davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

XXXX account on my experian credit report was schedule to come of my credit report XX/XX/XXXX and experian refuses to remove it from my credit report I also attached a previous experian credit report form XX/XX/XXXX showing that XXXX account was schedule for deletion on XX/XX/XXXX
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-09-30
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2017-04-27
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. (TX)

I spoke Equifax about an dispute I have with an account. I sent information that proves tn sate law validates my dispute ( landl ord tennat act ) .I asked Equifax to prov ide me with details as to how the company carried out a reasonable investigation as per FC RA sect611. I ex plained the law required the reporting agency to do a reasonable investigation at my request. Equifax explained they have no regard for the law. I was told the company does not investigate but sends the dispute to the credit collection company to verify. I explained that this is a violation of sec 611. Equifax, was very negligent and has not regard  for Federal Law.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX 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 a account without my written instructions
Consumer complaint received 2016-12-07
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: ALLY FINANCIAL INC. (TN)

I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.
Consumer complaint received 2016-01-27
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Clarity Services (CA)

Clarity Services inc. called my cell phone and my job and said I requested a payday loan. I spoke with them directly on XXXX/XXXX/16 and told them I never applied for this loan. I was notified by my credit monitoring service that I had a new credit inquiry on my report. I never applied nor authorized any from this company to run my credit.
Consumer complaint received 2016-09-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

I leased a vehicle from Ally Finanical. I never missed a payment, nor was I every even late with a payment. At lease-end, I was told I the vehicle inspection would occur at a later date and I would be informed of the findings. Due to the inability of the company to inspect my vehicle at the time that I was returning the vehicle, I was not able to correct one small issue with the return, the charger was not in the vehicle. In fact, I was not notified until I received a bill for the charger. I had returned the vehicle days before my required date, therefore, if the inspection had occurred in a timely manner I should have been given an opportunity to correct the oversight. Now, after talking with Ally, I have been getting nothing but poor customer service, or no customer service. I had requested to speak to a supervisor, only to be told that there are no supervisors. Additionally, I requested to be provided the information to contact their legal department, and was told there is no such thing. All I want to do is give Ally the charger, and be done with it.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TN)

This issue I have may be completely legal, bit if it is something has to change- the consumer is getting XXXX and probably not realizing it!! 
I have an auto loan with Ally Financial. I lost my job in XXXX and could n't make my car pmt on time, so I called them and asked what they could do to help me so I would n't get a late history on file along with the fees. They had an immediate offer to assist me. It involved making a partial payment which amounted to the interest portion of my car pmt, and I would then pay the remainder at the time my next pmt was due. They would then move the next o mt due to the end of the loan. I specifically asked was there any charge for this help, and they said absolutely not- and my credit would not be impacted. So, I get to the balance of XXXX pmt due date and go onlune to make that portion of my payment ... .where I find whilet looking at payment history that my principal balance barely changed even tho I just paid them {$490.00}. My normal amout of a given payment is approx {$340.00} principal and {$140.00} interest, but For this month it is showing {$51.00} going to principal and {$440.00} for interest!!!!! 
I called for an explanation and for nothing more than " that is a result of the arrangement you made last month. The reas in for the additional interest is simply the extra time involved in receiving your payment. 
Had they explained this scenaruo to me when I asked them for clarification last month about what additional cost would be involved I would never in a million years agreed to do what I did. 
I have an XXXX, and the difference between a normal intwrest portion of my car payment of {$140.00} and the {$440.00} charge for processing it based on delaying them getting dull payment for 30 days boggles my mind!!! 
If this is legal they should have told me about the additional interest cost when I asked them last month to clarify any additional cost other than moving one payment to the back of the loan- which in itself I relied would cost me additional interest on that money until th e account was paid in full. I 'm sure I 'm not the first person to ask for a banks help on making a loan payment, but maybe the first to actually see what affect it had on my principal balance of my car loan. How on earth can this be legal?? 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PS..here are the exact numbers from my loan account with Ally : Payment on XXXX/XXXX/XXXX .... {$140.00} interest charge .... {$140.00} Payment made on XXXX/XXXX/XXXX ... {$340.00} intere as t charge ... {$260.00}, so total interest charge for the month was {$310.00}!!!!!! 

The previous month shows my normal payment of {$490.00} - interest of $ XXXX principal pmt was {$310.00} Do I need an attorney, or can someone in your organization help explain how this is possible?
Consumer complaint received 2017-03-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (PA)

My mother was a patient at XXXX a few years ago. 
I do not know why they are harassing me with her debt. I am not, nor have I ever been her POA or otherwise financially responsible for her bills. 
I have contacted XXXX a couple times after receiving threatening letters from them and have ademately informed them that I Am not responsible for payment of my mother 's bills. I Have let them know the same when they have called harassing me. They have fraudently gained my personal information and is threatening to defame my name with these fraudulent charges of my owing them a debt. I do not owe them a debt of any kind. I have never been a patient there nor am I financially responsible for anyone who was a payient there. They rudely keep saying they will remove my name and get this straight but it continues to exculate and I am being harassed more often and the threats are getting more severe.
Consumer complaint received 2023-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XXXX continued. 

