davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information submitted on my files with Equifax. this has been an issue that needs to get resolved asap. this has been addressed multiple times an not errors have been fixed. please review an remove all information submitted in the files asap.
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service representative.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (FL)

XXXX XXXX of XXXX, CA collected - through garnishment- an old student loan account for ECMC XXXX 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from ECMC once I contacted ECMC about the matter. 
XXXX XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with ECMC. 


2 ) Account Technologies over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with ECMC and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX   XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX  XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX XXXX  ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 )  XXXX XXXX has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to ECMC, but the monies were sent to them directly and they have never recorded it so that ECMC can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.
Consumer complaint received 2024-10-14
Product: Credit card — Store credit 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 (LA)

In XXXXXXXX XXXX XXXX I enrolled in a 0 % interest for XXXX program with Synchrony Bank XXXX In XXXXXXXX XXXX XXXX, I received a paper statement with a charge for {$1.00} to receive paper statements. The email notification of the unrequested charge went to my junk mail, and I was unaware of the charge until it appeared on my statement. I immediately called, and the charge was reversed. However, this was only the beginning. 

Although the charge was reversed, they applied a late fee since I only paid the same amount at the same time that I have paid for the past two years. Because I was under the assumption that the issue was resolved when they reversed my late fee, I did not bother to check the following statement, which I now had to check electronically since they forced me to sign up for electronic statements to avoid incurring a monthly paper statement charge. The email reminders were being sent to my junk mail, and it wasnt until I decided to randomly check the account that I noticed the late fees that had accrued from the paper statement charge. 

I called last month and reluctantly paid the late fee, again thinking the issue was resolved. Then, this month, I was informed of additional late fees. The entire electronic system is flawed. They never should have forced the {$2.00} charge for paper statements. I use electronic statements with other vendors that offered discounts and whose monthly payments do not fluctuate. They send email notifications with no mention of amount or due date. They force you to log into their account, which takes time, to view the statement. You are unable to view a statement by phone, so now you have to wait until you are able to use a computer. 

In fairness, there was one prior mishap with Synchrony that was correctly resolved for the same account. Due to the delay in receiving a portion of the product, I was charged for the purchase of the items that I took home with me that day. I quickly paid off that portion of the purchase, and when the remaining portion was charged, I saw that the promotion date was reduced to 24 months. That issue was quickly resolved, and the original deadline was restored. 

Because of {$2.00} that they charged without my knowledge, I had to pay late fees and interest. I have lost confidence in their ability to resolve the issue without further penalties and have elected to pay off the remaining balance, forfeiting the remaining months of 0 % interest. I am beside myself that this stems from an unrequested {$2.00} charge that they have scammed at least {$75.00} in late fees and interest from me. Despite the remaining balance being a financial setback for me, paying it off along with the new late fee is worth it to end the continued scam.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (AL)

Unauthorized inquiries on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have contacted Citizens bank 3 times between the dates of XX/XX/XXXX and XX/XX/XXXX because I can not access my account via web or their app. Every time I have followed every instruction to reset my credentials and every step the customer care rep gave me and every time THEY have ended up stumped and have had no answer or solution. They keep telling me to try again in a few days. I have tried every way to reset my account online AND with a representative and I still can not access my account unless I go to a branch or ATM. I have MANY hours tied up in this now including long, ultimately pointless phone calls. The last time I called ( Friday XX/XX/XXXX ) I was told someone would contact me within two business days with a resolution. Two business days have come and gone and no phone call. Im DONE.
Consumer complaint received 2023-07-18
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. (GA)

These are following acts that violate the constitutional rights, U.S. 1581 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (TX)

A payment for {$3400.00} was send on XX/XX/23 to Ally. They endorsed the check on XX/XX/23. This amount still have not be credited to my account XXXX. Provided Ally a copy of the process check on XX/XX/23. Talk them today and they open an investigation ( take up to 14 days ). Also, I have problems with them processing larger payment {$1600.00} on XXXX. It took Ally seven days to credit my account. Payments under {$500.00} will be applied the next business day.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

To provide some context, my lease with Honda recently came to an end, and I made every effort to return the vehicle promptly. I followed the necessary procedure by notifying Honda through the website of my intention to return the vehicle. However, during a pre-return inspection at a repair shop, a problem with the engine was discovered. It was essential for me to address this issue before returning the vehicle to ensure its proper functioning and uphold the terms of the lease agreement. 
I took immediate action by visiting an authorized Honda dealer to have the engine problem fixed under the warranty. Unfortunately, the dealer initially claimed that the engine issue occurred due to a lack of regular oil changes. I respectfully disagreed with this assessment and provided the dealership with all the necessary receipts as evidence of regular oil changes I had completed. After reviewing the receipts, the dealer acknowledged their mistake and accepted that the engine issue was unrelated to improper maintenance. 

