davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Certegy Holdings, LLC (FL)

I have a checking and saving account with XXXX XXXX XXXX XXXX. I cashed five personal checks at XXXX located at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. The were returned by XXXX XXXX XXXX XXXX. Therefore, I was charged five returned fees in the amount of {$120.00} ( {$25.00} for each returned check ) and five insufficient fees of {$30.00} for each returned check by XXXX XXXX XXXX XXXX ( {$150.00} ). In the month of XXXX, 2022 ; the five checks in the amount of {$390.00} ( checks amount {$78.00} each ) and five returned fees in the amount of {$120.00} were paid. Also, five insufficient fees of {$30.00} for each returned check ( {$150.00} ) were withdrawn from my checking account by XXXX XXXX XXXX XXXX. However, On XX/XX/2022, five returned check fees of {$25.00} in the amount of {$120.00} from XXXX XXXX were charged to my checking account and insufficient fees of {$30.00} were withdrawn from my account by XXXX XXXX XXXX XXXX. I requested a refund from both companies, XXXX XXXX and XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX XXXX XXXX refused to give a refund. My checking account number is XXXX. XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX.
Consumer complaint received 2022-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX in XXXX I was granted a full discharge for the federal loans, but they are not discharging my private loans In the amount of {$15000.00}. I have called and spoke to several people to explain that the school was closed for fraud I have a full discharge. They refused to discharge my private loans. I am a single mom forced to pay almost XXXX a month on these loans. Please help me get them discharged.
Consumer complaint received 2020-12-07
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: SYNCHRONY FINANCIAL (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (KY)

My vehicle was repossessed by Ally auto company. They stated that I defaulted on my lone but they stopped taking payments in XXXX of XXXX. In XXXX of XXXX and again in both XXXX and XXXX of that year I was contacted by ally about a past due amount on my account witch I offered to pay in full all three months. All three time my payments offer was denied. They continued to take my monthly payments. Then suddenly in XXXX of XXXX they stopped. I didn't realize this until just recently. I had no notification that they were not taking the payments. On Monday XX/XX/XXXX of this year they repossessed my vehicle stating breach of contract for nonpayment. I have tried to contact them to find out what was going on and there reason for not take payments. I could get no answer after being transferred from department to department. It is apparently clear that the reason my loan went into default is there decision to stop taking payments. Not one person could answer why. When I got transferred the last time to the department I started with I was informed that suddenly I wasn't on the account.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax, XXXX and XXXX several times on many different dates due to my personal information being inaccurate. I have yet to get any results or updates. It has been a few months, this is frustrating. The wrong information is being reported and showing on my credit reports.
Consumer complaint received 2015-04-25
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CA)

It is impossible to fax or upload information for a FREE Freeze on my credit reports to the XXXX major bureaus without spending money. I am the victim of a crime and under the California laws it should be free for me to obtain a freeze on my Credit reports. I am uploading the police report with this complaint so that you can pass this information on to Experian, XXXX and XXXX. My credit is being destroyed by a gang of people in my town. My information was stolen by a youngster who I ministered to in my home. My social security number, copy of my drivers license, my bank account numbers, my will and all documents relating to my banking information was stolen from me including my health care information and credit cards. I submitted a police report # XXXX, but I can not afford to even mail this information to the credit bureaus right now. I need this freeze done right away. Why do n't they allow you to upload this to their web sites? I know they have the technology to do this. I want the FREE Freeze on all my credit bureau reports ASAP. Thank you for your help.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC (UT)

Capital Accounts is reporting an erroneous debt on my credit file. This debt is not only past the statute of limitations and past the credit reporting limit but also PAID. I have included a screenshot of receive payment for the debt they are reporting. Even if this debt was not paid the receipt has the date for the last received payment, being that it is from 2010 this account should have never been reported to my credit file. I have perfect credit and this collection dropped my scores significantly. I need this debt removed from my credit file ASAP.
Consumer complaint received 2022-07-27
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: EQUIFAX, INC. (TX)

I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (NY)

I have sent notices to XXXX, XXXX, Equifax about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit report.
Consumer complaint received 2019-06-07
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: Lending Club Corp (NY)

I have disputed, on multiple occasions, the two " Lending Club Corporation '' accounts that appear on my XXXX  credit report. My disputes have been in writing to the company and at least four of the debt collectors companies that have since purchased these debts. I furnished ID Theft reports and statements directly to the aforementioned businesses, and I have furnished the same details to each of the three credit reporting agencies ( CRA ). XXXX and XXXX  have both deleted these accounts from my credit reports. However, Lending Club Corporation continues to report these fraudulent accounts to XXXX. Kindly note that, the third of the three disputed ( fraudulent ) account, reported by an entirely separate business " Upgrade '' which I have disputed with all three CRA along with the two Lending Club Corporation accounts, no longer appears on any of my three national credit reports.
Consumer complaint received 2017-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (NC)

XXXX XXXX/XXXX/XXXX from XXXX XXXX. The creditors is reporting on my credit report as derogatory when it is not my debt and my daughter has XXXX. This is also a VIOLATION OF HIPPA LAW. My daughter indignation should not be disclosed to a XXXX party and this company is trying to collect when it had been paid my XXXX.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld calls me at both of my phone 2 to 3 times per day to threaten me about debts that both Transworld AND the original owner of the debt know was obtained through fraud. Neither the original creditor nor Transworld have been able to provide documentation for the debt that would stand up in court -- entries on a spreadsheet are not proof of a debt. Nevertheless Transworld routinely threatens legal action and habitually violates the FDPCA and FCRA.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CO)

I received a call from a XXXX XXXX with XXXX XXXX XXXX originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of Wells Fargo for a bank account of mine that was forceably closed in XX/XX/2009due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX XXXX today if I didnt resolve the issue. I had a checking account with WF back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with Wells Fargo. If I owed them money, they wouldnt have opened an account.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. 
I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2022-08-22
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. (CA)

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. I REACHED OUT TO XXXX, XXXX AND EQUIFAX TO DISPUTE THE INQUIRES AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. I HAVE FILED A POLICE REPORT AND FTC REPORT AND THE CREDIT BUREAUS HAVE FAILED ME. 

