davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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. (VT)

In XX/XX/XXXX I filed a dispute of information on my XXXX XXXX account in collections through a credit bureau ( experian I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that XXXX is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called XXXX  and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

I opened an HSBC Premier account in XX/XX/XXXX. 
HSBC agent called me and told me this morning ( XX/XX/XXXX ) that I'm not qualified for HSBC {$600.00} Bonus because I had a savings account in XXXX. HSBC policy for the {$600.00} is : Customers who held an HSBC consumer deposit or investment account from XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. In my opinion, a savings account is not considered to be a deposit account, but a checking account is a deposit account.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1200.00} XXXXT XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ) XXXX {$250.00}
Consumer complaint received 2021-11-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LDF Holdings, LLC (FL)

On XX/XX/2021 One of XXXX XXXX XXXX 's " employees '' XXXX?? contacted me about a debt that I owe. After trying to ask numerous questions about the Debt and your company she got rude, ugly, nasty, belligerent, screaming and using ugly language to me and talking to me like I am just XXXX. She also gave all my personal information out to someone who called on my behalf without any consent on file. Please contact me please and thank you. I have filed a formal complaint with them but what if this lady is in the chain of commands and gets ahold of my report. I do not want her treating anyone else like she treated me.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

My credit report has an account on there that should have been removed. It has been over 7 years and they have not removed this account. Also, there is a credit account that is missing. I have an account with my wife ( XXXX XXXX ) and XXXX chooses not to list this account. The first account has two charge offs for one account and ( XXXX  ), this does not make any sense to have two charge offs on one account. This is affecting my financial life in this crisis. They have reduced my credit score by 100 points and when I try to resolve they did not.
Consumer complaint received 2023-03-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (VA)

My XXXX XXXX with XXXX XXXX covered the entire XXXX for XXXX XXXX XXXX of 3 dose series. I only had to pay {$8.00}. Credit Collection Services sends me a bill stating I owe {$470.00}. The vaccine was already covered in full by the insurance of XXXX XXXX with XXXX XXXX. The excessive charges is inaccurate. According to XXXX XXXX XXXX it was overpaid, and in the negative.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

The former name " XXXX XXXX '' or " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' should not be listed in my credit report as a former name used. I have never used the last name " XXXX ''. My credit report should only disclose my current legal name as XXXX XXXX XXXX, my former married name as XXXX XXXX XXXX, and my maiden name, XXXX XXXX XXXX, as these are the only names I have ever used.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

I have disputed with Equifax several times and each time they have given me proof on how they verified or validated the accounts that I have disputed. I have requested original documentation with my signature on it and they have not done so. Under FCRA LAW I have the right to request that information and they are not allowed to report any item on my credit report that can not be verified with the original contract with my signature on it.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

This following account is on my credit report from Equifax via XXXX and I have no knowledge of it. 

XXXX ACCT # XXXX {$64.00} I would like this erroneous information removed from my report.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was looking at my report and I notice that there were some things that were not correct. I sent a letter to Transunion on XX/XX/year>. It has been more than 35 days since the credit bureaus haven't responded. This is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of in formation contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On or about XX/XX/XXXX, I opened up a line of credit with formally known as XXXX XXXX but now XXXX XXXXXXXX XXXX for XXXX. XX/XX/XXXX, I refinanced my home with XXXX XXXX XXXX and paid off the line of credit and was closed. See attached closing disclosure from XXXX. XXXX XXXXXXXX XXXX has been informed to remove the false information off of my credit reporting. I sent a certified letter to the XXXX major Credit bureaus requesting " Validation '' that is competent evidence bearing my signature, showing that I had another contractual obligation with a loan in the amount of {$9200.00} and/or {$10000.00}. That I have or ever had some contractual obligation to pay XXXX XXXX. Please also be aware of any and all negative marks found on my credit reports ( including XXXX and XXXX  ) dealing with XXXX XXXXXXXX XXXX for debt that I don't owe, is a direct violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you MUST request that all credit reporting agencies delete the entry. XXXX XXXXXXXX XXXX is being reported on my credit reports as an open account that is more than 4years late not 180days late that would require by law to go into the collection status and/or charged off. I have all records of my communications and all documentations that my account was closed with XXXX XXXX now known as XXXX XXXX XXXX. I have never opened another account with XXXXXXXX XXXX  and never with XXXX XXXX XXXX I have attached a copy of the false reporting from XXXX XXXX XXXXk on my credit reporting, My closing disclosure from XXXX and the letter from XXXX XXXX XXXX XXXX XXXX with simply a denial of dispute, not showing or proving any validation of the debt bearing my signature. The open date, history, highest balance, term, payment status, account status, days late on the credit reporting all are false and incorrect.
Consumer complaint received 2022-01-19
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. (DE)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX {$150.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$250.00}
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A. (GA)

