davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (NY)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXnquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXXnquiry Date XX/XX/2021
Consumer complaint received 2020-06-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

XXXX was not a repeat complaint. This company continues to say they are doing things and they are not. They say they dispute the issue with the credit bureaus and they do not. Instead they reapply the open credit to my credit report. Please take this seriously as I am being treated terribly by this company and now the CFPB. Please read the whole complaint that the company is not following it's own resolution, but continuing with just applying it to my credit. I was never aware of the debt and they never disputed and now they are reapplying it to my credit with a new date.
Consumer complaint received 2018-09-07
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: CITIBANK, N.A. (NY)

I co-signed student loans in XXXX when I was XXXX years old. My co-signer paid his loans to Citibank before XX/XX/XXXX. In XX/XX/XXXX, I was not living at my old address and did not use the phone number any longer that was on the original application when I co-signed. In XX/XX/XXXX, CitiBank sold their student loan portfolios to XXXX XXXX XXXX XXXX yet credit reporting and other documents still show Citibank as the lender. Occasionally, I would check to see if payments were paid up to date by the original signer. I signed in online and saw that the loans were no longer there. It was XX/XX/XXXX, I was not able to get in touch original signer and I saw a {$0.00} balance on the loans. By XX/XX/XXXX, I was able to speak with the original signer and he told me he thought I was paying the loans because he saw his online CitiBank account had a {$0.00} balance as well. I called Citibank who then informed me that my loans now belonged to another lender. It was a very busy time of year, I missed the payment by 35 days ( 5 days past the credit reporting ). It is also 5 loans, when I really only make one payment per month. I  would like this removed from my credit report due to the confusion and lack of explanation for transferring of loans. I have called XXXX XXXX XXXX XXXX who says they will not adjust anything that is more than 60 days old.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I reported this issue with Equifax before that they keep reporting wrong last name in my credit report as XXXX XXXX instead of only XXXX XXXX. I submitted documents which shows only XXXX as my last name not XXXX and I wanted that wrong spelling last name of XXXX XXXX to be removed from my credit report.
Consumer complaint received 2018-09-07
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC (TX)

My Name is XXXX XXXX XXXX, with defaulted Student loan, however l am currently making monthly payment under federal government assisted consolidation program unknown to me .l did not realizes that certain portion of my defaulted loans is with this Allied Interstate Debt collecting Agency, this company started garnishing my wages without proper notification thereby causing hardship on me on my family. this Company refused to work with me despite all my efforts with tears on my eyes begging, this Allied interstate to stop making my life and that of my family miserable, l have two son in college and two aged parents with me. 
XXXX is currently handling my student loans with XXXX dollars month please stop this harassment and hardship allied is mounting on me and my family. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (LA)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2022-08-01
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: OneMain Finance Corporation (FL)

XXXX XXXX has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
Consumer complaint received 2018-09-07
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. (TX)

After never receiving actual bank statements for my personal loan. I was never given an opportunity to pay my monthly payment without having to physically go to the bank. I then ran into a issue with payments where the bank representative never spoke of any late payments during the time of my payment. since the start of this loan, there as been a lack of communication for what i'm was responsible for each month. since trying to resolve this, I have seen this credit union continue to show inaccurate information about my payment history thru my XXXX along with other reporting agencies. Im asking for all miss payments removed along with {$1000.00} in compensation.
Consumer complaint received 2022-08-01
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 (TX)

the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Consumer complaint received 2018-09-07
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: Exeter Finance, LLC. (TX)

XXXX XXXX Inquiry on XX/XX/2017. unauthorized inquiry had been made on my credit report, I did not authorize this company to run my credit report.
Consumer complaint received 2018-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2018 I allowed someone I thought I trusted access to my bank account at Wells Fargo. He proceeded to deposit fraudulent checks ( 3 for {$700.00} each ). 
XX/XX/2018 I noticed the hold was lifted. Automatic payments go through. Two transfers I thought I had access to went through. 
XX/XX/3018 A hard hold was placed on the account because the checks bounced. No deposits, no withdrawals. The account was due to close within ten days. I figured they would keep their word about not allowing deposits. 
XX/XX/2018 I notice the negative balance, and questioned how they allowed the checks through, replaced the hold, and sent them back, against my account. 
XX/XX/2018 I noticed my debt had gone down by the same amount of my XXXX check. I mistook this as them hacking away at the scam. 
XX/XX/2018 It sunk in that it was my check, because I saw that particular DEPOSIT had gone through. I picked up the letter about the matter, which plainly said everything was blocked and my account was due for closure. 
I called the bank, was shuffled around three different departments, and was finally handed over to the supervisor of Loss Prevention. 
I told them about the email, and letter, that plainly stated NO DEPOSITS would be allowed through and my account was to be shut. 
I was told the exact opposite, that my account could not be closed with the negative balance and their collections department was allowed - by any means necessary - to, well, collect. ( This includes garnishing that XXXX check, my only income. ) Today, XX/XX/2018 The collections department woke me up to ask about the rest of the debt that I can not pay because I'm on XXXX. The person had the nerve to ask me when my next check was due. 
They already yanked one out from under me. I needed that for books for college. 
This is corrupt, if not illegal.
Consumer complaint received 2022-10-24
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. (TX)