XXXX ON XXXX REPORT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ON EQUIFAX REPORT, XXXX XXXX undefined ON XXXX REPORT NONE OF THIS INFORMATION IS MINE, IVE DISPUTED IT SO MANY TIMES AND NOTHING HAS HAPPEN.
Consumer complaint received 2021-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

I have purchased a new XXXX XXXX from a local dealer in XXXX and sold the vehicle to XXXX in XX/XX/XXXX. XXXX sent a pay off check to Hyundai Motor Finance on XX/XX/XXXX and the check was cleared XXXX cashed out - {$11000.00} ) on XX/XX/XXXX but it was never applied to my account to this date. 
I have called HMF a total of 5 times to get this resolved. The first time, they requested the check number, amount, and a copy of check back and front. I got them the information they requested. My account has not been updated to this day ( XX/XX/XXXX ). I spoke with a total of 3 escalation point managers. The first manager that I spoke to on XX/XX/XXXX was able to locate the check and requested it to be applied to my account because she found the check was applied to a non-existing account that was one number away from my account. She issued a ticket to correct the error but it was not solved until I called them again today ( XX/XX/XXXX. ) They made a mistake by putting one number wrong. They started calling me two times daily to tell me that I'm behind on the payment and charged me a late fee. I made one extra payment on the loan. They have cashed the the check and currently have the fund and still hasn't applied it to my account and I'm about to make the second extra payment to prevent paying another late fee and being forwarded to a collection agency as they told me that they send it over to a collection agency once late payment is older than 30 days. 
I spoke with XXXX and they provided all the information that was related to the transaction and the account number on that check was correct. HMF made a mistake and hasn't admitted the mistake and instead they charged me a late fee. 
There was absolutely no way that I could speak with someone who had information related to my account whenever I made phone calls. I had to go through from the CS person and asked to escalate the situation up as their ability to research the check was limited and was not able to solve the issue. I had to spend at least one hour each and every time I called them to get to someone who could even search what has been going on with my account. This company 's customer service system was just a nightmare lacking communication within their system and the inconvenience falls on the customers. 
My personal note to the company - I have purchased a total of 5 new Hyundai vehicles in the past 10 years and will never do a business with them again.
Consumer complaint received 2021-08-09
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 — Investigation took more than 30 days
Company: U.S. BANCORP (TX)

Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). 

I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. 


They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for years.
Consumer complaint received 2023-02-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXV ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I disputed two items on my XXXX, Equifax and XXXX  credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to XXXX, Equifax and XXXX, on XX/XX/21.
Consumer complaint received 2019-06-07
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: EQUIFAX, INC. (MO)

After my identity was compromised it affected my credit file greatly with unauthorized accounts being reported on my file. I have asked for an investigation into this matter, and demanding the Method of Verification when doing so. Provide me with the names and titles and dates of those investigating this matter. I'm also demanding physical documentation as oppose to any electronic Verification inwhich can not be accepted as proof. And if this is not provided then you shall remove / block these unauthorized and unknown fraudulent accounts. 

Accounts 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX  3 ) Dept of ED/XXXX  {$7300.00} 4 ) Dept of ED/XXXX  {$5400.00} 5 ) Dept of ED/XXXX  {$3900.00} 6 ) Dept of ED/XXXX  {$3000.00}
Consumer complaint received 2019-06-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc. (TX)

I took out a personal loan on XX/XX/2018. Since this time, I have been paying more than my minimum payment. My minimum payment is {$760.00}. I paid {$800.00} all but twice. This allowed me to get ahead and have a lower payment the following month. I only took advantage of this twice, once where I paid {$65.00} less than the total and the other {$15.00} less than the total. This past month I noticed when I paid that it was the full amount. Nowhere did it say that a lower amount was possible. I just had XXXX XXXX XXXX and I was planning on paying less in XX/XX/XXXX, based on some of the bills I figured would be coming my way after XXXX. I called and was passed from one person to a supervisor named XXXX. She said that they had changed things so you could not pay ahead. This change occurred in late XX/XX/XXXX or XX/XX/XXXX. No notice was sent out, they just went ahead and made the change. And according to XXXX, there is nothing I can do about it. So I have been paying extra knowing that I had this upcoming XXXX and I might need a break. But this company decided to change the rules without letting anyone know. I am not sure how they are allowed to do this. I think this is unfair and right now if anyone asked I would definitely not recommend this company.
Consumer complaint received 2017-12-20
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. (MO)

There are four accounts listed on my Equifax and XXXX credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and XXXX has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XX/XX/XXXX and XX/XX/XXXX your XXXX collections account was removed from your credit report. My credit report dated XX/XX/XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time
Consumer complaint received 2019-06-06
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. (NC)

In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my report.