Spoke with XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. 

I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed.

The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. 

XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. 



Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXXXXXX XXXX phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?
Consumer complaint received 2022-08-24
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. (NJ)

In XXXX I sent a letter to XXXX XXXX XXXX XXXX agency to inform them that I am not aware of an account with them when I noticed they were reporting on my credit report. 
Account was then sold to XXXX XXXX  in XX/XX/XXXX in which XXXX XXXX  claimed I owed them money as well. I explained to XXXX XXXX  that I did not have an account with XXXX  but XXXX also started reporting on my credit report. XXXX XXXX  is currently on my credit report twice with two separate account numbers for the same supposed original creditor ( in which I explained to them, that I have no knowledge of the original creditor ). 
As of today, XX/XX/XXXX, I have been contacted by XXXX XXXX services that they are now in receipt of the account from XXXX XXXX, in which again I do not acknowledge having received any credit from XXXX XXXX.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I created a coinbase account. 

I verified my identity, XXXX XXXX 

I did a XXXX currency recharge from my bank without problem. 

I made a change from XXXX XXXX XXXX without problem. 

Now they have my money withheld, they won't let me send the XXXX outside of Coinbase, they have restricted my sending, and they don't tell me why, they don't give me a solution, and they have my XXXX in their possession. 

Please help
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

This complaint is against XXXX and Equifax credit reporting agencies. After obtaining my credit report and reviewing the information, I noticed that on my XXXX and Equifax credit report they are both reporting public records of tax liens which should be a violation. As of XXXX XXXX, 2017, tax liens and judgements were no longer suppose to be reported. Considering that this information is no longer suppose to be included on my credit report I ask that this information be deleted in which it has yet to be deleted and is still showing up on my credit report.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

XXXX this account has been on my credit report for seven years now and is suppose to come off i disputed the item with Experian and they refused to remove it and i also called XXXX and an was told the credit bureau have to remove this from my credit file the first date of delinquency was XXXX 2008 seven years to my acknowledgement and what is highlighted on the file i attached on my Experian report your account that my be consider negative that this information is generally removed seven years from initial missed payment that led to delinquency
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

A representative is calling people who are barely acquaintances to me, including cousins I have n't spoken to in six years. There are at least three instances that I know of, and I 'm certian there are more. These people are being told that I LISTED THEM AS A REFERENCE, which is completely false, and being asked about my whereabouts. 

People I barely know are being contacted about my debt/credit problems, they 're being lied to, and my personal finance issues are being humiliatingly broadcast to virtual strangers. 

The name that the organization is giving to them is XXXX XXXX XXXX and XXXX XXXX XXXX, and the contact number is XXXX.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began i n  XX/XX/XXXX  orig inally for {$3900.00}, I have all the original paperwork for it. It was relisted i n  XX/XX/XXXX  at  {$1200.00} as a charge off and it still showing up.
Consumer complaint received 2017-04-27
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 (KS)

These accounts were all in default w ith 120+ l ates -- transferred and closed ... I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all ...  .Yet,  I have duplicate student loans on my report and it looks as if I had multiple loans and I had originally borrowerd {$3500.00} now my loans are totaling {$7500.00}. Now it looks like I have numerous loans and I do n't.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

I've been XXXX XXXX thru PayPal as a XXXX XXXX and I've had an incident where someone would buy a specific item like a XXXX XXXX XXXX XXXX and file and refund claim thru PayPal stating that they never received the item or stating that the item is not as described which PayPal would be on the buyer 's side even if there wrong and receive a full refund and I would have to pay charge back and this incident happen twice which had gotten my PayPal account permanently banned for fraud activity The first incident happen on XX/XX/2021 refunded {$340.00} Second incident happen on XX/XX/XXXX refunded {$520.00}
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (WI)

Hi I have a dispute with Ally Financial we traded in our lease car at XXXX XXXX and bought a truck they let us out of our lease early and added on our new loan. We did this on XXXX XXXX, XXXX called them and got the pay off and everything was ok. Now Ally is saying we owe them over XXXX dollars because we still own the car we faxed them everything they needed we do n't own the car anymore first Ally said we needed to sign a paper because my husbands name is still on the title so we took care of that then they call us and say we are behind two payments because we still have the car and we did n't they say they still need more money that the pay off was wrong. Not our fault they have everything they need and wo n't close our account we were never late with our payments we traded in the car before our payments was due now my credit is taking a beating because of this I will never deal with XXXX or Ally ever again because the car dealership is not helping us either. I do n't know what to do next can I get a lawyer on this at what type of lawyer. and how can I restore my credit from this it is Two months now and nothing we do is working with Ally.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The Equifax credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points  difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. Thanks!
Consumer complaint received 2017-09-26
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. (CA)

Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.