davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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. (PA)

Inaccurate collection reporting to my credit report from third party company XXXX XXXX. Account # XXXX. They are attempting to collect {$670.00}. Date Opened XX/XX/2022. This medical debt was sold to this third party collection agency from XXXXXXXX XXXX XXXXXXXX without my consent. According to FCRA, this is against Hipaa law.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE (CA)

A savings account was opened by XXXX XXXX Bank XXXX XX/XX/2023 in my name. I received a letter from XXXX 's with the account information. 

I called on XX/XX/XXXX to cancel the account. The agent was courteous and promptly canceled the account. 

I have no reason to believe anyone other than XXXX XXXX Bank opened this account in my name. I believe this is the latest technique that banks are using to get customers. It's a waste of my time and stressful not knowing for sure if this is a case of identity theft or just another marketing ploy. 

Banks need to stop doing this!
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (AZ)

After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected and I have not recieved a response to my correct address provided to FactorTrust. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC. (NY)

I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from XXXX in XXXX New York. I originally was approved through a bank called XXXXXXXX XXXX  had an APR of 14 % a week later I received a call because I was self-employed. They denied my loan I was then approved from a bank called Exeter finance. My APR was 23.8 % 75 payments at {$740.00} per month.

At the time of the purchase, I had to return a lease vehicle that I had due to a bankruptcy, and I was also dealing with the death of my daughter and losing my job. For work I did farmers markets I needed a vehicle.

It is now one year later, and I decided to go to my bank to refinance the vehicle and a lower APR and fewer payments. It was at this time I realized I am being charged way too much for the vehicle. My vehicles current value is only XXXX I called Exeter for my payout amount and they told me I owe XXXX on the vehicle. However I purchased the vehicle for XXXX. My XXXX XXXX value brand new is only XXXX. I asked the woman to explain. How do I owe more than what I purchased a vehicle for I also asked her why am I paying double for a vehicle that is only worth XXXX. I asked her who I speak to to lower the APR, and she informed me after speaking to her manager because its fixed it can not be lowered. It was at this time I realized I might be a victim of predatory lending.

My bank informed me that they will not refinance for more than the car is worth hence I am making this complaint.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I called FedLoan Servicing on XX/XX/2022 to request a refund on the payments made during the payment pause. My loans were fully paid during this time. I was told that they are not recommending me to request a refund ( although I am eligible to do so ). The agent also told me it would take 200 days to process the refund and have a balance reflected on my account. I was told I would need to begin payments in XXXX although I am eligible for forgiveness. This will impact me financially as I would like to submit the student loan forgiveness application prior to XX/XX/2022 in order to receive forgiveness prior to payments resuming. 
I have received no update to the account and am concerned with the large processing time on this. According to the information the agent told me, it would take 6 months for this to reflect back on my account and I would not be able to receive forgiveness on all of those payments.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO. (DE)

I ordered a XXXX XXXX XXXX XXXX from XXXX XXXX in Delaware in XX/XX/XXXX. The vehicle arrived and Ford has a program for vehicles ordered before XX/XX/XXXX of 3.9 % for 60 months. I have perfect credit and was pre-approved with Ford Motor Credit and they refuse to provide me with the 3.9 % APR. They are charging me 5.9 %. The Dealership is saying that Ford Motor Credit refuses to honor this advertised program. Here is the program and disclosure : XXXX : XXXX XXXX XXXX XXXX XXXX Sales Event : Final Days Offer Details The XXXX XXXX XXXX or XXXX will raise your heart rate and stir your soul. Drawing on deep performance roots, it features precise handling, high-powered engines and iconic design. Check out the great incentives and deals, and dont miss this opportunity to secure your XXXX XXXX XXXX model now. 

DISCLOSURES *Place a new vehicle retail order for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a local authorized XXXX Dealer on or before XX/XX/XXXX and lock in 3.9 % APR financing for 60 months at {$18.00} per month per {$1000.00} financed regardless of down payment ( XXXX # XXXX ). 

