davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENOVA INTERNATIONAL, INC. (CA)

NetCredit is a company that take advantage of people ... they approve your loan on line then hit you with 98 % interest ... all od course in small print..then charge you 2x a month. I took a loan out for {$6000.00} ... once I found out the loan was to be taken out of my checking account 2x a month ( XXXX ) I called and asked them to adjust to 1x a month ... they said they could n't do ... this was the biggest mistake I have ever made to take a loan out out with them ... I was unable to pay and got in touch to work something out ... they sent gave me minimal options and then sent a letter saying that I can pay off the balance which now is {$7800.00} ... of {$190.00} 2x 's a month???? I had been paying the monthly for a year at least??? and now I owe XXXX more??? This is a company that the goverment should look into ... they are sharks!!!! 
I would recommend that people stay away from this company!!!
Consumer complaint received 2021-03-14
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. (NY)

I have been submitting disputes for SEVERAL MONTHS NOW against the accounts that these three bureaus keep posting in my credit report. I have reason to believe that these accounts are all INACCURATE and UNVERIFIED information but they keep showing up in my report. They have not shown any legal evidence to prove that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I asked for legal advice and was informed that what they are doing is against my rights and is not compliant with the FCRA/FDCPA. This has been causing me tremendous stress and mental anxiety, not to mention FINANCIAL concerns especially in these times of pandemic. They have not been very helpful in resolving these matters and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later and thus, the main reason for me giving them, literally, ONE MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me to shed light to them regarding the matter. Thank you and hope to hear from you soon!
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I have an authorized and fraudulent inquiry listed on my Experian Credit Report. The following inquiry is fraudulent and unauthorized : XXXX Credit/XXXX. Further, I have addresses listed on my credit report that do n't belong to me. I have never lived at the following addresses and I want the addresses deleted immediately from my entire file and credit report : XXXX XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2021-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

The company claimed they would followup with me. They have not. I filed another claim and you said I was not a customer. Attaching my order history and communication with your company here. You can not escape accountability for your horrid customer service.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (GA)

Attn : Office of the CEO - Wells Fargo I've always paid off my balances in full with Wells Fargo. I hardly carried any balances on my card or any other credit cards. I received offers for a 2.9 % balance transfer rate through Wells Fargo bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 2.9 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Wells Fargo XXXX and for which they charged a fee. It was then surprising to notice today that my credit line was being reduced to what the borrowed amount was. By doing so, my credit utilization has significantly dropped, despite me paying more than the minimum each month and well ahead of my XX/XX/XXXX date to payoff. This will indicate that I have a high utilization and a credit risk, whilst Wells Fargo forces me to pay off the balance to lower my utilization. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through XX/XX/XXXX. I am requesting Wells Fargo to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions is the reason I took the advance, understanding the time value of money. This should be done immediately and my credit report updated accordingly.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Servatus Corporation (MD)

A review of my annual credit reports disclosed a debt being reported from a Credit Solutions Corp in XXXX XXXX, CA. The debt collector has falsely reported information to the credit reporting agencies. A collection account is being reported as an open account and the type of loan as a factoring company account ( debt buyer ). Furthermore, the collection is being reported as a high credit of {$200.00}. The term frequency is monthly ( due every month ). The date opened is being reported as XXXX XXXX, 2015, and the date reported as XXXX XXXX, 2015. The date major first delinquency first reported is XXXX 2015. In related CFPB case XXXX Credit Solutions Corp indicated the debt would be referred to the original creditor and they would notify the credit reporting agencies to remove the trade line. However, a review of my credit reports indicate the debt is still being reported by Credit Solutions Corp as a trade line and/or collection item and has not been deleted. It also appears several different addresses are associated with their collection agency in order to prevent consumers from disputing debts.
Consumer complaint received 2021-03-11
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. (NJ)

i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so
Consumer complaint received 2021-03-11
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. (DE)

Hello I Submitted 3 credit report error disputes on XX/XX/2021 to XXXX, exquifax & XXXX my disputes included inaccuracies on my credit reports! 
it has been over 30 days!
Consumer complaint received 2021-03-11
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. (FL)

I have 2 accounts that i had exceptional payment history with and During Covid I received a couple late payments that were not due to my fault at all ( and I am not saying latenesses were because of Covid ). It was an issue on the bank or lenders side. This has crushed my credit. I tried to contact them multiple times directly and through the credit bureaus. They removed 1 late payment, while i am grateful for this, i still want all removed because it was not my fault. It was a glitch within their systems that they admitted to.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Tesla, Inc. (MA)

On XX/XX/XXXX, I traded in a leased XXXX XXXX  XXXX ( XXXX ) to Tesla Motors in XXXX, MA. Tesla was given and accepted the vehicle, along with a then-current buyout balance of {$45000.00} payable to XXXX XXXX. 

On XX/XX/XXXX, I became aware that my account with XXXX XXXX was delinquent because Tesla never sent the payment to XXXX ( or sent it to the wrong address, as they allege ). 

Due to Tesla 's mishandling of my trade-in 's buyout, my XXXX XXXX account has accrued additional balances and aging that I feel are not my responsibility.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Reliant Capital Solutions, LLC (CA)

Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started. 

This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports. 

As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.
Consumer complaint received 2021-03-11
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: AMA Advisors, LLC. (GA)

Home Bridge Financial Services Re UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 The above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. 

THIS INQUIRY ran ON XX/XX/2020 is impacting my credit and am unable to obtain needed credit. 

XXXX***I RESPECTFULLY ASK, REMOVE THIS INQUIRY FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****
Consumer complaint received 2022-08-25
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. (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Consumer complaint received 2021-03-10
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. (KY)

My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.
Consumer complaint received 2022-08-04
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. (FL)

On XX/XX/2022 Experian stated they updated an account that I have been disputing for over 3 months, how is that possible when they did not do an investigation? In fact the status on my report shows it has not been updated since XX/XX/2022, however I received the update notice on XX/XX/2022 ( 5 months later ). There is INCORRECT information on my credit report SHOWING THE ACCOUNT IN QUESTION INCLUDED IN A BANKRUPTCY, BEING 30 DAYS LATE TWICE IN A ROW AND MULTIPLE CHARGEOFFS ( all not reporting 100 % accurate as required by the FCRA, and ILLEGAL UNDER THE BANKRUPTCY CODE. since more than 30 days has passed since this account was updated Experian is required under the FCRA to remove the listed below or I will seek monetary damage of {$1000.00} per violation. Enclosed is proof Experian continues to violate my rights under the FCRA. Account XXXX : XXXX XXXX Account Number : XXXX.
Consumer complaint received 2020-04-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

I initiated an instant transfer from my XXXX account to my Wells Fargo account in the amount of {$3.00} on XX/XX/20. XXXX indicated funds availability on XX/XX/20. The funds were delayed by Wells Fargo and not available until XX/XX/20.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I have disputed the information and dates relating to a XXXX collections account on my report from XXXX XXXX XXXX and despite showing them previous credit reports that XXXX illegally re-aged my account, they verified it as accurate. My current credit report shows that a XXXX collections was opened on XXXX XXXX, however, I have a credit report from XXXX XXXX that shows XXXX was in collections from XXXX and charged off in XXXX XXXX so they have re-aged the account and should be removed for illegal practices.
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (FL)

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

On XXXX XXXX I visited BestBuy store in XXXX XXXX and made purchase of two items total value {$68.00}. I used my Credit card to make the payment and the payment went through and was posted on my Credit card too. I didn't use my bestbuy credit card for that purchase. While reviewing the monthly statement of both card ( bestbuy as well as the card which I used to make the payment ), I see that in bestbuy credit card which is control by CITIBANK it should outstanding amount of {$68.00} whereas in my creditcard with which I made the payment, it shows the payment was made. 

Later in the month I started getting continuous call from CITIBANK managing the bestbuy card for the latefee plus the outstanding amount which I need to pay. I kept on telling them that this is the issue of double charge. This again started getting reported to all the 3 credit bureau and impacting badly on my credit score. I called the Bestbuy provided number every month starting deceber 2020, stayed on the call ~50 minutes telling multiple agent what happened but no resolution. One time they asked me to fax the statement copy which shows payment was made. I faxed the statement which reflect tht the payment of {$68.00} was made on the same day in store.

It has been 6 months now and there is no end to this. I stay on call for 50+min without any resolution. They keep on opening the dispute and later closing it without calling me and every month my credit score getting -ve impacted. I visited the store too in person but they say only CITIBANK Card team can help you not them.
Consumer complaint received 2020-04-23
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2015-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (CA)

I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.