davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2019-04-23
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: EQUIFAX, INC. (GA)

I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I talked to Capital One and the lawyers for Captial One and told them of the excessive late fees on my account during Covid. I also disputed the amount and they can't prove to me my purchases just late fees on my account. I ask them to take off the inaccurate amounts until they work it out.. They refused and I gave them 10 days to take off the charges or go to litigation. I have 3 accounts with Capital one and they have over XXXX in fees since covid. The hardship in paying my rent or credit cards and the excessive fees are not right. We are in a pandemic and you charge late fees or you don't negoitate
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I called to make my final payment to ALLY Financial in at the end of XXXX and as of today XX/XX/2021 they still haven't updated my credit report as paid in full. I've made several calls to ALLY and I think this is an issue as it is not reflecting correctly on my credit reports therefore affecting my credit rating.
Consumer complaint received 2019-04-23
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: EQUIFAX, INC. (FL)

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.
Consumer complaint received 2021-09-12
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. (MI)

Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Presto Loan Center, LLC (AZ)

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputedPresto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Consumer complaint received 2018-09-15
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)

XXXX XXXX has not accurately reported the correct balance nor on time payment since XX/XX/2018. They have been contacted via telephone and email, the payment is still not being reported. XXXX XXXX has recently been sold to XXXX XXXX and there is still no update on the account.
Consumer complaint received 2021-09-12
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: Credit Plus Inc (IN)

serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MoneyLion Inc. (IL)

I have recently had my identity stolen and used to fraudulently apply for unemployment benefits. I reported this to the Illinois Department of Employment Security, and they helped me with that issue. A few days later, I received a credit card in the mail from a company called MoneyLion. I have tried to call to close the account and get more information about how it was opened in my name, but I am routed through an on-hold system and unable to reach anyone there. I want to close the account and make sure that no loans were taken out in my name, and that no fees have been assessed to the account in my name.
Consumer complaint received 2021-09-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (NY)

They require an email request to withdraw funds, since they deleted my linked account. I have made the request numerous times in the last 9 months. I am told the check is in the mail every few months, but mostly they ignore the emails or tell me I have contacted the wrong department even though I am doing what the website says to do. 

Even though they say the check has been sent the money shows in the account and I never receive anything. 

I email regularly agreeing to may what ever fees they want me to, I just want my money.
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

There are disputes on my account pending from fraudulent charges on my account from a dating service XXXX XXXX back to before XX/XX/2020. I put in a dispute for the charges in the appropriate time and reported fraud on my account the dispute was not put through appropriately and therefore the charges reappeared on my account. I called and once again put in an additional dispute and was assured that it would be properly handled and yet again it was not. So I have for the third time attempted to correct all these charges which were over {$400.00} in charges. In my third attempt I am now being told the charges are too old for them to dispute. That is not my issue as I did dispute the charges in the appropriate timeframe and due to them not doing their jobs properly or communicating things with me this has dragged on for about a year at this point. And every representative gives me a different story when attempting to fix the matter. First they tell me the disputes are too old. Then I am being told that it was reported as fraud and that it was proved that I did have a page on XXXX which best buy never informed me of any such proof and never provided any such proof for me to dispute. So reporting them is my last resort for a resolution
Consumer complaint received 2021-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (DC)

I received a US Bank ReliaCard that says it was for Washington DC unemployment benefits. 

I did not apply for those benefits, and I researched and discovered there is a scam in many states where people 's identities are being used to file false unemployment claims. 

I called the DC office on unemployment and when I indicated that I was calling about a debit card they transferred me over to U.S. Bank. 

One of the first statements the online recorded voice made was ( If you are calling about a card you received that you did not request, press # 1 ).

I pressed # 1 and was told that this was an invalid entry. Then it asked me to punch in the 16 digit card number again ( Which I hadn't been asked to do before ). 

I punched in the number on the card I was sent, and was told this was an invalid entry. I stayed on the line, and finally got to a point where they said I could wait to speak to somebody. Then it said the wait time will be ... ... .and it hung up on me. I've tried to get through to them but can not. 
When I researched online people in other states with the same scam have posted " Good Luck Trying to get through ''. 

