davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
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: Experian Information Solutions Inc. (ME)

After 2 investigations by the credit bureau 's, the information on my credit report is still incorrect. On the XXXX XXXX XXXX, acct # : XXXX, the close dates are incorrect. Because of this, the account listed above must be deleted. I have enclose supporting documentation.
Consumer complaint received 2022-11-18
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)

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 Acct name : XXXX  ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX XXXX ( closed Accounts ) Acct name : XXXX XXXX ( closed Accounts ) 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2016-08-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SET Financial Corporation (SC)

I live on XXXX. Set Financial has been calling all my contacts even after I told them not to. I am 3 payments behind and is having financial and health issues. I had like 10 texts on XXXX XXXX. I am getting rude calls from XXXX, SC. Please help back them off
Consumer complaint received 2016-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I checked my credit since my wife and I are looking at what it would take to get a house next year in the XXXX. When looking at the Equifax report in early XXXX I noticed a card on the report that was not mine. I disputed the item with Equifax , who then a month later said that they had verified the account and that it was " mine ''. I called the Bank and they claim that I do n't have an account with them, yet Equifax insists that I do.
Consumer complaint received 2023-03-28
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: SYNCHRONY FINANCIAL (CA)

About a week ago I saw my credit score had reduced. XXXX shows this hard inquiry fromSynchrony Bank, who service some types of Amazon credit cards : Name : SYNCBAMAZON Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called Synchrony Bank, who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called XXXX, who claims that is impossible, and that if the hard inquiry exists, it was from Synchrony Banks systems. The rep straight-up said Synchrony Bank is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from Synchrony, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your AMAZON STORECARD online credit request. 


Hi XXXX, Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services -- -- -- -- -- -- -- -- -- -- None of this could be verified in my call to Synchrony bank. They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/2022 while I was taking a vacation in XXXX, I had made a reservation on the rental car with XXXX XXXX XXXX. All reservation was conducted on the cell-phone and the documents were sent on the phone ( photo ) that were included Thai Driver License and Citi XXXX XXXX but the card security code ( XXXX digits code ) and the billing address did not include. Both information did not being sent to the rental company because I did not authorize the card to be charged. in order to hold up the car, the compay requested for payment that I had authorized only XXXX time charged in total amount of XXXX ( {$460.00} ). The itemization is listed below. 
Rental fee XXXX, this amount will not be refund. 
XXXX XXXX, this amount will be refunded after the vehicle is returned. 
XXXX XXXX XXXX The contract was sent via cell-phone which is unreadable, therefore, I did not sign the slip and not authorized for second charge ( {$1000.00} ) and insisted that contract and both charge will be authorized and sign at the office after reviewing of the contract. 
I went to office but there was on XXXX in the shackle building with the tall grasses and cats ran around, therefore, I left the office and cancelled the reservation. However, company was refusing and the depute has been filled, after all attempt many times, Citi XXXX final resolution award the rental company for both charges of {$460.00} and {$1000.00} in XXXX that XXXX ) Charge Slips were never signed, XXXX ) There was XXXX digit code given, XXXX ) No contract has been sign and no vehicle was taken, XXXX ) The deposit should be refund because the vehicle was never picked up. Please see the attached document.
Consumer complaint received 2022-01-25
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)

Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NC)

I have a Chase Freedom XXXX XXXX card and have been a member since XXXX. On XX/XX/XXXX I made a payment online paying the entire balance of my credit card. Online it states that I made the payment on XX/XX/XXXX. On XXXX XXXX I went to use the card for a very small purchase and it was declined. I called Chase to ask why, when I had just paid off the balance of my card. They stated that because I made a large payment to my card that they had to do a background check on me before they released the funds to the account. Online it already showed that the balance on the card was XXXX. I had already received notice from the credit bureau that the XXXX dollar balance had already been reported and that my credit score increased as a result. XXXX XXXX XXXX had already drafted the funds from my bank account and sent the money to Chase. Additionally, I have made a payment to XXXX XXXX in a higher amount than the payment I made to Chase, and XXXX XXXX applied the payment the next day and gave access to the credit line so it is unacceptable and predatory business practice for Chase to delay. Several agents told me that I just had to wait until Chase completed their background check and that the credit line on the card would be available on XX/XX/XXXX. On XX/XX/XXXX the available credit still shows as XXXX so I called again. At this point, I was told that Chase was still processing the payment and that I should " check back from time to time sometime in the afternoon ''. This is unacceptable and predatory business practice and undue delay in access to my XXXX credit line with no proper explanation.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NC)

I purchased a vehicle on XX/XX/2021 and it is financed through Westlake Financial. I also purchased an extended Warranty. The transmission went out in the vehicle and the compressor was damaged as a result. When I attempted to use the vehicle extended repair I incurred over {$2700.00} worth of out of pocket expenses. The warranty has a cap on the hourly rate for labor, they dont pay taxes, they dont cover the compressor which had metal shavings in it as the result of the transmission breakdown damage. None of this information is in writing in the warranty contract. I was always told if it is not in writing that does not exist. My understanding is that in purchasing the contract if I followed the conditions the items listed in that contract would be covered. While the warranty company is secure one, I purchased it through Westlake Financial. Westlake refused to assist me in any way and also has refused any payment arrangements since I have to try and pay for the repair and the car payment has now come due. I had the vehicle a little over 30 days and Im looking at negative impacts to my credit and finances with no relief available as a consumer
Consumer complaint received 2022-08-17
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. (TN)

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE  EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Consumer complaint received 2018-05-26
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. (NY)

On XX/XX/2018 I am getting hit with a hard inquiry from XXXX I noticed this on my XXXX XXXX account. I did not authorize any inquire had XXXX department store. This was fraud and not authorized by me. I had called XXXX to tell them about this fraud and asked them to remove inquiry as I never went Into any of there stores or any of there outlets to try and get a XXXX card. 

