davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One did not provide adequate notice to me. For that reason, I made an uninformed decision. There was no evidence of indebtedness, the only evidence of a debt would be an agreement. Due to my uninformed decision, that agreement is null and void. XXXX and XXXX should not be reporting this account as a charge off, nor any late fees. XXXX knows better and is not.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (MO)

These hard inquiries are not mine. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX
Consumer complaint received 2022-04-06
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. (AZ)

Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (CO)

The vehicle in question the finance company is saying that I own the loan but in fact I do not, somebody else got the loan in my name therefore leaving me with a bill that doesn't belong to me which I've been the victim of identity theft. Request the finance company of Exeter finance remove it from my credit report immediately and excuse it from my name and social security number
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CA)

I have sent in my FTC report, and letters to all XXXX credit reporting agencies regarding unauthorized use of my credit. XXXX will not remove the unauthorized inquiries. I even mailed in a response from a creditor ( XXXX ) that explained the inquiry was unauthorized and XXXX still would not remove it. The company pulled the inquiry itself. But credit reporting agencies have a legal duty to ensure information is reported accurately.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

THIS COMPLAINT IS NOT A DUPLICATE This bank has been adding to fraudulant activity. My account was closed and I was awaiting a direct deposit Chase bank accepted a deposit from the NY state taxes claiming their was a debt on the account instead of returning funds. I want my money recovered. I have documents stating and time stamped that my account was closed in XX/XX/2022 and last statement XX/XX/XXXX showed the mistakes errors of the bank stating I owed over {$900.00} on my account when my account was XXXX and Chase system created or reversed money to be owed on to the account. I had a direct deposit added in an account on XX/XX/2022, three months after the account was closed and showed a XXXX at the end on the account. They are stealing money due to glitches in their system. I then received a mail thos week in XXXX stating I now owe the same amount and funds were used on the account
Consumer complaint received 2022-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have sent multiple ftc reports in XXXX equifax along with id and they refuse to accept it as id and process the ftc reports even after providing personal info
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  on XX/XX/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 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 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 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 2022-10-21
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. (VA)

Hello, Equifax is govern by 15 USC 1681 and they have violated my rights many times. I demand the accounts below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

PLEASE SEE ATTACHMENT. 


Thank you
Consumer complaint received 2022-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (TN)

I notified the lender on XX/XX/XXXX requesting that the apply MLA or SCRA to my accounts with the company. I even attached a copy of my spouse 's XXXX to the request. I the received this email : Case No : XXXX XX/XX/XXXX Dear Thank you for your email received in our office on XX/XX/XXXX regarding your Servicemember Civil Relief Act ( SCRA ) interest relief eligibility request. We previously requested a copy of your military XXXX and/or a letter from your commanding officer and reviewed this info. 

We carefully reviewed everything you provided and unfortunately your account is not eligible for an interest rate reduction under the SCRA. Your account is not eligible because SCRA requires that the obligation be " incurred by a servicemember, or the servicemember and the servicemembers spouse jointly '' to qualify for rate reduction under the SCRA. Note : TN does not provide additional state interest rate benefit extensions to spouses and dependents. We verified your information on the Department of Manpower Defense ( DMDC ) website based on the information provided to us. Enclosed, please find the DMDC certification we obtained to support our decision. We are happy to review any additional information or documentation you may have. 

At Upgrade, we are dedicated to supporting our military servicemembers. We thank you for your service and for choosing Upgrade. Please do not hesitate to contact our Customer Support team if we can be of any further assistance. 

Sincerely, XXXX Upgrade Help Center ( XXXX ) XXXX I then emailed them again requesting the MLA and got nothing back. Not only did I receive this email but when I sent the email requesting SCRA and MLA the company then decided to reduce my credit limit with them not once but twice.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AAA Collections (SD)

I received a notification that they allegedly owned alleged debt of mine. I responded within 30 days letting them know that I did not owe anything and to stop harassing me. They continued to harass me without any attempt at showing the debt was valid. 
I told them, yet again, that I didn't owe anything and the other person let me know that he didn't actually care if I owed money or not, he was just looking to extract money from me. Now, they're showing ownership of the alleged debt, with a date that clearly indicates that they were harassing me before they even owned this alleged debt.
Consumer complaint received 2022-04-06
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. (TN)