In accordance with the Fair Credit Reporting act, this company has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructionsXXXX XXXX XXXX ( a ) ( XXXX ) ( a ) and XXXX XXXX XXXX ( a ) ( XXXX ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX XXXX  mail XX/XX/2022, XX/XX/2022 and XX/XX/2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.
Consumer complaint received 2022-10-08
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. (FL)

I've been trying to get these fraudulent inquiries removed from my credit report for a while now. I told them that i didnt authorize any transactions from these businesses. One of those inquiries is for a gas station... i would never apply forb a gas card because my credit bureau already gives me 3 % cash back plus a whole lot more than some gas card! I also tried to explain to experian that i dont have an account with first XXXX XXXX XXXX but they said they wont fix it because im an authorized user? But they are playing games with me because everyone knows that authorized are not to have their files pulled because ita a breach of private. Im not sure why they are being difficult but I'd appreciate it if you can help me get them removed because i dont want them on my credit report.. then i can move on. Thanks you *** i just remembered that I also have a late payment on my credit report by XXXX XXXX XXXX i just forgot about it after a while because they kept playing games. I paid the account on time... it was just on a holiday ( XX/XX/XXXX ) and i was informed that no late payment would be given. Years later, when i got serious about my credit, i saw the late payment but i already had paid the loan off. SEVERAL times, I've informed the credit bureaus that I was never late but they keep saying that the account was verified? How does that even make sense when im the one who had the car and i know i was never late? Moreover, they cant even get their lies straight! XXXX says i was late on 1 month but then XXXX says another? Please help me with this situation as well so i can finally relax. Thank you
Consumer complaint received 2022-08-23
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)

I visited a few car dealerships In early through late XXXX and XXXX to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Resolution : A fair resolution would be for all the above-mentioned hard inquiries to be removed immediately from my credit report on all 3 credit bureaus. 

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 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank (MS)

I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,
Consumer complaint received 2019-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC (WV)

I applied for XXXX lease and expected to pay off product In time, I was not advised that it would not be paid neither in writing or voice. When it was time for final payment I was told to call XXXX and they were rude and told me to call the police if I thought they were being illegal. I told them I was going with consumer advocate and they changed their tune.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander Bank refusing to correct the amount owed to the bank. Debt owed was settled in full via debt collector transaction. Settlement offer and paid in full statements were provided to Santander Bank and credit reporting agencies with no effect. Credit History is being negatively impacted and negatively impacting my finances daily. Spoke with Santander Bank contact center manager in the debt collection department several times and have contacted the debit collector agency used by Santander Bank. Was told this will be resolved over and over again to no effect. Will be providing the debt settlement letter. If a financial institution is making an offer to settle debt and doesn't come through on the promise, this is both a deceptive practice and should be investigated by CFPB for repeated patterns of consumer abuse.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

The " XXXX XXXX Reported '' field on my Equifax report for the account " XXXX  '' keeps changing each month, and is currently listed as " XX/XX/XXXX. '' THIS IS INCORRECT. 

It is impossible for this date to be in XXXX because the account was settled at {$0.00} in XX/XX/XXXX, with no activity since then. 

The " XXXX XXXX Reported '' date for this account should be listed as XX/XX/XXXX. 

The incorrect " XXXX XXXX Reported '' date is re-aging the debt, a serious violation of the Fair Credit Reporting Act under Section 623 ( 5 ) ( A ). 

I have disputed this issue multiple times via certified mail. If Equifax can not report this tradeline accurately, they must delete it from my credit report.
Consumer complaint received 2022-07-22
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1581 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 2022-07-22
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed item as they was opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, 2018 XXXX : {$5200.00}.
Consumer complaint received 2022-07-22
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. (CA)

I have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2018-09-07
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. (NV)

Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

On XX/XX/XXXX, I paid {$10000.00} on my mortgage. This should have been allocated as a single monthly interest payment ( in XX/XX/XXXX, interest was {$960.00} so XX/XX/XXXX should have been similar ) and the rest to principal. Instead, Ditech charged {$2800.00} in interest. Importantly, this is a pattern of overcharging interest by Ditech. They have done this several times to me as you can see in the payment history.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Claims had told me they finished their investigation and has denied my claim. I called wellsfargo claim telling them the card was sent to the wrong address. I told them my actual address is about 8 hours away from where the card was sent to so Im confused as to how I was able to even use my card in a city thats physically impossible for me to get to AND back to my own city again. And considering I ONLY ever use my digital wallet to withdrawal money from atms, Im confused as to how I would have had my physical card on hand for a withdrawal as they state. I called into claims escalations and they were being very vague telling me to call claims again KNOWING that the claim has been denied and the reason I wanted to escalate was because of the denial. They had told me they can not reopen the case. So at this point I feel like Im being ran in circles while someone stole my money.