davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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: NATIONWIDE ACCEPTANCE LLC (IL)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-29
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: SANTANDER HOLDINGS USA, INC. (TX)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.
Consumer complaint received 2018-11-06
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. (ND)

On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to Equifax and XXXX  with my proof of payment on two separate occasions now.
Consumer complaint received 2018-11-06
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. (PA)

XX/XX/XXXX XXXX I spoke to XXXX on the phone regarding products available. While I was on phone they illegally ran my credit without asking permission or even asking for my personal information. Now there is a hard inquiry on my account. The company agreed they did it illegally however it would take them 120 days to have it removed by Equifax. I contacted equifax and they refused to remove or even help me have it removed. Equifax told me XXXX was the only one that could remove it. I am trying to buy a house and get a mortgage in the next 40 days and I want this removed IMMEDIATELY!!!!
Consumer complaint received 2022-09-29
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bliksum, LLC (CA)

Original loan amount was for {$2600.00}. I've been paying {$290.00} every month on this loan for a year and I still owe {$2500.00}! Over {$3000.00} already paid. When I inquire about paying the loan off in two weeks, it will be over {$3000.00} according to them, to make a one time payment to pay off the loan. These types of practices have to stop. 

Loan ID : XXXX
Consumer complaint received 2022-09-29
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2018-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MO)

In XXXX of 2018 I entered into a payment modification program and set up auto pay with Navient. {$150.00} was supposed to be taken out of my account each month. Navient never set the payments up with the correct information, causing my payments to be late. Was told that a payment was needed by XX/XX/2018 or delinquency would be reported to the credit bureaus. Navient reported to the bureaus prior to the date they specified. When payment was attempted they refused to accept my payment of the past due of {$150.00}. Said that I had to pay {$200.00} and that was the minimum amount that would be accepted. Otherwise they would continue to report to the bureaus for non payment.
Consumer complaint received 2022-09-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX  # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-09-29
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. (MA)

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Management Outsourcing, Inc. (DC)

My elderly mother XXXX XXXX XXXX receives repeated phone calls from a credit recovery company for a medical bills that is over 10 years old. She retired from her job back in XXXX  and used to go XXXX XXXX for health care services. She last went to XXXX back in XXXX. Unfortunately, she did not pay the {$160.00} medical bill, because she thought that she was still covered under XXXX 's health plan. 

I screened all her phone calls because of the increased number of scam calls received from various companies and vendor, on a daily basis.. My mother is XXXX XXXX XXXX and not in good health. As her daughter, I have to protect her from various individuals and organizations that phone on a daily basis with all sorts of scams. 

Since my mother retired back in XXXX, we only received a few notices from her health insurance about the medical bill. However, Nationwide Recovery Service ( XXXX ) started to call her within the last several months. I have repeatedly told them that she does not owe the debt. They insisted that she pay the bill! Each time I discontinue the phone call. Today, I received another call from this company attempting to get the bill paid. I told them that the bill is old and time barred. The individual kept trying to talk over me and wanted some information. I ended the phone call. 

My mother is unable to care for herself and I have to take care of her as best I can. This includes avoiding her getting upset by any harassing phone calls. It's gotten to the point, that I turned the ringer off on the phone by her bed. I want to avoid her getting upset over something that is not owed. Can someone in your office help me with this matter? Thank you for your consideration of this matter. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (GA)

i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my account.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

A late fee was charged against me for my XX/XX/2022 bill. I paid in full. However a new late fee was added on my XX/XX/2022 bill. That was the only charge. I did not make any new purchases. I called to waive it and was told they would waive it but it was not waived. Now I am " late '' for the XX/XX/2022 bill which was due on XX/XX/XXXX. I called to explain but not only are they not waiving the full amount, but they also are now charging me an ADDITIONAL late fee on the XX/XX/2022 late fee.
Consumer complaint received 2018-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A. (CA)

I received a phone call from a debt collector claiming to be from Sears looking for my son at XXXX XXXX Saturday morning XX/XX/XXXX. I have nothing to do with this debt and don't know why they're calling me. I wish to file a complaint. It is unfair that a family member should have to bear this burden for someone who knows nothing of a debt that they claim on my adult son. The number they called me from is : XXXX ( XXXX XXXX, Texas ), as identified by the caller ID on my phone. The caller sounded to be a young female. I had appointments today that required my utmost attention and by disturbing my sleep, ruined my capacity to perform at my best. I wish compensation for their frivolous actions as well as a formal apology.
Consumer complaint received 2018-11-03
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. (AZ)