I made 3 calls to Equifax... 
call # 1 ) No Answer 2.5 hours, I hung up. 
call # 2 ) I Requested Fraud, got XXXX and spoke to XXXX : explained problem then he says he's not fraud, but will transfer. Spoke to XXXX : again I explained that I went to XXXX XXXX XXXX and XXXX XXXX. I requested a mortgage loan. I signed papers. They are authorized inquiries on my report. I don't dispute them. I explained that I look at house for sale regularly, online, and XXXX I that I like some. I get contacted by many mortgage people when I " like '' or " follow '' a property, but I do not sign paperwork. Once, in excitement about the perfect property for me, i did start paperwork with XXXX XXXX, but I know already from my XXXX XXXX that I am not ready for a house right now, therefore I left that website WITHOUT completing paperwork, yet I see on my credit report that they ran my credit without my authorization. The XXXX XXXX XXXX and the XXXX XXXX are mortgage companies say Equifax, however, I never heard of them and only authorized MY financial institutions to run my credit. XXXX requested a copy of my DL & Soc Sec card to open dispute. 
call # 3 ) Requested Fraud Supv, Mary said she was the highest person I could talk to. I explained that I can't Iocate my Soc Sec card and couldn't wait to get those errors removed since they affect my score. XXXX requested DL & 1099/ W-2 or Police Report or some other report that I can't remember ( started with " XXXX '' ). I informed her that the FRCA doesn't state that I need a report to open a complaint. She said I could use a 1099 or W-2 instead of a Soc Sec card XXXX I have W-2 readily available but wonder why I have to submit this in that I already verified who I am with the computer before I got to her, then verified who I was with her ... Other than to my financial institutions, I didn't give my DL or SS info, why can't they just investigate to remove this? She said that their investigation team requires proof of identity before they start. To me that implied that even though I have already given my Name, SS, DOB, Address that I am not ME... so I implied that I would contact the FRCA to verify if all this is necessary to get these inquiries removed from my report. XXXX said for me to DO WHAT INEEDED TO dDO, but to begin the dispute process I need to submit : DL & 1099/ W-2 -- or Police Report -- or some other report that I was too flustered to write down. 
Please help me get this resolved soon.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Total Auto Finance (VA)

I just wanted to retrieve my personal property out of the repossessed vehicle. The tow company XXXX XXXX XXXX said that Total Auto finance has a contract with them that states the borrower must pay {$75.00} to get their personal belongings. I was advised by an attorney that I should have been able to get my items at no cost. Both companies refused to let me get my items. I drove over an XXXX XXXX hours to the tow lot just to be told that Total Auto Finance claims they have no knowledge of the policy and the two company saying they can not let me retrieve my items even though I brought the key and my ID upon arrival.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

Venmo closed my account and will not give me a specific reason. They first asked me to upload a picture of my ID which did, which I already done previously when I received my Venmo Debit card in XXXX XXXX 2021. My account was suddenly frozen Venmo sent me a vague email stating my transactions were in violation of their terms of service agreement. My transactions were money between friends, grocery stores, XXXX, etc. When I asked what specific transaction are you referring to they said they could not tell me. They informed via email that the funds in my Venmo account would be held for XXXX days for loss prevention measures.
Consumer complaint received 2022-10-21
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. (IL)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX  I, Account Number # 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2022-10-21
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)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX Act # XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Act  # XXXX XXXX XXXX Act XXXX XXXX XXXX U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. These accounts do not belong to me.
Consumer complaint received 2022-04-06
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: ALLY FINANCIAL INC. (LA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally financial XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX bank, XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report
Consumer complaint received 2022-04-06
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: Nelnet, Inc. (IL)

XXXX, Nelnet, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. XXXX, Nelnet, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ASSOCIATED BANC-CORP (NY)

I bought a car using Associated Bank for Financing in XX/XX/2021, I made a payment in XXXX, unfortunately the car was in an accident in XXXX, I Called Associated Bank immediately, I asked if I needed to make XXXX payment, they said no as long as the insurance company pays them off in 10 days, I called Associated and got an email from XXXX that the loan was paid, in early XXXX I got a letter stating there was a gap in what the insurance paid and what was owed, I made a payment that day, made a payment in XXXX, and paid off the Account in XX/XX/XXXX, I received a 30 day delinquent notice to all 3 credit bureaus -this was reported falsely!!! I need this removed from my credit ASAP, Thank you
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd (CA)

I receive a monthly benefit from XXXX XXXX for a permanent XXXX policy that I had purchased. I have also recently been awarded XXXX and was awarded a large amount from XXXX for back pay from when I initially applies for XXXX  in XX/XX/XXXX. XXXX XXXX asked that I remit the back pay I received to them,, as they can off-set the benefit they pay to me by whatever amount I receive from XXXX. 

XXXX XXXX hired a collection agency to collect the overpayment amount from me. As soon as I received the back pay from XXXX, I sent a check, for the amount requested to the collection agency that was representing XXXX XXXX, Brown & Joseph , LLC. 

Unbeknownst to me, they decided to reduce my repayment by my.monthly benefit amount, but did not communicate this to me at all! I sent Brown & Joseph {$53000.00} on XX/XX/XXXX. What I actually owed was {$49000.00}. 

I am owed {$4500.00} and I can not get Brown & Joseph to call me back ( left several messages ) and have not gotten my money back! I have XXXX and that money is needed to pay my monthly bills. I paid the amount they asked for, immediately and in good faith, and now they will not return what I overpaid!