davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (TX)

I was instructed by a Chase Bank representative to get a refinanced auto loan quote by following the step by step guide found online. 

I completed the application and was notified that I had been approved for a {$14000.00} dollar loan for a used car for a near by dealership? 

None of the information is accurate and not even close to what I wanted. 

I was never given an opportunity to approve the rate or loan amount. I can not cancel the loan application and have a 'hard inquire ' on my credit report now.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (MO)

I am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-29
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. (LA)

I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.
Consumer complaint received 2020-01-23
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)

XXXX XXXX is inaccurately reporting my old XXXX XXXX account as having multiple late payments and being closed in XX/XX/XXXX. After submitting 2 emails directly to the CEO I received calls from his office assuring me the account was reporting correctly. I asked for copies of my prior statements. Upon receiving these statements I had immediate proof of statements showing activity into XXXX long after they claimed it was closed, and no proofs of lates on months they are reporting as such.
Consumer complaint received 2020-01-23
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. (GA)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX / XXXX / ( XXXX ) XXXX Citi card # XXXX XXXX XXXX XXXX Dollar amount : {$1800.00} Description of problem : On XX/XX/XXXX I had 5 charges made to my credit card ( XXXX ) that I did not make. A claim ( Citi card Fraud division ) was filed on those charges. 
I had Citi card cancel the card ( XXXX ) and a replacement was requested ( XXXX ). 
On my statement dated XX/XX/XXXX Citi removed all the charges ( Security Credit- Item Under Investigation ). 
On my statement dated XX/XX/XXXX security credit reversed the charge of {$1800.00} -XXXX. 
Since I did not make or authorize this charge, I am requesting {$1800.00} be removed from my account. 
Also, the interest charge incurred because of the {$1800.00} charge be removed from my accounts. 
All the charges were made in California and both XXXX charges were made on the same date and at the same store. 
Since XX/XX/XXXX I have made several calls to the fraud department to resolve the problem ( {$1800.00} ) to no avail. 
All the while for the last 3 months my interest charge has increased because of the incorrect charge. 
The Electronic Funds Transfer Act ( EFTA ) protects checking accounts and debit cards from unauthorized charges. 
The Truth in Lending Act ( TILA ) protects credit cards from unauthorized charges This problem needs to get corrected. 

XXXX XXXX
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (FL)

I opened up an account with XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX. Jefferson Capital recently purchased this account I had from XXXX XXXX and has re-aged this account. They have told XXXX, XXXX and XXXX that I opened the account on XX/XX/XXXX and all 3 bureaus are reporting this Re-aged account as of XX/XX/XXXX. Since then, It has dropped my score. I would like this account deleted I also would like to sue Jefferson Capital for their Unscrupulous Illegal practices. I have a few copies of my credit report before Jefferson Capital Syst purchased the account and after they re-aged the account. I will attached to this complaint. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2021-09-02
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: CBC Companies, Inc. (TX)

I have a Factual Data Credit Pull on my credit report dated XX/XX/2021. 
This hard credit pull was not authorized. 
I called XXXX XXXX  to ONLY inquire on how it works if we were wanting to pull our home equity out early. I only wanted information on how it works. 
The agent on the phone insisted I give her all of my information so she could pull up our current loan. 
I did not give permission in any form for a hard credit on our credit report. We were not asking for a loan at that time nor were we wanted to move forward in any way. The call was strickly to ask how pulling home equity early works. 

I am requesting that this hard credit pull be removed from my credit report as soon as possible.
Consumer complaint received 2022-09-18
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)

Account ( XXXX ) with " XXXX XXXX XXXX '' still showing on credit report. 

Delete IMMEDIATELY. 

Account # : XXXX ( Still showing and needs to be deleted across all 3 Bureaus ). 

All other accounts have been deleted as a result of dispute. This should be the same.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (MS)

In XX/XX/XXXX, I completed a loan consolidation for my all of my student loans with XXXX and Fed Loan. I completed this consolidation application because Fed Loan was refusing to give me Forbearance on my loans and they were getting further and further delinquency days added. 
I called Fed Loan again on XX/XX/XXXX to check the status of the consolidation loan and I was told it would take up to 7-10 more business days before they could give me an administrative forbearance to stop the delinquency on my account. 
I called back today, XX/XX/XXXX, to check the status of the administrative forbearance and again was told in my take another 10 business days. 
I explained to the representative that my delinquency days were now at 77 and 10 more days will get me very close to 90 days and I do not want a negative mark placed on my credit file. The representative stated there was nothing she could do and I would just have to wait.
Consumer complaint received 2020-01-23
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: ALLY FINANCIAL INC. (PA)

I have an Auto Account with Ally Bank. I, XXXX XXXX co-signed with my husband XXXX XXXX for a XXXX XXXX XXXX. I received a notification back in summer of XXXX that Ally Bank claimed that I missed XXXX 's payment. I did not miss this payment. I called 3 different times and each Ally employee assured me it was a mistake and they do not see a missed payment on their end. Well it is still showing up on my credit report and on my husband 's credit report. I have disputed it myself online with the Credit Bureau 's and nothing! I have sent several dispute letters and still not updated. On different reports it will either show XXXX or XXXX as a missed payment between my credit report or my husband 's. Below is  my bank statement showing both XXXX and XXXX 's payments were made on time which is due on the XXXX each month.
Consumer complaint received 2021-10-07
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. (TX)

