davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I tried obtaining my credit reports from all 3 agencies at XXXX. I was able to view and print my complete XXXX and XXXX credit report but not the Equifax report. I'm certain all the verification information I provided was accurate. The fact that i got the other two is indicative of that. Equifax is putting unnecessary roadblocks to stop consumers from accessing their credit report. Equifax asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format. 

Below is the message I received : Print and complete the Annual Credit Report Request Form. You'll need to mail the completed Annual Credit Report Request Form and a copy of the required documents described below to verify your identity Mail in a copy of one item in each of the categories described below. 
The item you include from the Identity category MUST contain your Social Security number, and the item you include from the Address category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) Please enlarge photo copies of any documents that have small print, such as your driver 's license. Also, make sure the documents are easy to read and do not have highlighting. To avoid delays, keep in mind that if the photo copies are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. 

Mail to XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ALLY FINANCIAL INC. (AZ)

XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX  I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. 

Ally also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MI)

Someone called and stated they were a debt collection agency and that XXXX sent them my debt for two hundred and something dollars. I paid XXXX for 1 year worth of Auto insurance up front a few months ago. So there's no way I owe them a debt. I was also never contacted by XXXX or received any mail from XXXX.
Consumer complaint received 2020-06-07
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: AES/PHEAA (FL)

I filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I have not received any investigation results. 

FEDLOAN SERVICING XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$4000.00} XXXX XXXX XX/XX/XXXX {$53.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$5300.00}
Consumer complaint received 2022-02-02
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-10-13
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. (FL)

I HAVE REPORTED THIS TWICE TO DISPUTE TD BANK/TARGET ACCOUNT HAS NEVER BEEN LATE. THESE BUREAUS EQUIFAX AND XXXX COMPLETELY DISREGARD THE FAIR CREDIT LAWS AND CONTINUE TO REPORT FALSE INFORMATION. I WILL SEEK COUNSEL TO FILE A LAWSUIT.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (MI)

I first received a debit card that couldnt activate from XXXX XXXX XXXXXXXX. I never applied for this card. Yesterday I received a letter that I was declined for a credit card with Nordstrom that I also never applied for. And it has caused my score to drop tremendously.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED, Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a credit card with Capital one bank and Ive tried to dispute this several times since XXXX. XX/XX/2020, during the pandemic, I spoke with a representative that said she would defer my account due to the financial crisis the entire world faced. I explained to the agent that I will resume making payments XX/XX/2020. I now have XXXX late payments ( XXXX and XX/XX/2020 ) on my report that shouldnt even be there. Ive tried time and time again to dispute it but they arent removing the falsely reported late payments. Ive explained to them that Ive made all my payments on time before and after that and they still wont Stop reporting a late payment for those months even after a clean record.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (MO)

On 3 separate occasions I have attempted to remove a fraudulent address from my credit report at Equifax. I have filed the dispute process twice and never received any indication from Equifax it has investigated or removed the address. 

Today, I pulled my credit report and the address is still shown at Equifax. I attempted file another dispute, but, it will not let me as it says a dispute has already been filed. I attempted to call Equifax to resolve this and/or find out when this will be resolved. I can not get through to an agent. 

I am very frustrated by this and would like this removed ASAP. I suspect its fraudulent and Equifax is ignoring my requests to resolve this perpetuating the fraud.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

I am well under the knowledge that payment is overdue for this particular card. It is unfortunate that we had other bills that needed taken care of first or risk potential eviction from our living situation. 

The initial charge was for the max limit of {$1000.00} on XX/XX/2022. The payment was processed and then repayment calculated for {$29.00} a month due every XXXX. We missed the initial payment due to job status as well as other bills, and have yet to be late for XXXX ( it is currently XX/XX/2022 as of writing this ). The current payment sits at {$69.00} with the {$40.00} late fee that CitiBank charges for the best buy credit card. We are normally quite prompt with payment, and have been trying to figure out our finances and other bills to get this paid. The purchase was not made without great apprehension in the first place, as it was for a phone that needed replaced. We had little to no choice, as repairs on the old phone would be just as, if not more expensive and take too much time, as the phone was needed by the next day for job purposes. 

Since XX/XX/XXXX, CitiBank has called me XXXX to XXXX times a day, leaving a message only once. They call from the same number, and I recognize it in my call logs. They even call outside of normal business operating hours, including on XXXX and XXXX. 