I lost my job in XX/XX/2022, I contacted PNC to assist and they told me they couldnt I did fall behind on late payments. I now have a full time job and back to making my credit card payments. Im in good standing with my PNC and caught up on my late payments. I am asking that these late payments are removed from my credit report.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OK)

I sent {$600.00} via Zelle to a seller for XXXX tickets. The money was withdrawn from my bank account. The seller will not provide me with the tickets and will not refund my money. This was a scam, and Zelle will not reimburse me for this scam even though I have documented messages between myself and the seller requesting that the transaction be cancelled and my money refunded.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (MD)

Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX | {$0.00} 2. XXXX XXXX ACCOUNT # : XXXX | {$13000.00}
Consumer complaint received 2022-01-19
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. (IL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (GA)

Last year the car dealership repossessed my vehicle and I wasnt even late on my payment.. I always paid bi weekly on time. I was on XXXX at the time through my job due to a XXXX so after several months I let them no I will not be paying biweekly anymore I will be paying monthly. I made a full payment XX/XX/2023 with no late fee or anything I was in good standing. I informed the dealership I will be paying the full monthly amount in 30 days due to my income and they agreed to the changes. Two days before the payment was due I went outside to head to a doctors appointment and the car was gone. I couldnt believe my eyes. I cried all day because I couldnt understand how and why they would come repo my car and I wasnt even late. I called the dealership and they wanted to change me XXXX dollars for the tow. Another car payment and all these extra fees. I told them I couldnt afford that and I ask why would they take my care after we had an agreement on the due date. They left me with nothing except a tag to my car which was a XXXX. I was so relieved to see that other people had the same problem and it wasnt just me. Not happy to see other people going through this but knowing that I wasnt crazy nor in the wrong. Ive been through two XXXX XXXX since and mentally Ive been struggling after almost 6 months of car payments that was never late
Consumer complaint received 2022-10-04
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. (MI)

I keep complaining to the CFPB about equifax impartial discriminative acts and your guys aren't doing anything about it. I've made a couple complaints and stated the laws but you still let them violate my right as a consumer. According to CFPB consumer reporting in voluntary I never was asked to participate equifax assumed its role. They continue to report a XXXX XXXX, XXXX XXXX Bank XXXX and XXXX XXXX XXXX accounts on my report that says charge off. According to the IRS a charge-off is considered income. Its against the law to report income. Also they haven't verified anything with me asking me is that true, that is impartial and not fair. They also didn't conduct a proper investigative report because according to 15 usc 1681a ( e ) they should interview friends, neighbors and associates and they didn't. Also it says however such information shouldn't include factual information on a consumers credit record with such information obtained directly from a creditor. So if they're saying the information being reported in factual it shouldn't be on my report. This considered abuse and causing me paint and deceit. I'm not in a position to extend credit and its handicapping my life.
Consumer complaint received 2022-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/2022, I deposited a check into my USAA Savings account for {$11000.00}. Based on the fact that the funds reflected as collected on the 6th, I did a wire transfer for {$9200.00}. On the morning of the 7th, I called the bank to verify the funds had cleared into my account. The associate at the bank told me that " it was good '', I repeated " has the check cleared? '' and got a " yes it's good ''. Based on verification by the Bank, I was assured the balance in my account was good, as the funds covered the wire and showed a positive balance. If the money hadn't cleared, I wouldn't have been able to make the wire transfer. On Sunday the 9th I noticed a negative balance in my account, but the account also still showed {$7000.00} in it which was very confusing to me. I called the bank about this and the associate assured me that everything was fine and the check was good. The next morning there was a recall of the check and my account was - {$3700.00}. I reported the fraud to my bank, they attempted to recall the wired funds. The bank then froze my accounts and locked me out of them without telling me. When I tried looking into the case the bank told me it is their policy to clear funds at face value without collecting on the funds, therefore it is my fault for overdrawing the account. I did everything I could do to ensure the process was managed correctly, including calling the bank to verify the funds. They assured me the funds were good on multiple occasions. There was nothing else I could do to protect myself and my hard-earned money. I relied on my bank and they are now saying it is my problem.