However, due to the need to order a part for the repair, it took longer than anticipated to have the vehicle returned in a fully operational condition. Throughout this period, I encountered challenges with Honda 's online payment system, particularly with the autopay feature and the inability to make payments directly through the website. Every month, I had been making my payments via autopay without any issues. However, after notifying Honda of my intention to return the vehicle, the autopay feature was deactivated, preventing the automatic payment from being processed. 
Additionally, I attempted to make a manual payment through the Honda online portal, but I encountered technical difficulties that prevented me from completing the transaction successfully. I made several attempts to resolve the issue, but unfortunately, the option to make a manual payment online was not functioning properly. 

I would like to reiterate that this late payment was not a result of any negligence or intent to avoid my financial obligations. The circumstances surrounding the engine problem and the technical issues with Honda 's online payment system created unforeseen obstacles that hindered my ability to make a timely payment. It is important to note that I have always prioritized meeting my financial responsibilities and have consistently made on-time payments in the past. 


Additionally, I would like to emphasize that I have documentation to support my claims regarding the delay with the dealership, the oil changes, and the inability to make the payment online. If necessary, I am more than willing to provide any additional documentation or information to support my request. Please feel free to contact me at your earliest convenience at the phone number or email address provided above.
Consumer complaint received 2023-07-19
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX  XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( ORIGINAL CREDITOR XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX  ) XXXX.
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifaxs job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

Its time to file suit and expose this. This is my last time asking for my report. I have proof of my attempts and their refusal letters. Lexis Nexis keeps lying and have not mailed my CLUE REPORT TO ME! Every response they give to my complaints are just to close my complaint. They are not people with integrity. I received a letter in the mail yesterday XX/XX/XXXX. The same letter keep mailing me but wont mail my report! Its dated for XXXX XXXX. After the certified mail I sent to Lexis Nexis, that was received on XXXX XXXX  They have my social and copy of my license with date of birth on it. I dont know what else they want from me. They REFUSE to send my CLUE report and keep lying to the CFPB! I've reached out to company via phone and online system multiple times. I input all my information correctly and received a confirmation. Lexis Nexis keeps mailing letters instead of report that they are not able to verify identity even though I'm the person entering all the information about myself. I've emailed and mailed them a copy of my license. They are still saying that they not able to verify my identity and do not provide me my report. I've received information from other companies that there are errors on my report, but I'm informed I would need to request report directly from Lexis Nexis which where they got the report from. They lied to CFPB with their response that they had reached out to me on the first complaint filed. Again, on my second complaint they claim to have mailed it to me as of XXXX in order to have my complaint closed. Lying again with the same lie XXXX. Its been almost 3 months of me requesting my CLUE report but not receiving it. Im attaching proof.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

There were three personal student loans disbursed to me in XXXX from XXXX for {$11000.00}. I settled with XXXX and had all three paid off by 2014, documented in my records. 

The student loans reappeared on my credit report after the Dept. of Education " bought '' these settled loans. Since then my taxes have been garnished and my loans moved from servicer to servicer. Everytime I call the response is, there is an overwhelming call volume, and disconnected call. 

I have continued to call and send letters to have these loans removed. I have contacted all three credit bureaus, the CFPB, studentaid.gov, XXXX XXXX, Nelnet and XXXX XXXX. I have sent irrefutable proof, documentation and payment records. Then there will be a pending investigation, then no response. Next, I realize that the loans have " moved '' to another servicer. 

Now to round out a very long story my loans have been duplicated on my credit report from NELNET and XXXX. Now there is over {$30000.00} in student loan debt on my credit report. I disputed through the Credit Bureaus and they refuse to remove them. THIS IS DELIBERATE FRAUD FROM NELNET AND XXXX AND NEEDS TO BE RESOLVED IMMEDIATELY. 

All 6 loans need to be removed from my credit report.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 4899 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.C1681c. ( 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. 15 U.S.C 1681S-2 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS RELIABLE LENDING LLC (FL)

I unfortunately apply for a mortgage with the horrible loan officer XXXX XXXX XXXX XXXX Branch Manager XXXX # XXXX XXXX XXXX XXXX XXXX https : //nrlmortgage.com/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX This man should be investigated he sent me by regular email all my confidential documents including my bank accounts statements without my consent after I uploaded them to his portal, there was no need to put my confidential info at risk of online hackers and now all that info is in danger and I will have to change accounts, he is extremely rude and irresponsible and this type of unethical behavior shouldnt be allowed. Here I attached his rude comments even laughed. 
Please investigate and stop this type of unprofessional behavior. I will regret all my life applying with such an irresponsible and unethical lender. Any help will be appreciated.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Account was closed apparently because I did not make a payment. XXXX told me that I did not make a payment in XXXX and that the account was closed in XXXX. I double checked my records last payment made was XX/XX/2021 for XXXX dollars. XXXX also mention I had not made a payment for the months of XXXX, XXXX, XXXX of 2021 but the statement was XXXX for those XXXX months. Another thing I can not accces staments for that credit card and Banks are supposed to withhold records for 5 years. Wells Fargo also messed up my credit by closing this account my oldest account. I was a loyal customer but constant mis treatment by the company has led me to file this complaint.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (CT)

According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed 8 vital role in assembling and evaluating consumer credit and other information on consumers. 

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE THIS FROM MY CONSUMER REPORT OR I'LL TAKE THIS TO ARBITRATION.