davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NV)

Have someone from your Bloomingdales credit card executive office give me a call XXXX XXXX XXXX. I applied for a card and the system canceled it due to a duplicate I applied for in store. I called credit department got someone with an attitude and was transferred to a manager named XXXX The manager helped me was super friendly processed the application told me I was approved for both a store card and AMEX. I told him I wanted the AMEX card he approved the AMEX he told me and adjusted the credit line for my purchase.

I got an email saying I got approved for the store card. EXCUSE ME??? No I asked for the AMEX repeatedly!!!!!!! And he told me would approved the AMEX. I called back and he told me Im so sorry I clicked the wrong button and chose store card not the Amex and now I have to reapply and hes going to work with a team called XXXX??? 

NO THIS IS NOT ACCEPTABLE. YOU SCREWED THIS BIG TIME. I WANT MY BLOOMINGDALES AMEX APPROVED LIKE I WAS PROMISED AND TJE CALLS ARE RECORDED. THERE ARE NO MISTAKES TO BE MADE RIGHT NOW. 

It is NOT my problem your agent accidentally clicked the wrong application selection and now I have the wrong account I want the Amex like I was approved for and this needs to be fixed!!!!!!!

Now my card is shut down I was told they would open the AMEX and it hasnt happened they closed my card promised to remove the account from the bureau and approve the AMEX!!!! Fully documented that you guys screwed up and it hasnt been fixed!!!!!!!! I WANT THE AMEX CARD OPENED LIKE PROMISED BY YOUR CORPORATE OFFICE CREDIT TEAM!!! THERE IS ZERO EXCUSE FOR THIS!!
Consumer complaint received 2022-10-18
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (MD)

I had a vehicle repossessed that was no longer past due. According to federal law 15 U.S.C 1692f this is a violation. I submitted a case with cfpb in 2016 regarding this issue. The creditor sent documentation in their response which show the account was no longer past due, yet the vehicle was repossessed because I did not answer their calls. The account was 1 month past due and payment was received { XX/XX/2016  } 3 days prior to the repossession letter being sent { XX/XX/2016  }. The creditor also sent a breakdown of the payments showing my payment with the late fee posting prior to the repossession. CFPB, unfortunately, offered no assistance in 2016. Now the creditor is reporting the account as charged off month after month in an effort to further reduce my credit score. I never received paper work after the vehicle was sold and the balance at the time of repossession is the current balance on my credit report. It appears that the vehicle was never sold.
Consumer complaint received 2022-10-18
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. (TX)

This is XXXX XXXX submitting this CFPB Complaint once again to request to the Credit Reporting Agencies to reinvestigate the disputed accounts completely from my Credit File. Under the Fair Credit Reporting Act, the Credit Bureaus are required to correct and or remove the disputed accounts that are reporting erroneous information on a consumer 's credit file. I have been submitting multiple dispute letters to the 3 Credit Bureaus and the last dispute letters I sent was XX/XX/2022, to correct these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them in the event the Credit Bureaus do not comply with the Federal regulation. These accounts were already included in my prior COMPLAINTS, and I'm including it again : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}.
Consumer complaint received 2022-03-08
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)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-03-08
Product: Student loan — Federal student loan servicing
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 have been trying to dispute Equifax for months about my 6 Consolidated Student loans through US Dept of Ed that were reported through the pandemic as in Collections and Account Status 120+ past due ( XXXX ) instead of Paid in Full by Consolidation and in Federal Forbearance like the Cares Act instructed. My family and I have been negatively impacted by this and my credit scores, I haven't been able to get the house I need as a essential worker because of this. I called the Us Dept Of Ed on this and they agreed with me that these things should be cleaned up because these accounts are Paid In Full by Consolidation but Equifax is telling me they are confirming these disputed things. It's confusing and a dead end loophole.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (OH)

This is regarding the XXXX XXXX XXXX and subsequently a debt collection agency called Contract Callers , Inc. 

I vacated my apartment in XX/XX/2021. The account was marked as satisfactory and closed as of XX/XX/2021. My electric account statement shows that all my balance was paid in full. However, a couple of weeks ago, I check my credit report and see that a debt collection agency has reported me for not paying my electric bill. I have always paid my bill on time through autopay. Neither the electric company, nor the debt collection agency made any attempt to contact me via email or phone even though they have all my information with them. 

Upon contacting the energy company, I was told that I had a pending bill. When I told them my account number and informed them that the pending balance is {$0.00} and the balance is paid is full, they tell me that you won't see the last balance because your account was closed, but you have {$170.00} pending. How am I supposed to know that there is any pending balance when I check my account summary and it say paid in full. 

When I asked them this question, they say that you were sent an email, but I have no email records from the company. I've been trying to get in touch with someone to help me out with this issue, but no one is helpful. 

This is reflecting on my credit report now, and neither the electric company nor the debt collection agency are willing to help. I want to reiterate that no attempt was made to get in touch with me for close to a year either by email or phone.
Consumer complaint received 2022-06-05
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: Affirm Holdings, Inc (VT)

Initial Date of Debt - XX/XX/XXXX Original Debt Amount - {$660.00} Remaining Balance - {$680.00} Company - Affirm LLC Bank Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Bankruptcy Bankruptcy Filed - XX/XX/XXXX Amendment Bankruptcy Filed - XX/XX/XXXX Bankruptcy Order of Discharge - XX/XX/XXXX - Judge XXXX XXXX I initially contacted the company on XX/XX/XXXX inquiring that this debt was included on my list of discharged debts, from my bankruptcy that was discharged a few months prior. I received an email from XXXX XXXX, stating that and I quote from the email " I can confirm that loan ****** was charged off on XX/XX/XXXX. Per the records provided your bankruptcy was filed on XX/XX/XXXX, and this debt was included '' after that email I submitted a dispute with the XXXX Credit Bureau, It was received back that the information was correct on my credit report and it remains. 