This is a company that the government is using to fund money going to people. It is ridiculous that there isn't a rule that these companies must make themselves available to calls. Additionally, the longer I have to wait, the more likely this identity theft is going to impact my credit. 

I am requesting 2 resolutions. 

1. U.S. Bank Reliacard needs to provide an easy webpage to report fraud, and they need to have an easy call in system for people to get ahold of them. 

2. States or areas like DC that are using U.S. Bank Reliacard should not pass you off to U.S. Bank until they fix this problem, and should take the reports of fraud and deal with the bank directly.
Consumer complaint received 2021-07-26
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. (MI)

On XX/XX/XXXX of 2020 XXXX XXXX  XXXX illegally ran my credit through four different credit bureaus in my attempt to purchase a vehicle I did not authorize by physical signature electronic signature verbal agreement or any other type way shape or form to allow them to do any other Financial inquiries into anybody but XXXX XXXX and there's even a duplicate of XXXX XXXX there was four different credit bureaus that they ran my credit through trying to obtain financing for my vehicle when I paid half the vehicles value down in cash they illegally violated the Fair credit reporting act and went against state and federal regulations that disallow them from creating environments that would damage my credit so badly that I've been affected monetarily in the long run without realizing that this had happened this seems to be reprimanded and fixed immediately
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I RECIVED MY UNEMPLOYMENT FROM WHAT WAS OWE TO ME. WELL SOME DAYS LATER I WAS RUSHED TO THE ER  MY XXXX XXXX XXXX XXXX XXXX DO TO XXXXWELL DURING THAT TIME MY WALET, KEYS AND MY PHONE WAS LEFT IN MY CAR. SOME ONE BROKE INTO MY CAR WHILE I WAS IN THE ER AND MY CARD WAS USED NUMERIOUS TIME SO I REPORTED IT AS FRAUD THE BANK DENYS THE CHARGE. HOW I FILED 2 CLAIMS ON THE SAME DATE SAME PHONE CALL THAT THEY APPROVE. FOR THE SAME UNAUTHORIZE USE. SO BECAUSE I DISPUTED THIS FOR XXXX XXXX AND SOME CHANGE. THEY ASKED ME TO SEND MY ID AND PROOF OF ADDRESS. I DID. THEN THEY ASKED FOR MORE STUFF AND MORE AND THEN CLOSED MY ACCOUNT THEY DIDNT GIVE ME NO TIME TO SWITCH MY BILL PAY OR DIRECT DEPOSIT. 
NOW THERE DEPRYING ME OF MY HARD EARNED FUNDS I SRNT THEM A CABLE BILL MY DL AND MY 1099
Consumer complaint received 2019-04-23
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COAST PROFESSIONAL INC (PA)

Yesterday I received a wage attachment/Garnishment from The department of education via debt collector Coast Professional Inc. They are about to seize 25 % of my disposable income from my check. 

The money is said to be {$78000.00} loan of which I have never seen or heard of. It does not tell me dates of the loan, who the original provider was nor what school the loans are from. 

When I check my loans on federal student aid website, none of this matches what they are attempting. When I check my credit report, I havent noticed anything like this either. 

I have called the numbers listed both yesterday and today and havent gotten through. 

I do not know how a company can just take money from your check without attempting to reach you or discuss payments first. I already have garnishments regarding family and simply can not afford something else taken out without my consent.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (LA)

Nation Star Mortgage is showing that I had a late payment inXX/XX/XXXX. Nation Star sold my account to Mr. Cooper in XXXX and then Mr. Cooper sold my mortgage to XXXX XXXX XXXX who still owns the account. So Nation Star Mortgage should not be reporting and information on my report.
Consumer complaint received 2018-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: LendingUSA ()

In XXXX I signed up for XXXX treatments and booked some appointments. I did a payment plan with a third party to help me pay for it. A few hours later i decided to call and cancel all services due to personal reasons. The manager was telling me that I could not cancel it because of the third party and because there is no refund. I have asked her to give me the number of the third party so I can call them and explain to them the situation but she told me that she had no idea who the third party was. The manager then told me that she could cancel all appointments but that the third party was still going to bill me either way. I had to wait for the third party to mail me a bill so I could call them and explain the situation. The third party explained to me that it was too late because they have already sent over the fund, that the only way they will stop sending me a bill is if the XXXX XXXX company would send over an email explaining that I've canceled all services. The third party sent over a few emails to them for months and still no response. I even contacted them a few times and no results. I've been dealing with this for months and it is affecting my credits and I am not paying for something that I did not get any services from. On XX/XX/2018 I filed a compliant with the XXXX XXXX XXXX. They tried to reach out to the XXXX XXXX store in XXXX Ma but no response from them.
Consumer complaint received 2019-04-22
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: ID Analytics, Inc. (TN)

