davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX. 
According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law. 
A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness.

In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MN)

I opened up a Citibank checking and savings account under a promotional period. The promotion stated that I fund the accounts with {$15000.00} of " new to Citibank '' money and maintain the balance for 60 days. At the conclusion of the 60 days I would receive a deposit of {$400.00}. Opened a Citibank checking and savings acct on XX/XX/XXXX. 
Funded it with {$15000.00} on XX/XX/XXXX. Called mid XXXX to see where to promotional deposit was and was told that it was 60 days of having funds in the acct plus the additional 90 days of processing to see the promotional deposit. Called XX/XX/XXXX and was told that the XXXX XXXX holiday on Monday pushed the distribution by a few days and that I would see the money by XX/XX/XXXX. Called XX/XX/XXXX since I have yet to see the promotional money and now am being told that my acct does not show any sort of a promotion attached to it. Investigation was started on the XXXX and called XX/XX/XXXX to follow up and was hung up on.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OH)

On XX/XX/XXXX {$180.00} was taken out my account without my permission from Key Bank. I notified the bank was given a phone number to call, I called the number and it said it was no longer in service put in a dispute and was denied. I have been denied my money since XX/XX/XXXX up until XX/XX/XXXX I have put in five or six disputes and all were denied I was told that they contact the company and spoke to someone and they told them that I purchase something from them I asked the bank can I get the company 's name phone number address and what did I purchase and I was told that they could not give me that information
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

I ( XXXX XXXX XXXX ) tried to close my Delta Gold American Express b/c of the annual fee of {$95.00}. I stopped using the card. I called nearly half a dozen times to request closure. Amexp kept giving me the run around, trying to keep my acct open. Finally a male supervisor in XXXX said he would reverse the {$95.00} and call me to follow up within 72 hours. That was XX/XX/XXXX or XX/XX/XXXX. Never happened. 

I called again on XX/XX/XXXX, and spoke to XXXX. XXXX opened an XXXX complaint to Corporate to remove annual fee. XXXX # XXXX. This is what she told me she wrote : XXXX basic card member called on XX/XX/XXXX to cancel her card product. XXXX was outside 30d window. supervisor based in XXXX would remove annual fee and call in 72hr to confirm No call was placed and annual fee was not removed. Due to that effect it caused a late fee and finance fee. XXXX paid balance in full minus the {$95.00} based on what the supervisor told her. 

It is now XX/XX/XXXX, and Amex seems to have turned my card to collections. 

My husband XXXX XXXX is going through the exact same thing!! We tried to close his account b/c of the fee. He stopped using the card months ago. Amex tries to talk him into keeping the acct. He asks for a downgrade to a free card. None available. Amex claims that they ca n't reverse the annual fee for XX/XX/XXXX even though we have n't used the account since the fee was assessed. Moreover, we stopped using the account months before the fee was assessed. 

AMEX does this every single time. We have never experienced this with any other bank. Then Amex tries to charge late fees and interest charges based on the annual fee alone!!!!! This is unconscionable.
Consumer complaint received 2019-05-30
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)