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX,
Consumer complaint received 2018-11-02
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. (LA)

They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

There's an account on my credit report that is not mines, it has me as an authorized user inwhich I have no knowledge of, and I would like this account removed immediately. The account in question is XXXX Card, with a XXXX credit limit.
Consumer complaint received 2021-08-12
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. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (TX)

I've reached out to the companies directly in XXXX and in XXXX, but no resolution has been made. I've requested for these Hard Inquiries be removed.
Consumer complaint received 2022-09-29
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2022-06-06
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. (TX)

I have not made any kind of business with all this accounts. All this information is incorrect. 
Please delete all this wrong information off my credit report.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I have tried through all website locations to get a copy of my credit report from Equifax. They have asked me to mail them more sensitive information in order to get it. Someone else could easily steal my identify if I Mail them a copy of my social security card? I placed a fraud alert on this account on XX/XX/18, I have called their customer service department on three separate occasions since then to be told they are upgrading systems and can not so anything and to call back later. This issue is still not resolved.
Consumer complaint received 2022-03-29
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. (TX)

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 


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

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different. 

Accounts - XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-06
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. (IL)

Our loan was previously serviced by XXXX. They fraudulently assessed fees on to our account and did not apply payments to our account. We went to court about all of this and the fees were removed but the credit report was never updated. In XXXX of XXXX, XXXX took over the loan. At the time they took over the loan XXXX XXXX showed the account was 2 months behind. So every payment they received from us, they would apply to the previous month because their records showed we were behind. The account was not 2 months behind. They never applied our XX/XX/XXXX and XX/XX/XXXX payment to the account. We have been trying to refinance our mortgage and take cash out to remodel our 2nd floor. We have been trying since XX/XX/XXXX. Every mortgage company that says they can help us, ends up not being able to proceed because of all the late marks on my credit report. On XX/XX/XXXX, I had a conversation with a supervisor from XXXX who did in fact confirm she sees all the fees assessed to the account and then months later they were removed because we took them to court. The supervisor explained to me that they were only responsible for the loan from XX/XX/XXXX through the present. She said if I submitted paperwork showing that the payments were on time they should be able to correct the late marks on their end. She sent me the full mortgage history document and I went through and compared all the payments with the mortgage history. The XX/XX/XXXX and XX/XX/XXXX payments were never applied to the account as a regular payment which is what made the account 2 months behind. I provided XXXX with copies of my bank statement showing the payments were in fact deducted. I submitted an online dispute with all 3 credit bureaus and submitted the information for their review. Not to mention the credit reports are not even up to date. They only show payments through XXXX of XXXX. I need the report updated through XX/XX/XXXX so that my account can reflect 12 months of on time payments and I can refinance and get away from this nightmare. No one will help me. I don't know what else I can do to get this updated or to get the late marks removed from the credit report.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (SC)

I sent a check for payment on my account by mail. The check was from XXXX XXXX XXXX  XXXX, XXXX. Check number XXXX for {$12000.00} The check also had our names- XXXX XXXX and XXXX XXXX XXXX on it. The check posted on XX/XX/2022, it cleared the bank on XX/XX/2022. It has not been credited to my account. I am still being charged interest on that amount and now late fees. I called twice last week to get this resolved, and again today.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I purchased a car from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX. During the transaction I let the representative from XXXX know that I was already pre-approved from my bank, Randolph Brooks Federal Credit Union. He stated it was fine but that we were going to finance the car through XXXX and then have title switch the loan over and it would be fine as long as it was done within 3 days. The following Monday was XXXX XXXX On Friday XX/XX/XXXX I called to let RBFCU know that I already bought a car with XXXX but let them know they needed to transfer it into RBFCU 's name. RBFCU stated they called the XXXX representative and sent them an email for the loan pay off information and where to send the check to. The following month I found my loan on the RBFCU website and started making payments on XX/XX/XXXX. Since then I have made every payment through the RBFCU website and have been on time. 3 payments have already been made for the car at the time of writing this. XXXX called me on XX/XX/XXXX at XXXX wnd stated they are putting my car up for repossession as they have not received a payment for the car. I stated to them that I have already made payments through the RBFCU website but XXXX stated they are the lein holder and not RBFCU. I have called my bank and I have called XXXX to try and get the loan and title out of XXXX name into RBFCU but both the bank and the dealership do nothing but point fingers at each other when my credit has been hit for being 60 days late, my credit shows 2 loans for the same car in my name, my time has been lost over 2 days trying to get the two companies to talk to each other, and neither are willing to accept responsibility to move the title and name the proper bank on the loan.