On XX/XX/XXXX I messaged Affirm Customer Service inquiring about this again why it still remains on my credit report as charged off and nothing noted as being Discharged thru XXXX  XXXX Bankruptcy like the other loans I had from the same bank. 

On XX/XX/XXXX I received a reply back from XXXX XXXX, from Affirm Help Center stating and I quote " Due to you notifying us of your concern, we are conducting an investigation to ensure that any inaccuracy is corrected. '' On XX/XX/XXXX I was contacted again via email by XXXX XXXX from the Affirm Help Center and it stated " We have investigated any credit reporting implications as a result of your recent claim, and have taken steps to ensure that your credit report is accurately updated. Please allow 3-5 days for this to update on your XXXX Credit Report. '' I replied with inquiring what the update was on the same day with no response till XX/XX/XXXX On XX/XX/XXXX I received an message from XXXX XXXX, from the Affirm Help Center and it stated " I am reaching out regarding the credit reporting for your Affirm loan *********. I understand there was confusion regarding this and i'd be happy to clarify this. ******, we have taken steps to ensure that your loan *********** was correctly reported to the credit bureau as having been included in your bankruptcy. '' I submitted at least twice to XXXX that this account should be showing as Discharged with XXXX  XXXX Bankruptcy, and every time they investigate the dispute it comes back with " Please Contact XXXX XXXX '' and will still show as remains. Most recent report generated by XXXX on XX/XX/XXXX it still shows on there as it was certified to XXXX that the report and information accurate when all of the other accounts from the same bank and same debtor all show " Discharged through Bankruptcy XXXX XXXX ''
Consumer complaint received 2022-10-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CA)

I have a private student loan with Discover Bank with a variable interest rate. While XXXX interest rates have risen over the past year, so has the interest rate on the loan. In my Promissory note, Discover Bank stated they would be using the quarterly XXXX rate for any changes. However, within XXXX days, Discover Bank has changed my interest rate twice. The first, a slight reduction. The second, a full 1.5 % rate increase. The XXXX rate from last month has gone up .5 %. Discover will not disclose why I received two interest rate changes, they will not disclose why the increase was so much larger than the XXXX increase, and they are not following the terms of agreement laid out in the Promissory Note. This represents the largest single increase I have ever received for this loan, and amounts to a 15 % increase in my payment with absolutely zero explanation other than them notifying me of a change. I have zero missed or late payments on this loan and I have on several occasions paid more than the minimum where financially possibly. I believe Discover is abusing its authority to change the interest rate on my variable loan, as is evidenced by their lack of disclosure, multiple rate changes within a span of two weeks, and an increase far beyond the XXXX increase which they are supposed to follow.
Consumer complaint received 2022-02-08
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. (PA)

RE : UNAUTHORIZED INQUIRIES To Whom It May Concern : I reviewed a copy of my credit report noticed some unauthrized inquiries, which is why I have a personal statement on my credit that says to contact me prior to allowing a company to run my credit. 

Listed below are the company names, and dates of the unauthorized inquiries. 

XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022 XXXX dated, XX/XX/2022 XXXX XXXX dated, XX/XX/2022 XXXX dated XXXX XX/XX/2022 According to he Fair Credit Reporting Act 15 U.S. Code 1681b - Permissible purposes of consumer reports, it says that a consumer must authorized the transactions and these transaction weren't authorized by me, which is the consumer. This is violation of my rights to privacy. 

I am requesting for this unauthorized inquiry to be removed XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I RECIEVED A EMAIL SAYING MY CREDIT SCORE WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX OFF MY REPORT
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

Navient is awful. Apply every year through studentaid.gov for renewal of XXXX. This year I receive notice from Navient that I'm in default. I call having no idea that the government does not own my loan, Navient states I have some commercial loan with them and they don't deal with studentaid.gov any longer. I have no clue what's she's talking about, never heard this until now had these loans beginning XXXX all news to me, she says the only way to avoid being turned over to credit bureau is entering forbearance! She said that was the only way to avoid credit reporting. Today they say I don't qualify for any forgiveness for 25 years. They told my co worker the Biden admin announced student relief know there loans would not qualify and only said they would to look good in mid term election. WHAT KIND OF CROOKED COMPANY DOES THESE THINGS? HOW CAN THEY CONTINUE? Someone has to do something. They are.destroying lives!!! I emailed senator asking for help also. 
Sincerely, XXXX
Consumer complaint received 2021-12-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

My XXXX XXXXXXXX XXXX was hit and totaled by a XXXX XXXX insured individual on XXXX XXXX. 
( XXXX ) It took 3 months to get anyone at KiA to give XXXX XXXX the information they needed to payoff the vehicle. 
The sent a Payment of over {$26000.00}, the actual payoff was only a little more than {$22000.00}. I was charged for 2 more months after the accident as well as they received {$4000.00} more that they payoff amount.
Consumer complaint received 2022-10-18
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. (NC)

Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 
Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
Consumer complaint received 2022-10-18
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)

This is my FUTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-18
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)

i filed a police report and filed complaint with consumer protecton XXXX and noby addreses my problem its about fraudlent inquirys on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX