davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
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. (CA)

Four years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ASAP Credit Repair (AK)

This is the second complaint I will be filing on this same issue. I tried to resolve this issue with the owner after the first complaint was filed with no results. After he received it he contacted me and asked how he could make it right to me. I told him all I wanted was for this negative item to be removed from my credit report from XXXX XXXX and XXXX. He had already successfully gotten it removed from XXXX. This item was intentionally left on my credit report after 2 rounds of dispute letters so that he could sell me another 2 rounds to get it removed. After a 3rd and 4th round the item is still on my credit report. I received an email from him stating that on XXXX he had filed dispute letters with all three bureaus to get this item removed to resolve this. Once again he lied to me and never filed any dispute letters with the bureaus like he told me he did in the attached document. On XXXX I contacted XXXX  and XXXX  and they both told me that the last time a dispute was received on this item was XXXX. I contacted them again on XXXX this time from my lawyers office so he could listen to the conversation on speaker phone and hear and record the response and once again they both said the last time a dispute was received on this item was XXXX. I have recently been turned down for a loan in the amount of XXXX because of this negative item on my report that the owner does not want to make a good faith attempt to remove like he tells me he is doing in emails. See attached documents. This is the second time in a row that i have been lied to by this company telling me that they are filing dispute letters on my behalf when in fact they are not. See the attached document and refer to my first complaint that i filed on this same issue..
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (MT)

On XX/XX/2022, I was informed by my employer, XXXX XXXX, that a letter from Nelnet was sent to their office for me regarding a possible student loan debt. This is an invasion of my privacy as well as harassment at my employer 's corporate office. I live in Montana and my employer 's corporate office is located in New York XXXX. There is no reason to send my personal mail to my office where I can not receive it. It is clearly harassment and needs to be stopped.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (OK)

My name is XXXX XXXX. I have made several complaints against this bank about their discriminatory practices in which I have requested they train their staff in treating other person of other races in spite of their national origin and accent the same way as they treat Americans. I am a naturalized American but I am an American in name but in reality with this bank I am treated differently.

I called this bank on XX/XX/18 to make a transfer on my account from my experience and in my discussion with other friends of mine that are Americans. To speak to a representative after you put in your account number and your pin through the automated system all the representative has to do is ask you your name and do whatever transaction you want to do. The call I made to this bank was around XXXX and XXXX XXXX on the XX/XX/XXXX. I think if I can remember I spoke to one XXXX she asked me my name and I provide that and she wanted to further ask other questions which I refused. I requested to speak to a manager who I think her name is XX/XX/XXXX who said what the representative did was right and she could ask further questions apart from my name. I think they are applying standards higher for me which they do not do to Americans and I know it is because of my accent and national origin. I think this discriminatory practices should be checked and same standards should be applied to every body regardless of nation origin and accent
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MN)

I had a XXXX XXXX XXXX that was changed to a gap barclays card in XXXX. I had one revolving charge to XXXX for a subscription service. I was told to pay off the balance on the gap visa as it would change to XXXX. My account statement was zero except for the reoccurring XXXX prime change. I changed the credit card to pay XXXX via a different card so as not to incur charges on the closing card. Barclays still changed me for the month of XXXX even though I had already paid it. They said XXXX must have taken 2 payments. All of my records do not support this and I called XXXX and there payment history was correct and I had made the XXXX payment with a different card. I have called Barclays 3 times. In XXXX, they told me the charge would be removed on the XXXX statement. In XXXX, I was told the statement would be zeroed as was correct on the XXXX statement. In XXXX, the statement now has added late charges. I had to speak to 3 people, which included being disconnected and sent to a number that someone in the background was not speaking to me and when they did I couldn't understand them. The story changes each time and I feel this company is running a fraudulent service and they are cheating people out of their money. I think most people would let this go, but I was very careful and have always taken care of my charges. What is going on with that company. There is really no assistance and I have had 2 assistants tell me it was resolved and now the third is saying that XXXX was paid and would need to reimburse them. This is not correct and even the statements don't hold up to this last persons information. Wouldn't the company talk to XXXX and resolve this? They told me I would need to talk to XXXX or just pay the difference. Something is rotten at this company. XXXX was paid by me and not by barclays. This is so not the way a credit card company should be run. As soon as this is resolved I will be closing this account.
Consumer complaint received 2022-07-03
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. (FL)

My complaint is about XXXX XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX XXXX on that date. Please launch an investigation into the XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2022-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (DC)

This is a follow up to Complaint : XXXX. As I have previously told XXXX ( multiple times ), I did not have XXXX XXXX and that information was never submitted or given to XXXX, thus I have no idea why they continue to try and submit a claim to them. I gave them the correct information for my health insurance at the time of XXXX XXXX XXXX of Rhode Island, as well as the images of for my health insurance. The creditor continues to incorrectly file with my insurance and is getting precariously close to having a formal complaint lodged with the Attorney General and the Department of Public Health.
Consumer complaint received 2021-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendUp Loans LLC (CA)

Repeated erroneous reporting of balances without providing 100 % accurate, verifiable information. 
Balance : {$1200.00} Balance : {$0.00} ( Payment Amount : {$680.00} )
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

MECHANICS BANK AUTO XXXX XXXX Account # XXXX The above account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-30
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. (NC)

On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.
Consumer complaint received 2022-07-03
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. (PA)

Trans union is showing credit inquiries that I did not authorized so they were acquired without my consent. These companies should have never been givin access to my credit profile
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2020-12-29
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 


INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-12-29
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. (TX)

