davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX  and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint  does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.
Consumer complaint received 2022-10-14
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. (SC)

I RECEIVED AN EMAIL FROM MY BANK TELLING ME THERE WAS A DECREASE IN MY CREDIT PROFILE. I DO NOT KNOW OWN OR GIVE AUTHORIZATION OF ANY OF THE ACCOUNTS LISTED. THIS IS UNAUTHORIZED USE OF THE SOCIAL SECURITY/ CREDIT CARD PURUSANT TO 15 U.S.C. 1602 ( L ) AND 15 U.S.C. 1602 ( P ). THIS IS UNAUTHORIZED REPORTS ON A PUBLIC CREDIT SCORE. WHICH IS A CRIMINAL LIABILITY PURSUANT TO 15 U.S.C. 1611 FOR WILLFUL AND KNOWING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT. I HAVE FILED A IDENTITY THEFT REPORT WITH IDENTITY THEFT.GOV. PLEASE SEE THE ATTACHED. I HAVE REPORTED THESE COMPANIES THIS WEEK. THIS CORRESPONDENT IS FOR THE VIOLATIONS THAT EQUIFAX, XXXX, AND XXXX HAVE COMMITED. PURSUANT TO 15 U.S.C. 1681 ( n ) ( a ) ( 1 ) IT IS A {$1000.00} FOR EVERY VIOLATION. I DEMAND TO BE COMPENSATED FOR DAMAGES ASSOCIATED WITH THE 3 CREDIT AGENCIES LISTED.
Consumer complaint received 2022-08-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Citibank must release this lien as fast as possible. It has no right to continue to place this lien. Citibank should be legally liable for the many financial lost in loosing the sale of this property.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.
Consumer complaint received 2022-09-19
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: JPMORGAN CHASE & CO. (CA)

JPMCB AUTO FINANCE obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-19
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. (NC)

In accordance with the XXXX XXXX XXXX act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 section 602 A.States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, XXXX XXXX # XXXX 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 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FORD MOTOR CREDIT CO. (AZ)

Ford Motor Company Reported a 30-day late on my Credit Report in XX/XX/2019. I was XXXX to XXXX as a XXXX during this time. I have communicated with the Credit Agencies and Ford to remove this negative report to no avail. According to the SCRA " Service Members Credit Relief Act '' I should be protected from this reporting while in service of our country. I would appreciate your helping me remove this negative credit reporting, please. The account has been otherwise up to date and since closed. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX I have attached my XXXX history for this period establishing my XXXX during XX/XX/2019.
Consumer complaint received 2022-09-19
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. (OK)

The consumer reporting agency Equifax has admitted to providing the wrong credit score to millions of consumers, including myself. Which affected my ability to obtain financing, and loans. Equifax has a responsibility to report fairly, and accurately which they did neither. They did not exercise their grave responsibility to report fairly, and accurately. And they also broke consumer law 15 usc 1681. I never gave written or verbal permission for equifax to furnish my consumer report to anyone.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-10-04
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. (MA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-10-05
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. (NY)

For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called Equifax and XXXX asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but Equifax and XXXX refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.
Consumer complaint received 2023-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (TX)

I am entering XXXX XXXX with the XXXX XXXX XXXX on XX/XX/2023. I send my request to XXXX and XXXX XXXX my SCRA notification on XX/XX/2023 and received no response. I also sent the SCRA request via email and still received no response.
Consumer complaint received 2022-09-23
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: CITIBANK, N.A. (CA)

My elderly XXXX had a Citi XXXX card. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with Citi. Instead, Citi keeps reporting this card on my account. I have written XXXX letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using XXXX XXXX assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The Citi Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX of 2022. I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX points since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, elder care issues and racism. Please assist. 

Thanks! S.I.R.
Consumer complaint received 2022-09-24
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. (PA)

Hello this is into claim already under investigation, i apologize but this is case number XXXX and i have postage from us postal i paid for express mail and it arrived to XXXX and Equifax some where around XX/XX/XXXX for both as i will show. I would like to address the lateness of this information and the Law that states under federal law they have 30 days to complete your re-investigation. Be advised i also sent same thing im showing you that the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 day of the completion of your re-investigation. When you see the copy of my tracking information you will see XX/XX/XXXX, would have been 30 days and today is XX/XX/XXXX, and i you the CFPB just said as of today the have 15-60 to get this done. So please add this to the letter i thought also they would be doing the job correctly but it seems they are dragging me along like this whole year. The pics i sent are my tracking information to XXXX, Equifax and the one letter is the same thing to the three collections i was requesting to be verified, just to make clear so you will understand what they have and what i was asking for.
Consumer complaint received 2022-09-23
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: EQUIFAX, INC. (NC)

According to 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. 

