davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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. (AL)

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. W.S Badcock 636-63xxxxx,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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-04
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 requesting proof of ownership. I did not sign off on this loan. 

This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that XXXX XXXX does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

I received a US Bank Relia Visa card that I never applied for in the mail. I called them and they said it appears a card was opened under my name through the Unemployment office int the state of Ohio. They also stated that the SS # they had on file did not match mine so I assume someone opened a card under may name and address with a made up SS #. 

I have spoken with XXXX XXXX and they have this noted and have called the credit bureau. I will also be calling the state of Ohio tomorrow to let them know about this situation. 

Thank you! 

XXXX XXXX
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IA)

XX/XX/2013 I made a purchase of {$1900.00} from Home Depot. This was for new counter tops for our kitchen remodel. When I made the purchase it was under their promotional plan of 24months interest free. Every month since that day I have paid an average of {$100.00} which was over the minimum payment. In between the time of the purchase and last week I had made other purchases that were from {$500.00} to {$200.00}. Last week I went to pay my bill and noticed that the payment due was {$370.00} and the balance was {$5200.00} ... ..previous balance was roughly {$3000.00}. I called and asked what had happened and to report that it may be possible that someone has used my card. After looking into the situation the lady on the phone said that something was n't right and that they were opening an investigation into the matter and I should hear back from them in 4-5 business days. After receiving a survey from Home Depot on my experience I noted that I had not heard from them on the resolution of the discrepancy and was not happy about this. I then called the customer service line to find out if the investigation was still open and the representative stated no it was closed. I then asked what had taken place and they told me that my promotional deal had expired and they placed the interest that had accumulated onto my balance. My argument is this, I made a {$1900.00} purchase under this interest free plan. I have made and average of 24- {$100.00} payments on this card, which would put my overall paid amount at {$2400.00} ... {$500.00} over what I had used. This plan should have been paid for over months ago. I called to talk to customer service again and asked how this could be and I was told that once I made " other '' purchases my promotional interest free account was put to the side and no more payments would go to that until my other purchases were paid for. This was NOT what was explained to us when we used the card. I have been paying on this for 2 years now and was never told that I would have to pay for my promotional plan separate or state that it was to go to that, the entire balance was also shown when I went to pay my bill every month so I would pay towards the balance shown. Then to add $ XXXX+ in interest to my account for a {$1900.00} purchase after paying the bill monthly is outrageous. I feel that this is an unacceptable practice on Home depot by not applying my payment to my balance and simply putting it towards other purchases. The 3rd time that I called and talked to representative I asked why it was like this they flat said, it goes to a different account once other purchases are made. Why on earth is this practice allowed to happen? I can not afford to pay an extra {$1600.00} on top of what I owe, especially when I have held up my end of the agreement and paid my bill every month, even paying EXTRA on top of that.
Consumer complaint received 2021-11-29
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. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

My account was transferred to this new agency and at the time I received my new balance the balance was thousands of dollars more than what it c was worth the previous agency. Covid indicated there were to be no interest in the loans but this DID NOT take place IT WAS ADDED. I asked the agency why it was so high and they blamed it on the previous agency I need a breakdown of the last year balances and any fees and /or interest to state where all these fees came from. I need them to be removed as per the law states due to the pandemic there were to be XXXX INTEREST!!!!. Great lakes is the agency it's with now
Consumer complaint received 2022-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

Speedy cash said I owed them XXXX dollars. I explained to them repeatedly it was not my account. Still, they are reporting it on my credit. Im tired of disputing a charge that doesnt belong to me for XXXX years.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 there were XXXX unauthorized transactions to XXXX XXXX XXXX from my account ( Account No XXXX, {$8300.00} ) and from my family joint account ( Account No ***********, {$3000.00} ). 

On XX/XX/2021, I filed a claim ( Claim No : XXXX ) by calling Citibank to dispute the unauthorized transaction on XX/XX/2021 and requested to block any transaction from my account to XXXXXXXX XXXX  XXXX. At the same time I requested to close the account to prevent future unauthorized transactions. I was told that my account was disabled and a new ATM card would be mailed to me. 

I have been calling Citibank numerous times to request Citibank to do a thorough investigation. I mailed XXXX times documents per Citibank request. However, Citibank never did a thorough investigation, instead, Citibank denied my claims and appeals by " Our records show that you have consistently paid by means of Citibank 's Bill Payment Service and used an established device for the bill payment ''. 

I requested Citibank to provide the documents that were used for investigation such as the " established devices '', " consistently paid ''. Citibank never provided them. 

As a Citibank customer I am very disappointed with Citibank 's service and security : XXXX. The IP address used to make these transactions are not my computer IP address. I only use my computer to do online banking. Which clearly shows that it is not me that made these transactions. Citibank couldn't alert the unrecognized device. 
XXXX. There was an unrecognized phone number on my checking account contact information. Apparently someone else accessed my account and edited the contact information and add XXXX XXXX XXXX as Payee. Citibank online banking platform is not secure which put all Citibank customers on risk. 
XXXX. Why Citibank couldn't prevent the further fraud after I reported the first fraud? 
XXXX. There was never any payment to XXXX XXXX XXXX before XX/XX/2021 which disputes Citibank 's " consistently paid ''. 