XXXX had said this shouldn't be a problem and that a rep would get back to me in 24 hours which never occurred.
Consumer complaint received 2022-01-25
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. (VA)

All three major credit bureaus continue to report a bankruptcy on my credit report. The information is inaccurate and I can not get it deleted. I have attempted to dispute with the three major bureaus, they pass me to the data furnisher ( XXXX ) XXXX XXXX then passes me back to the court, the court refers me to the credit bureaus. 

It is a horrible circle and very frustrating. I just want the bankruptcy and accompanying erroneous information about me deleted. The XXXX was never filed, yet they continue to report that it was on my wife and my credit reports. 

Please help us.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

I don't waste my time contacting Wells Fargo 's card dept. anymore. The calls always end up at corporate with my complaining, because the people they hire are dangerously uninformed, ill trained and inept! So I figure I'll do it this way. When my account balance goes over the limit they report it so fast it'll make your head spin! When my balance is under the limit they take too long to report it like now. I made a payment to bring down the balance on XX/XX/22 for {$210.00}. That payment is not reflected on the report I ran today. I paid on my other credit cards and the payments have already posted and updated. What is XXXX problem? One of my lender 's expressed disdain for them due to their repeated horrible customer service. Couldn't agree more! I made yet another payment on XX/XX/22 which was sent to them today. It won't show up until XX/XX/22. However, they won't report it to any of the bureaus for 60 days! They have been charging me a cash advance fee for 2 years on {$100.00} advance! They try to keep justifying it but it's XXXX and they know it! 2 years charging a cash advance fee expresses their greed and law breaking. The Comtroller of the Currency is too friendly with them so they're a waste of time. As long as I have a balance they'll keep charging me the fees monthly and continue to be uber slow to report to the bureaus the positive info that they fail to do timely. If my other creditors can do it quick why can't they? They're a much larger corporation than those banks are. This just speaks to why no one trusts this bank, and why their customers hate them. Because of them my scores remain low due them leaving negative info on my report longer than positive. I've not had too many instances where they've not been paid on time and there are NO XXXX  day lates of any kind on my account! When I am a little late paying they call me repeatedly daily. When I need help from them with questions or whatever they don't assist but give me a hard time or force me to have to complain to corporate who also really doesn't do much. It's an across the board problem with this bank. I don't foresee them ever getting better. Its gone downhill fast ever since XXXX XXXX was forced out.
Consumer complaint received 2019-12-17
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. (VA)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2016-11-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I disputed a public record that reported a TAX LIEN on my credit file by Equifax. I provided them with a letter that said I had never a tax lien from the state of Wisconsin workforce development, workers compensation division. Equifax refuses to remove error from my credit report, stating the information they received supersedes any information I provide them.
Consumer complaint received 2023-01-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA (GA)

I reached out to XXXX XXXX XXXX XXXX XXXX and Kia Motors America in regards of my fraudulent contract I signed for my XXXX XXXX XXXX. Under the federal law, it states these dealers can not mix cash with credit. I paid him XXXX in total for my down payment because my credit was not as great as I was told by the dealer. Reading the contra the bank gave me a loan for the amount of my car and insurance. I was demanded to get separate insurance and I was not offered insurance within the contract but the contract says not N/A. Which is also false and fraudulent. I have my contract, documents, and payment proof that I paid for this car. I demand my titles to my car that I also paid for in the contract that I did not receive. I demand my car be paid off and marked XXXX good standing to all credit agencies. I demand my cash down payment I paid to XXXX XXXX XXXX in Tennessee. I also demand my debit/ credit Car payments back from Kia Motors Finance XXXX
Consumer complaint received 2022-08-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Consumer complaint received 2020-01-03
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. (MO)

I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX didn't give Creditor my Score.
Consumer complaint received 2022-01-25
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: Exeter Finance, LLC. (NJ)

Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-16
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. (IN)

Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are XXXX XXXX XXXX I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Upgrade, Inc. (CA)

Company Name : Upgrade Inc.

Company website : www.upgrade.com Company profile : Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by XXXX XXXX XXXX XXXX type : XXXX, XXXX company I opened a reward checking account with Upgrade Inc. on XXXX and on XXXX, I received an email from them saying my rewards checking account has been suspended and debit card was closed. When reaching out to their customer support for account closure reason, they just told me it is the underlying bank decision. I was also told the account closure may take 60 days. 

At the time of the account closure, I have {$1400.00} balance on my account and I also earned {$68.00} in the month of XXXX. 

It has been XXXX weeks since my account closure and I have had ZERO communication from the company regarding my account balance. 

I know these XXXX company always say they are NOT a bank so they don't need to follow strict banking rules. When dealing with consumer asset, they have more leeway on whatever they want to do. 

I want to make other consumers and CFPB to be aware of the situation so they don't fall victim of such treatment. 

I would like to get an explanation on why it is taking so long to get a refund check when consumer account is closed by the XXXX XXXX and how much longer I should be waiting to get my balance back.