**Not all buyers will qualify for Ford Credit financing. Not available on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Residency restrictions apply. See dealer for qualifications and complete program details. Some exclusions may apply. Due to high demand and global supply chain constraints, some models, trims, and features may not be available or may be subject to change. Check with your local dealer for current information.
Consumer complaint received 2023-01-26
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX  {$790.00} XXXX XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2022-12-27
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. (MS)

On XX/XX/2022 XXXX is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. XXXX is falsely stating this information on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2022-12-27
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. (MI)

On XX/XX/2022, my checking account was charged almost {$5000.00} between XXXX transactions all going to what looks like 5 different people in XXXX XXXX XXXX. 
The names are : XXXX XXXX, XXXX XXXX XXXX, XXXX De XXXX, XXXX XXXX XXXX XXXX XXXX. 
On the night of the charges, I received automated calls from Chase and I denied 1 of them but the calls came in as I was on the line. I received multiple calls from chase and couldn't answer them at once. The next morning I woke up to all these charges and called the bank immediately. My debit card was closed and a claim was filed. I had no access to my money while this was happening and I awaited a new debit card in the mail. On XX/XX/XXXX, the charges were reversed and I thought everything was handled as these are clearly not my charges.This morning ( XX/XX/XXXX ) I was shocked to see another reversal and the fraudulent charges were placed back into my account leaving my checking account overdrawn - {$3700.00}. I again contacted the bank and was told that my claim was denied as these charges came from my phone using either a fingerprint or facial recognition. This is not the case at all as I have never lost my debit card or phone and I have no reason or any previous history of sending money to XXXX. This is putting a major hardship on my financial state as I am unable to pay my rent or put food on my table for myself or my kids. I'm willing to send my phone to any investigative agency that wants it but I need to get this figured out fast. I did have my debit card linked to XXXX XXXX but again, my phone never left my person and I swear on everything that is good in this world that I never authorized these charges. Please help!!
Consumer complaint received 2022-08-03
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: Siggi LLC (TX)

There are 3 accounts still on my credit reports from Omni Financial. I was told by a credit agency I can report them and they had a case open. It looks like the case was closed.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$500.00} XXXX  XXXX Balance Owed : {$470.00}
Consumer complaint received 2022-08-24
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: Nelnet, Inc. (TX)

In Accordance with the fair credit reporting act XXXX  account number XXXX Department of Education 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 a account without my written instructions.
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC (MO)

On Friday XX/XX/XXXX at XXXXXXXX XXXX  XXXXXXXX National Recovery Agency sent multiple texts to my phone identifying themselves as a debt collection agency and then proceeded to attach information on an account. This was obtrusive and violates the FDCPA guidelines.
Consumer complaint received 2022-12-27
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. (PA)

My name is XXXX XXXX, and I am writing this statement on my behalf. I am a victim of identity theft. The items listed on my report were opened fraudulently, and I request that they all be removed immediately. The accounts are listed in this report and attached to my statement. 
Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-25
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-23
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. (AZ)

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. My dispute letters were dismissed, and never responded to. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX has left a fraudulent Hard Inquiry on my personal file from Citibank XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted Citibank and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I was checking my credit report and saw a debt. I reached out to the agency IC Systems INC, the company listed on the report. They could not give any information. I reached out to XXXXXXXX XXXX XXXX  today XXXX they explained to me that I do not owe them any money from XX/XX/ in the amount of {$56.00}.
Consumer complaint received 2022-12-27
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. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2022-12-27
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: Affirm Holdings, Inc (NV)

On XX/XX/2022, I lost all of my personal stuff that including my ID, my Credit cards, my personal phone and more. Over the 9 months while i was trying to get everything back i looked at my credit report and i seen activities on there that i did not recognize. My credit card that was stolen in XX/XX/2022 has a balance of {$240.00}, Which is at XXXX XXXX. When i contacted the company, they locked my account and told me i still had to pay the {$240.00} even though I'm not responsible for it. Also, there are two charges from affirm one balance is {$130.00} the other is {$110.00} both of these loans were opened when all my belongings were stolen and i did not know it was on my credit report until now, I have not tried to contact the company.
Consumer complaint received 2022-10-25
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)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CT)

My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX  : Citibank XXXX NY Branch Date promotional deposit of {$50000.00} made : XX/XX/XXXX I made a deposit of XXXX into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$50000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$500.00} into my account. 

I have contacted XXXX XXXX XXXX, Manager Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

She also refuses to make contact with me over the phone despite repeated calls to the branch ( Citibank XXXX NY ) Please help me get the promotional fee of {$500.00} that they advertised they will pay, and ask them to honor their commitment, after keeping my {$50000.00} for over one year now. 
Thank you.