XXXX XXXX, IN XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX, XXXX XXXX XXXX Account : 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 : 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 with antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NE)

I leased a XXXX from Ally beginning in XXXX. The lease was to end in XXXX - during XXXX. 
I returned the leased vehicle to XXXX XXXX in XXXX XXXX, Missouri. The XXXX was turned in to the dealership and out of my possession for 11 months before being picked up by Ally. During this time there were several items damaged on the vehicle along with items stolen and lost from the vehicle. I was initially charged for those damages and missing items and eventually lost money on the buyout of the vehicle due to the negligence and fraud committed by the 2 companies. I have repeatedly tried to work this out with the dealership to no avail. I am hoping that getting someone else involved will push them to respond and make things right. The XXXX and Finance manager of the Dealership have been unwilling to remedy this.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

I received a letter from Wells Fargo dated XX/XX/XXXX stating they are contacting me to inform me that my account may not have closed when they told me it was closed.They attached a check in the amount of {$26.00} and said it was for reimbursement for any fees I was charged after the account failed to closed. I also received another letter from Wells Fargo dated XX/XX/XXXX with a enclosed check for the amount of {$27.00} stating that this check was for fees that were charged while a unauthorized restraint was placed on my account.They also instructed that the check includes ban additional amount of {$1.00} to compensate for the time these funds were not available.I 've spoken to multiple representatives for Wells Fargo and XXXX which is a third party company authorized to issue the checks on behalf of Wells Fargo and I have been getting the run around. I get transferred from department to department on cold transfers having to re explain the situation to every representative I speak to. I been. feed inaccurate and incomplete information by representatives from both Wells Fargo and XXXX. I've filed multiple complaints with each department one on XX/XX/XXXX, another XX/XX/XXXX and XX/XX/XXXX for Wells Fargo Remediation Program but have failed to get any answers for any of my questions and concerns.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

I received a grant from the XXXX on XX/XX/XXXX. The grant was for XXXX. The bank released XXXX but held the XXXX stating that I needed to prove my eligibility. I sent in the information and was told it was enough and that corporate security was placing the funds on hold. I went into the bank and sat down with XXXX explained my issue and withdrew the funds that I had available and asked that they sent the remaining funds back to the XXXX. Three months later I called and was told that the funds were returned to the XXXX. Called the XXXX and they have yet to receive them. Called back months later and got the same answer. Filed a complaint with the XXXX in XXXX of XXXX nothing was done. Continued to call the bank and they gave the same answer until XXXX of this year I was told that the fund was still on hold and that they were waiting for guidance from the XXXX to release the funds and I should receive a letter said XXXX the bank 's manager. It is now XXXX and I still haven't received a letter or my money.
Consumer complaint received 2023-01-04
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: SYNCHRONY FINANCIAL (FL)

Six years ago I reported errant charges to my Steinmart Credit Card account ( administered by Synchrony Bank ), after receiving my monthly statement ( XX/XX/XXXX ). My account was closed, a new one was opened and a new card sent. For the past 5+ years, I have received monthly statements showing the disputed amount as " payment not required ''. Each time I spoke to a representative of the company I was assured that I did not have to pay the disputed amount, so " don't worry about it ''. Last month ( XX/XX/XXXX ) a minimum amount ( {$28.00} ) of the disputed was suddenly due. I spoke to 12 different representatives from 4 different departments, as I was tranfered multiple times. The hour and a half call ended with a gentleman named XXXX in Investigations. He told me that I would receive a letter within 7-10 business days and a credit within 48 hours. That never occurred. Additionally, today I received a call from a representative of the Synchrony Bank collection department, who after hearing my 6-year tribulation, and reading all the notes left by numerous persons within Synchrony Bank XXXX and after making several calls herself, told me to call the XXXX XXXX XXXX XXXX The collection department representative stated that my account balance was now " double '' what it was plus interest and late fees, which she removed, because the last account was closed but never " zeroed '' so the balance carried over, plus the balance was added to the new account. She also advised me that would only work for one month, and lodged a complaint on my behalf. I have almost 6 years of statements, names/dates of most of the people at Synchrony with whom I have had contact, as well as letters to/from Synchrony. I WOULD BE EXTREMELY GRATEFUL IF YOU COULD HELP ME END THIS 6-YEAR NIGHTMARE!!!
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

On XX/XX/2021 I received a call from KeyBank Fraud department. It was not a scam. Someone in OH fraudulently withdrew {$2500.00} from my checking account. Went to the branch immediately and filed fraud paperwork and affidavit. Opened a new a checking account and froze old account. I was told approximately 10 days for resolution. It is now 25 days and KeyBank keeps telling me they are still investigating. It's not like it's {$100.00} .... it's a lot of money. I have been in contact with the branch manager in XXXX CT who continues to say 'it is still under review '. On XX/XX/2021 I received a drivers license in the mail from OH. My name, my address, my DL # my DOB, but not my picture. BTW - I live in CT. KeyBank wasn't too interested in this information. I have bills to pay and I have asked for them to deposit {$2500.00} into my account to no avail.
Consumer complaint received 2024-11-26
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Recently I applied for new mortgage with another company that pulled my payment history with wellsfargo. They noticed that XXXX of my payments was returned XX/XX/year> but not showing NSF until may in which may payment had scheduled to be paid. They show were someone reversed the late fees for XXXX and I was told that the payment was supposed to have been retried but was never was. So all payments I made on time months after are showing over XXXX  days late due to this mishaps from wellsfargo rep. I have called to get this corrected since it is showing that because of that XXXX payment all my other payments are late. Also, a few months late I received a refund that should have been applied to XXXX returned payment. I was advised it was escalated to management but this is said often and no one ever returns my call. Now I am unable to be approved for my new mortgage until this issue is fixed.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.