My Credit rating was excellent. However, my spouse passed away on XX/XX/XXXX. Since that time, several of her creditors have erroneously and or fraudulently attempted to report her collection accounts as mine. In this case, the merchant, XXXX XXXX XXXX XXXX reported 2 amounts of {$270.00} & {$510.00} to both XXXX and Equifax as collection accounts in XXXX. At that time, I disputed both charges and both XXXX & Equifax removed the accounts as they belonged solely to my deceased wife or were fraudulent, A year later, in XXXX, the same merchant XXXX XXXX XXXX XXXX, once again reported the same two amounts {$270.00} & {$510.00} as collection accounts to both XXXX and Equifax. Once again I disputed both charges. XXXX conducted their investigation and removed the erroneous/fraudulent collection accounts. I called Equifax on XX/XX/XXXX to dispute both charges. Apparently, Equifax only disputed 1 charge. As such, I called again on XX/XX/XXXX to redispute both charges. My Equifax credit report is currently showing the charge for {$270.00} has been resolved by the data furnisher. The charge for {$510.00} ( with the same company ) remains open and unresolved 5 months later. It should be noted that Equifax conducted an investigation into the same two charges in XXXX and determined the accounts were not mine. As such, my credit rating with XXXX stands at XXXX, while my credit rating with Equifax is XXXX. Because of the erroneous? fraudulent collection accounts on my Equifax report, I was declined for a credit card ( reason given was a collection account on my report ). More importantly, due to unforeseen circumstances, I will have to vacate my home in the next 30-45 days. and these two erroneous/fraudulent accounts on my Equifax report will prevent me from purchasing a new home. More importantly, these accounts do not belong to me. In closing, my complaint issues are the following ; # 1 The two accounts referenced above are erroneous and or fraudulent and should be removed from my Equifax report as XXXX has done. # 2 How did Equifax conclude in XXXX that the same two accounts were in fact not mine, but in XXXX, they now conclude the {$270.00} charge belongs to me and after 5 months, the {$510.00} ( from the same company which was removed by Equifax in XXXX ) charge still shows as open and unresolved?
Consumer complaint received 2021-10-07
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. (GA)

A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!
Consumer complaint received 2021-01-28
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. (AL)

60 days ago I reached out to Equifax, XXXX  and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (TN)

On Saturday XX/XX/2021 we were notified that our account with XXXX XXXX XXXX XXXX XXXX was closed. After inquiring with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, we were notified that, although we were set up on a payment plan and making monthly automatic payments as agreed up until XX/XX/2021, the account had been turned over to collections. On XX/XX/XXXX, I contacted the business by phone and was told that the account had accidentally been placed with collections and that their system sometimes does not recognize payment plans if they are set up online. I was also told that the error had been corrected and I would receive a call to re-set up the payment plan and that I would not need to do anything further. We never received a phone call. On XX/XX/2021 we received a letter from a collections agency, AMCOL Systems, letting us know that the account has been turned over to them and we have 30 days to dispute the validity of the debt in writing or judgment will be taken.
Consumer complaint received 2021-05-21
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

Navient has not been reporting to the credit bureau that I was making my payments on time and completely tanked my credit score. 

They have said that they fixed it, but I have no idea if that's true or not and I want this reported regardless. This is unacceptable.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MN)

On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..
Consumer complaint received 2021-05-21
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. (TX)

I would like these accounts to be verified with acceptable proof that these accounts listed are indeed mines. If this proof can not be supplied, please remove these accounts. 

I would also like to receive the docs that were used to verify these accounts. 



I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : Medical Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX ADJUST Account Number : XXXX Account Name : XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2021-10-07
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)

Equifax, XXXX, and XXXX is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP (WA)

US Bank has my XXXX account and wouldn't transfer money for several days until they could collect their insufficient funds and then deposit my XX/XX/XXXX money, they did this 7 times! I closed all my accounts but I owe on a line of credit and they won't release my XXXX number or any XXXX funds until it is paid. I can't access my account ( locked so I can't pay ) or my XXXX funds. I tried several approaches and they are still withholding my money.
Consumer complaint received 2020-01-22
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)

I'm a victim of identity theft. I have a credit card account open in my name and over XXXX hard credit inquies made on my report alone last month. I was able to solve the problem with XXXX and partially with XXXX XXXX. At least they're communicating. However, Equifax acts like my own enemy. 
I wasted 8 hours yesterday being transferred from one phone agent to the next, refusing to verify me online and on the phone after each one asking me 10 mins to verify myself then transfer me to a co worker. Today the same thing. I asked to be transferred to a supervisor, they transfer me to a survey and they hang up. All they're interested in is selling me credit monitoring alerts.