Therefore, I filed this complaint to urge Citibank to take action to protect customer 's financial security.
Consumer complaint received 2021-02-03
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. (MD)

I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX  continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data. 

XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries. 

None of the companies have provided verifiable proof of authenticity from any creditor. 

I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I've been have issues with XXXX/ Loancare since they purchased my mortgage. They have now miss applied my payments 2 times. The last payment was for XXXX and XXXX. I payed {$960.00} it included two month mortgage payments, an escrow payment, and a late fee. They some how miss applied everything and the Loancare is saying I'm paid through until XXXX and my escrow balance is XXXX up! Also, they continue to over pay house insurance company and I get a check returned from for loancares over payment and then I get a bill from Loancare saying my escrow account is deficient. XXXX/LoanCare is a joke when I call takes me 1 hr. to navigate their automated XXXX I'm ready to refinance my loan just to get my loan out of this service providers hands! I was a previous Bank Examiner, how can this company still operate!
Consumer complaint received 2020-06-04
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 
XXXX  XXXX {$3400.00} XXXX {$78.00}
Consumer complaint received 2022-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TN)

Continental Loans ins XXXX TN, I never missed a payment on my installment loan and always paid through the customer portal. They reported I was over 30 days late for my XXXX payment when I have never been late, when I contacted them and explained the issue to them they claim it was for a late fee that I did not pay, I explained to her when I paid my bill on the online portal I paid the amount it stated I owed and never showed I owed a late fee on top of that they see I made regular payments on time, if this was the case why did they not call me and say you still have a balance or owe a late fee, they were even aware customers were having issues with the customer portal with the correct balance reflecting but still did not honor the error on their end and this late payment is ruining my credit. For a long time customer who always paid on time why would they ruin my credit when the error was on their part, I was advised the issue would be escalated to a supervisor and someone would call be back, I never heard back from anyone and when I called again I was just told the same thing it was escalated to a supervisor to look into the matter but still nothing. I have a record of each payment I made to them which shows I was never late. I am disappointed in how they treat good customers and the lack of accountability on their part, I will probably never do business with them again.
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that it was going to be a soft inquiry and now my credit have been affected. 

The guy was very misleading to me and husband. I told him I do not want credit to be checked if it will be a hard inquiry he said it will not be a hard inquiry.
Consumer complaint received 2020-12-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NY)

Re : XXXX XXXX lease with : KIA MOTOR FINANCE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX * Started on XX/XX/XXXX * Turned in XX/XX/XXXX at XXXX  XXXX in XXXX NY, XXXX XXXX XXXX XXXX * 3rd party vendor assessment : {$0.00} charges due to great condition of vehicle I'm writing to protest, contest and dispute a poor marking on my credit report due to a KIA reported " 30 day late '' / non-on time payment on my XXXX XXXX auto loan. I recently disputed this with XXXX, but today I found I was unsuccessful and I'm VERY upset and disappointed. I am very careful with making on time payments as you'll find from the history of my leases and loans and I take a LOT of pride in my credit score as you'll see from my cumulative payment history. Today my credit score plunged from XXXX to XXXX according to XXXX, one of my creditors. 

The dealership communicated to me to wait until final bill was processed and that it may take a few months for Kia to process. I checked online account periodically for additional mileage charges to be reflected in the form of a bill. 

In XX/XX/XXXX I contacted KIA Motors to discuss account and they communicated that a portion of the mileage and other charges were dropped and so the bill was less. They agreed to a {$100.00} discount from what they were asking at the time. In total my payment was {$860.00}, comprised of ( 2 ) {$430.00} payments. They communicated to me during the call that I was at 31 or 32 days at the time. 

A ) I had ZERO knowledge of any concrete deadline with this residual post-lease balance and I expressed this to the representative at KIA ; and B ) I had ZERO knowledge that any post-lease balance was credit bureau reporting eligible. I also expressed this to the representative at KIA Motors Finance. 

I made 48 on time payments during my lease only to find that they retroactively posted a late payment to XX/XX/XXXX on my credit report, and went off the original instruction from dealership to wait until balance was finalized and that it may take a couple of months.
Consumer complaint received 2020-01-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

fair credit bill act violations XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( fair credit bill act ) or ( FTC ) violations {$1600.00} 0 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( hippa ) violation {$1700.00} all inquires ftc violatons XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Collections Attorney Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX I Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C/C Financial (IL)

this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}
Consumer complaint received 2021-02-03
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: BARCLAYS BANK DELAWARE (VA)

On or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX. 
Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX. 
While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place. 
Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit. 
We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (TN)

I signed up for the free trial of Equifax XXXX  XXXX. I attempted to cancel my subscription on XX/XX/2021 online and received an error message. I attempted to call and was on hold for 45 minutes before having to hang up and return to work. The following day I tried to cancel online again and received the same error message. Today I called to cancel and finally spoke to an agent that told me he would cancel my account as of XX/XX/2021. I told him that I wanted it cancelled today and he said it was too late because I had already been charged. I tried several times to cancel this service and was unable to. I asked for a refund and the customer service agent at Equifax told me absolutely no refunds.