XXXX XXXX should not be reporting to Equifax ; XXXX  and XXXX  a balance due in the amount to of {$4300.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have a daughter with special needs and I was forced to move to another home so I could provide her with her own bedroom. The complex I was staying at did not have any 2 bedroom apartments available. I provided adequate notice to the apartment complex that I was needing to vacate along with a letter from my daughters physician stating she needed her own separate space. ( I have attached a copy of the physicians letter dated XXXX for reference. ) The apartment complex manager assured me that I would be released from my lease and that no outstanding balance was due. I was also assured that they would not report this account to collections. They did not honor their word. I did not know there was an outstanding balance reporting until I obtained a recent copy of my credit report. This false reporting of an account with a balance is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX, I decided to refinance my XXXX XXXX XXXX, which was financed by Chase Auto dba XXXX XXXX XXXX, with a new creditor. The new creditor, based in XXXX XXXX, TX, advised on XX/XX/XXXX that they had mailed a payoff check to Chase, who also operates their auto division and receives payoff checks at a XXXX XXXX address ( i.e., USPS transit time should have been one business day ). 

In the final days of XXXX, I noticed that my Chase account was still open for this vehicle, and had not shown any payoffs come through. My regular payment was still showing due on XX/XX/XXXX, which I was counting on not paying due to the refinance ( which had its first due date of XX/XX/XXXX ). I contacted the new creditor several times and they confirmed that they absolutely sent the check on XX/XX/XXXX but it had not yet been deposited by Chase. 

On XX/XX/XXXX, I contacted Chase and asked why they were delaying the payoff. They rebuffed this, stating that they never received any payment from the new creditor, and the agent specifically told me on a recorded line that they " do not delay '' in processing payoffs and that the checks are processed the day that they are received. I asked for a supervisor who echoed the same sentiment and told me that there was nothing in the account history visible to employees that showed any mail being received from the original creditor. 

I contacted the original creditor again, who stopped payment on the original check, and overnighted a brand new one to Chase. However, on XX/XX/XXXX, I received a letter from Chase that stated that the original payoff check that they had apparently attempted to process on XX/XX/XXXX - before my XX/XX/XXXX call to them - had been stopped, and so my successful payoff of the account had been reversed. My online account balance showed that this was later corrected by the second check the new creditor had overnighted, which Chase only processed on XX/XX/XXXX - 10 days after it would have been received via overnight delivery on XX/XX/XXXX. 

The pattern of events shows that Chase XXXX representatives lied about two separate things during my XX/XX/XXXX call with them : One, that they had not received anything from the original creditor, which is now shown to be patently false by their own admission that they had a XX/XX/XXXX payoff check that had been reversed. Two, that they " do not delay '' processing payoffs and process them immediately upon arrival, when in both situations, there appears to be a lead time of 9-10 days ( the XX/XX/XXXX check took until XX/XX/XXXX for Chase to process ; the XX/XX/XXXX check was not processed by Chase until XX/XX/XXXX. Chase continued to mislead and send erroneous notifications by mail, making zero effort to expeditiously make contact with me via phone or e-mail about these events crossing one another, and deliberately lied to me during a due diligence inquiry via phone.
Consumer complaint received 2022-08-09
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)

After completing an investigation to an alleged bankruptcy record. Equifax certified that the record was " Verified as accurate ''. I have contacted the data furnisher ( XXXX XXXX ) for an updated consumer report showing no bankruptcy record. Please see the attached full consumer report dated XX/XX/2022, page 52 under " Bankruptcy Records ''. In addition to this new file, I have attached the letter from the Bankruptcy Court who has certified that they " Do not report filings to CRA 's ''. I am demanding the removal of this record in accordance with 15 US 1681i. Equifax has failed to provide proof of the accuracy and completeness of this record, and therefore it must be removed. Equifax claim of " verifying '' this record with said data furnisher ( XXXX XXXX ) has been proven to be false.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (WI)

Hi, On XX/XX/2022 I was charged {$19.00} by Equifax. I tried ending the trial online but I guess it did not actually go through the day before. When I called on XX/XX/XXXX around XXXX I was on the line for about 25 minutes with a very rude agent named XXXX who said I could not terminate my account subscription and that I would have to wait until XX/XX/2022 for the subscription to end. Due to personal reasons I needed that money and could not continue with XXXX subscription, it's too expensive, plus my XXXX XXXX credit card already has a monitoring service for free. I asked to speak with a supervisor and was hung up on. I called back and spoke with another agent around XXXX and she asked her supervisor who declined to refund me and terminate my subscription on the same day I was charged. I made it very clear I would not be using this service at all for the next 30 days and that I should not be billed for it if I do not want it. It got charged the same day and I did not want to continue with this. I did not want the service. I told them this. I will be disputing with my bank. They said its fine and did not care, I've never experienced something like this.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-08-16
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. (CO)

In XXXX I initially filed a complaint with the CFPB, number XXXX. 
In the complaint I argued that Equifax took longer than 30 days to verify a negative item on my account. In fact, right now we are at 8 months and their investigation still shows incomplete. 
I filed complaint XXXX with the CFPB, and Equifax said they would look into it. 
One month later, Equifax responded. 
They didn't disagree with my complaint at all, and further said it was removed from my account and no longer affecting my credit. 

This is another bold face lie from Equifax to further distance themselves from any culpability and financial responsibility. This is another disgusting abuse, that is absolutely illegal and protected by the CFPB. 

Equifax needs to immediately remove this negative item from my credit report. They can't act as judge, jury, and executioner when they are in the wrong and committing illegal acts.
Consumer complaint received 2019-01-07
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. (VA)

There is a balance of XXXX from XXXX XXXX ON MY XXXX MY EQUAFAX AND MY XXXX CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I  RECEIVE ALERT FROM XXXX  THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX  PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.