All times are in Eastern Standard XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX ( XXXX somehow ), XXXX, XXXX XX/XX/XXXX : XXXX and XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX XX/XX/XXXX : XXXX and XXXX
Consumer complaint received 2021-12-20
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: Affirm Holdings, Inc (FL)

Affirm company has been dishonest and very misleading in their advertisement. I was told that I was pre-approved for {$2000.00} for a XXXX XXXX purchase with zero interest rate. The payments would be {$660.00} for six months. I took it but when I made my purchase it was just for {$660.00} because the item was on sale for 50 % less. 

Affirm is claiming that because the loan was approved for {$2000.00} that I must pay {$330.00} on XX/XX/XXXX even though the purchase was done later but the claim that's because the approval was done on that date. And then pay another {$330.00} in XXXX. 

That is not right. If my purchase is {$660.00} then my payment should be split into 6 parts as they were doing with the {$2000.00}. 

Their advertisement is quite confusing and misleading. If I will pay no interest and did not use the entire amount approved then I must only pay the amount used in installment not the amount approved. 

When I spoke with customer service they told me there is nothing they can do that is how the system generates the payment and they can not change it. 

They are truly misleading and disingenuous.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (GA)

Ollo is the company. I paid my card off in full XX/XX/XXXX. XX/XX/XXXX I received an email for a bill due on XX/XX/XXXX for a doordash charge for XXXX. I have not used the card since paid in full. On XX/XX/XXXX the charge was reported to Ollo as fraudulent charges. Card was canceled and new card issued. 2 credits were applied to my account on XX/XX/XXXX for XXXX and XXXX before the bill due date of XX/XX/XXXX. Late fees and interest were charged in XXXX and XXXX and incorrect reporting to all 3 credit bureaus are still taking place on XX/XX/XXXX. 
Account should have {$0.00} balance, all late payments that have been reported to the credit bureaus should be removed.
Consumer complaint received 2021-12-20
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. (FL)

I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At XXXX point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES (NC)

hi i checked my credit report and noticed one company had three different collections on there. i sent a vitrifaction letter XX/XX/2018 asking for proof i owe them this money. they sent a a response ( Attached ) they sent a paper with amounts they say i owe. i sent another letter XX/XX/XXXX. asking for proof i owe and i got the same response ( Attached ) i feel my rights are being violated because nether them or the credit bureau, can send anything stating i owe this money. i sign nothing with this company and yet they keep it on my report please help i really need these items off of my credit report and this company just ignores me. also they have different amounts on their response letters ( attached ) Trinity Hope even told me i need to get the information i ask for from someone eles ( Attached ) thank you!
Consumer complaint received 2021-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-10-13
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still 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. THE LATE ACCOUNTS LISTED BELOW NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX Balance : {$660.00} XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXXXXXX XXXX  placed a hold on my Wells Fargo Credit card for {$280.00}. On XXXX the above mentioned credit card was charged {$84.00}, but the {$200.00} hold that was placed was never credited back to the credit card. 
I checked the account balance on the credit card daily. On XXXX I called XXXXXXXX XXXX XXXX to inquire about the missing {$200.00} credit. XXXX told me they had sent notice on XXXX to Wells Fargo to charge the credit card {$84.00} and to release the {$200.00} deposit. 
I then called Wells Fargo to inquire about the release of the {$200.00}. They told me that since no money transferred ( the {$280.00} hold ) that there would be no entry on my statement. However the balance didn't show any credit what-so-ever. So, I in turn am out {$200.00} because the hold was not entered and I am being charge interest on money I do not have. 
This is just plain wrong. If a hold was placed on my credit card that should be reflected in my credit card statement as I could not access those funds. 
I would appreciate your help with my problem. Should you need any more information please let me know. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-13
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. (NY)

Equifax has provided reports to my creditors stating that my credit file includes serious delinquency, judgment or collections activities. I ordered my file from them on XX/XX/XXXX and confirmed no such info was present. Thereafter I was advised by reports from XXXX and XXXX that reports received on XX/XX/XXXX and XX/XX/XXXX still reflect that negative reporting. I have called them and they referred me to contact those creditors to dispute. On XX/XX/XXXX I requested a copy of my Equifax score. It notes code 202 one or more major derogatory events on my file. Today I worked with a representative at Equifax for an hour and a half before he disconnected me. He continued to try and assert that the note must reflect credit utilization. I advised that it didn't because that is referenced in code 178. He found no negative information on my file and disconnected the call when I requested a supervisor.