I applied for a car loan through XXXX XXXX and received a letter in the mail informing of being declined for a loan. Not for my XXXX score which is XXXX, but because of my score from a company called " XXXX '' and their score of XXXX. That is a huge difference in my XXXX, XXXX, and XXXX scores. Who is this company and why do they or should they have access to my credit information and where are they obtaining that score, when all other companies and my FICO score, are much higher?
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

Capital Accounts made no attempt to contact me ( if they dispute this they should provide a Certified Mail Return Receipt ) before beginning to assess fees on and reporting this supposed debt to the credit bureaus resulting in significant damage to my credit score. 

I only learned of their actions against me when I noticed a large drop in my credit score in XX/XX/XXXX. After pulling my credit report to figure out what was going on a supposed debt opened on XX/XX/XXXX and reported in XX/XX/XXXX from Capital Accounts was the culprit. This supposed debt is something from XXXX that I have already paid. 

My first attempt to resolve this with the company was a notice of my disputing the debt sent by certified mail on XX/XX/XXXX. After waiting more than a week from the date my letter was signed for and receiving no response I submitted my first complaint regarding this company 's behavior. This was in regard to the lack of any notification about my right to dispute the debt or any notice that they thought I owed a debt at all. The only proof of the debt the company has offered ( in response to the first CFPB complaint ) is a copy of an old ledger which obviously is not proof of any kind. 

I reached out to the company by email on XX/XX/XXXX asking for a copy of the documentation relating to their claimed attempts to contact me. After their non-proof response to the initial complaint I finally had a time frame to investigate my records for. That is how I managed to locate the letter sent to the original creditor and after further searching the transaction record. Two days later I followed up with a second email asking for a response to the letter sent to the original creditor. I have received no response from the company to either email. 

The only contact I have received from this company, besides the damage to my credit score they have caused, was the ledger they provided to CFPB! This is obviously unprofessional and unacceptable behavior from a company that is causing harm to my financial well being and my health ( due to the added stress of this aggravating existing conditions ).

Attached is 1 ) a copy of a letter to the original creditor sent XX/XX/XXXX regarding prior billing issues and a customer copy of the payment authorization form for the dates in dispute 2 ) the transaction details from the bank for when the payment authorization was processed effective XX/XX/XXXX. 

I am sure that Capital Accounts will try to place the blame on the original creditor but the fact of the matter is that Capital Accounts continued taking these negative actions against my credit score even after being notified the debt was disputed. Simply blaming bad information does not absolve them of their behavior. This company is obviously pursuing this supposed debt in bad faith and is engaged in unacceptable business practices.
Consumer complaint received 2018-07-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2018 Suntrust Bank of XXXX Florida hired XXXX XXXX XXXX ( XXXX XXXX Mgr, XXXX at XXXX XXXX, XXXX, FL XXXX ) to repo my car from my driveway at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX   illegally. There is no lien on my newly purchased car. I paid XXXX cash from XXXX XXXX XXXX in XXXX XXXX, FL. I possess a new Florida Vehicle Title that shows clear. This was a bad repo and caused me extreme trouble and inconvenience as well as any forceful damages to my car that they will not release to me from the tow.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (TX)

Company sent a notice out XX/XX/XXXX to collect debt for XXXX XXXX- in the amounts of A {$370.00} and {$19.00} -- -- -- account number appears on letter XXXX we settle the account and sent a check to the company XX/XX/XXXX Check was cashed ( check # XXXX ) by this company We get another notice for the same account in the amount of {$760.00} with the same account number XXXX They have collect the payment to settle this account now they want to settle the account again for a different amount. 
Service were render over a year ago ( XXXX ) with XXXX XXXX, payment was made and account settled This is called double dipping, unfair business Collections Practices which is in violation of law