davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NH)

Good afternoon, I filed for chapter XXXX bankruptcy protection in XX/XX/XXXX and included my CitiMortgage XXXX mortgage as part of my debts in that process. 
XX/XX/XXXX, nearing the end of my repayment program, CitiMortgage offered me the opportunity to be part of a loan modification program that would allow me to get back on track with payments. I successfully made the 3 trial monthly payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, signed the agreement paperwork which outlined the permanent terms for the remainder of my mortgage payments and was enrolled in the program. 
Out of the blue on XXXX my CitiMortgage discharged my mortgage and they have refused to make good on the terms set forth in our legally binding agreement of XX/XX/XXXX and with that my credit rating has further suffered due to their negligence. 
I will be happy to provide my bankruptcy attorney 's name and contact information as he too has tried to assist to no avail. 
Thank you for any help that you are able to provide.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Kia Finance was sent a letter notifying them that XXXX would be paying off the balance of the loan. Kia Finance sent me an email notifying me that I did not need to make further payments on the account. I called Kia Finance to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid Kia Finance and Kia Finance has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against Kia Finance.
Consumer complaint received 2024-08-29
Product: Credit reporting 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)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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. 
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 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (OH)

Ally bank claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I  called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
Consumer complaint received 2019-09-08
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. (LA)

Hard inquiries that I did not make and ask to be removed I could not do it online because its asking me to. Pay and over the phone. I got hung up on and told to mail with XXXX  Equifax did not help me at all even though they had a recent security breach
Consumer complaint received 2019-09-08
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. (IL)

XX/XX/XXXX The errors on my Equifax credit report have NOT been corrected. Since XXXX XXXX XXXX and XXXX XXXX XXXX are so incompetent that they can not seem to read and understand and fix their errors I took the time to copy, paste, highlight and spell them out for them so that they both and Equifax too can fix them and so that the CFPB can also do their job they are paid to do by the citizens of this country, including myself, and enforce the FCRA. Again, just in case any of you have forgotten what that law states the definition is listed below. FIX my credit reports NOW!! I do not want ANY phone calls from any of you, all must be in writing AND I wanted corrections made then updated with all three credit bureaus and a copy of each corrected credit report mailed to me and the IL Attorney General for review before this case is to be closed and I will be letting your boss President Trump know this as well! I have also contacted my attorney about all, the IL Attorney General and the NCUA!!!! 

XXXX XXXX Fair Credit Reporting Act The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2019-09-07
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: CITIBANK, N.A. (CA)

This complaint submission is in regards to an Unauthorized Inquiry reported by CITI BANK / CITI BANK NORTH AMERICA. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Credit Services Dispute Department, who then gave me their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Department had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITI BANK / CITI BANK NORTH AMERICA immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITI BANK / CITI BANK NORTH AMERICA is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2023-06-18
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-05-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I recently applied for a home mortgage. Per the broker there are inquiries on my report that I did not authorize. There is a pull on my experian report from XXXX/XXXX/XXXX. I did not authorize this. However it was set to drop off XXXX/XXXX/XXXX. The documents attached are from a fresh report pulled XXXX/XXXX/XXXX and it is still on there. I would need this removed immediately as it is a negative impact on my score
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Other — 
Company: Paypal Holdings, Inc (ID)

I submitted and FDCPA debt validation request to PayPal Credit for debt validation on XX/XX/XXXX. The request had a 30 day time window on it, and was completely ignored by PayPal. I submitted the second letter requesting debt validation to XXXX on XX/XX/XXXX, and once again the request was willfully ignored. The agents in customer service are obviously outsourced and have no idea in the slightest what FDCPA even is. My requests have been willfully ignored and violated. I understand that I need to report these violations to the proper federal venues. Thank you.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on Equifax report from XXXX XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from Equifax, XXXX  XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

My mortgage loan was transferred to Chase effective XX/XX/2019. In XX/XX/2019 Chase, without notifying me, increased my payment. This increase was in violation of the original terms of the loan. The loan was established with a fixed rate, 30 year term, with no escrow for taxes or insurance. I pay the taxes semi-annually and the insurance is paid annually in XXXX, both are paid and are up-to-date. 

When I called Chase to try to resolve the problem I was kept on hold for over 40 minutes as a " Supervisor '' researched the issue. Clearly Chase, despite having cost American taxpayers trillions of dollars in a bail out that was necessary because of their greed continue to operate like a criminal enterprise. They illegally increase costs to customers and when confronted delay responding to any complaint.
Consumer complaint received 2023-06-16
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)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rubin & Rothman, LLC (NY)

I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.
Consumer complaint received 2015-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Southwest Credit Systems, L.P. (NC)

I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY! 
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back.
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.
Consumer complaint received 2015-08-24
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: National Financial LLC (DE)

My name is XXXX XXXX XXXX. This issue with a Loan Till Payday account was previously reported to you for collection practices, etc. I had a pay day loan in 2013. At the time, I banked with XXXX XXXX, who advised me that pay day loans are not good, and in the end XXXX closed my bank account, it was involuntary. In the interim, I made payments to the agency. XXXX and XXXX were the primary contacts. On the last payment, due to the fact that I told him I was coming in to pay cash, and they withdrew the funds, electronically, my account was affected. XXXX advised me that the payment made was the last payment and the other ( which was primarily interest remaining ) would be charged off. XXXX later called me and advised that XXXX was not authorized to make that decision and demanded the payment. I do n't understand how one person can cancel the arrangements made by someone else. 

In the end, they sold my account. It was reported to you, and that creditor then stated no further collection activity would occur. 

Last week I began receiving calls from a collection agency, XXXX XXXX stating I would called for a civil deposition on this account. I do n't even know this agency. Later, I then received another call stating that I needed to hold, and after several clicks was connected to someone at a Mediaction service. I denied the owing the loan and stated it was paid. 

Today, I received a call from an outsource service courier about a missed appointment or hearing??? What?? I have no idea who these people are. I called Loan Till Payday and was advised the loan was sold and I needed to settle with the new company. So, does this mean they are continuing to attempt to collect {$200.00}. 

I attempted to call the numbers, and now no one picks up just a voicemail. I called the supposed service courier and advised that their number was showing up as a spam/fraud number and that if they were a legitimate company then they should leave their name, location, a number ( not a voicemail ), and the case they are calling me about. I have not been served with any collection documents - why am I being threatened with a deposition??? 

Telephone number recently calling me : ( XXXX ) XXXX. 

Please help.