management and was told the same lie. In first applying my credit score was XXXX and by the time they were done my credit score was XXXX! This companies practice was abusive and deceitful in forcing me to have to choose a vehicle through them because I was unable to go anywhere else once my credit score was dropped so drastically. When expressing my concerns, I was repeatedly lied to about the effect this would have on me. My credit score is horrible and Ive been denied for school loans, increases on credit limits with my financial institutions and I am enduring a financial hardship with the insanely high monthly payments. I then began having issues with the vehicle while under  warranty at XXXX miles and was refused a loaner and was told I wasnt covered under the extended warranty that was purchased. Consumers should NEVER need to endure this type of predatory and deceptive behavior.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TX)

I sent a certified letter requesting debt validation and was send a letter stating " no further investigation is required under section 12 c.f.r. 1022.43 ( f ) of the FCRA '' I have been told that I am not able to receive the validation I requested.
Consumer complaint received 2020-09-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In mid-XX/XX/2020, Bank of America called us to inquire about some questionable charges. We reviewed recent charges with the agent on the phone, and discovered that 16 of them were made in neighborhoods and towns where we never visit. The agent flagged them and assured us they would be taken care of. A different agent explained that some pre-activated replacement cards had been mailed to us recently. ( We had no idea the company was sending replacement cards, since our current ones were not close to their expiration date. Since the cards were pre-authorized, whoever intercepted the cards must have been able to start using them with no questions asked. ) The fraudulent charges were temporarily removed from our account, pending an investigation. We then received a letter dated XX/XX/2020 stating that the disputed charges were consistent with previous charges, and therefore we were responsible for paying them, which total {$2700.00}. I've called the service number several times to explain that the charges are NOT consistent with our spending history, because we never shop in the neighborhoods/towns listed for the merchant. That is how we identified the fraudulent charges in the first place. The agents on the phone continue to tell me that they are investigating, but they refuse to remove the charges while the investigation is pending. My next bill is due XXXX XXXX, and in order to avoid additional late charges and/or interest, I will be expected to pay these fraudulent claims. 

It has now been over 2 months since they knew about the fraudulent charges. Bank of America has had ample time to investigate and see for themselves that the charges are not consistent with my history. They are refusing to take responsibility for their own lack of safeguards. If they had notified us that replacement cards were coming, or required the cardholder to call from their home phone in order to activate the cards, or if they had a mechanism to close out the existing cards when the new cards were used for the first time, then we could have avoided this situation.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

The credit furnishers and creditors are replying back the information is verified. After I submitted my complete and accurate identity theft report, IRS identity theft affidavit, someone filed taxes in my name. A copy of the police complaint. If someone has stolen my identity then my information can verify. Where is my protection as a consumer?
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2022-08-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I ordered a copy of my report in XXXX XXXX  dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX  XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-21
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

on XXXX XX/XX/20 My lost debit card ( which i was unaware of ) was used to make several unauthorized transactions. I did not get any security notifications from Bank of America.Which is ridiculous the account activity was clearly suspicious.I noticed my debit card was lost once i got a low balance alert from the bank. I immediately called their fraud department, they cancelled the card and issued me a new one while also filing a claim for me. 5 days later my claim was denied with no explanation. I reached out to their claims department only to be given the run around, no information was given to me. I provided my Police report number and was told Bank of America would reopen the claim. After 3 weeks later i woke up to a email that stated my claim was not paid. It was being denied with no apparent reason with literally no information on their determination. 

The Unauthorized transactions are listed below _______________________________________________________________________ XX/XX/20 {$1500.00} -Bank of America Atm withdrawal. 
XX/XX/20 {$9.00} -XXXX  XXXX XX/XX/20 $ XXXX XXXX XX/XX/20 XXXX XXXX Bank of America Atm withdrawal . 
XX/XX/20 {$430.00} - XXXX XXXX XX/XX/20 {$200.00} - XXXX XXXX XX/XX/20 {$240.00} - Bank of America Atm withdrawal.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!