I have disputed the XXXX XXXX XXXX account with Equifax and demanded a deletion because they are reporting an inaccurate open date on this account. It is a violation of the FCRA for a credit bureau to not thoroughly investigate an account. It is a violation to continue to report inaccurate information on my credit report. Equifax states that they verified the account but how when the documents I received from XXXX XXXX do not match what it is reporting?
Consumer complaint received 2016-07-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for Business loan products at NFCU whereas I believe the loan analyst XXXX XXXX XXXX XXXX XXXX is not properly trained or using discriminatory practices. I submitted all required documentation on XXXX XXXX. On XXXX XXXX I asked how long is the processing time frame? XXXX XXXX stated he 'd have a decision by the following week. The following week he reached out only to ask a question already answered on my application. " Which property would be used as collateral? ". After not hearing from him by XXXX XXXX, I reached out asking for a status. Only then, Me. XXXX told me the NFCU had implemented a new process that required a new application to be completed and the processing time would be delayed until the following week, etc. I began to complain and ask when were you going to tell me .... as I have been waiting for weeks for an update. XXXX XXXX became defensive but promised a decision that Friday ( 2 days later ). His decision was " denied '' based on the following reason which are unsupported and contradicted below. 
Delinquent credit history Policy - too many active, revolving accounts Poor credit performance with us This is a business XXXX loan request for $ XXXX and business credit card to expand my small business. The loan would be secured by a business owned property that NFCU appraised at over {$210000.00} in XXXX XXXX. The comparables has since risen based on recent property sales. Also, the property is free and clear with no outstanding mortgages, liens, etc and produces {$1500.00} in monthly rental income deposited into my NFCU business account. In summary, I would be borrowing less than 50 % of the home value of a free & clear income producing property. The risk is very low here. 
Second, this is a business loan whereas I pledged as a personal guaranty. My guaranty should only be an added valued. Why is the loan decision based solely on my personal credit history? It does not appear they considered the business income, collateral or anything business related here. 
In contradiction to the above, I have been approved for a few loans with NFCU over the past year 1. ) in XXXX XXXX a credit card for {$25000.00} ; 2. ) in XXXX XXXX, a personal loan for {$8000.00} ; 3. ) the most recent was XXXX of XXXX ( 2 months ago ), NFCU approved me for a {$25000.00} personal loan with no collateral which contradicts the above statement regarding " poor credit performance '' with NFCU. Over the past 20 years with NFCU I have been late less than 3 times but never over 30 days late whereas it impacted my credit report. 
I think that XXXX XXXX made an unfair decision in haste and out of resentment because I complained or perhaps he is not properly trained. I am requesting a thorough review of my application be performed and the questions below answered. 
1. ) What are NFCU practices regarding business loans and ; 2. ) Did XXXX XXXX XXXX follow the practices accordingly?
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MI)

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with SLC STUDENT LOAN TRU that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on XXXX   and XXXX as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act.

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX  and XXXX reports.
Consumer complaint received 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (GA)

I was granted a loan modifiation. The stipulations was that if I missed no more than 3 payments in 5 years, then I will have {$5000.00} of the loan balance forgiven. I have never missed or was late on a payment! In the fall of XXXX, my loan servicing was transferred to Greentree, now known as XXXX. In XXXX XXXX, I noticed an error in my escrow account. I ask them to fix it. This let to a living nightmare!. They redid my escrow 3 times in 4 months with mounting errors and problems. ( Enclosed ). In XXXX, XXXX, I paid what I thought was the correct amount. This company cashed my check, but did not notify me of any errors. On XXXX, XXXX, I paid the same amount. This company, without my permission, took part if this payment and applied it to the XXXX payment. I did NOT get any com. From them Then, I sent them 3 checks, one to cover the remainder of XXXX and one to cover XXXX and another to cover escrow. Then, This company this 3 things. 1. Reported to the credit bureau that I was 3 months behind, 2. Denied my loan reduction. And 3, denied my request to pay my own taxes. I want this company to 1. Fix my credit report to report the truth. My report does not even show a reason for the 2nd month. They were being vindictive. And 2. grant my loan reduction. Oh, by the way, they are transferring my account, but they made this error and they should fix it.
Consumer complaint received 2016-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (NM)

I noticed this debt collection company has been listing a collections account on all my credit reports. I never received any correspondence from this company and never received a notice of right to dispute. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
Consumer complaint received 2016-12-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We were told that we have a past due payment on our mortgage account but we were n't told the month the payment was not received in XX/XX/XXXX or XX/XX/XXXX. I do n't even know the exact month and year we missed the payment. We never received a past due statement until XX/XX/XXXX and now we 're seeing a delinquency payment on our credit report. Also, we applied for a loan modification in XX/XX/XXXX of this year XX/XX/XXXX, and we were denied because the mortgage company said we were current on our loan, had received a previous modification and had positive cash flow. We 're confused because on XXXX hand they say we have a past due payment required but they have not provided us with any proof of this. We 've shared with them that they changed mortgage companies and maybe this is when the payment was misplaced but we have a history of paying our mortgage payments every month. On the other hand, it shows that they are saying we 're current on our loan. In addition, we were told that because we are in the XXXX year of our loan we qualified for a XXXX time credit of {$5000.00} from the Federal Government. They sent us a request form to fill out for the credit if we wanted it. We agreed, signed the papers, and our mortgage was supposed to change once the credit is applied to our principal, and then our monthly payments will be lower from {$2200.00} to {$2200.00}. This has not happen and our payments are being misconstrued. I feel like we 're being taken advantage of by this mortgage company, and we need help to have this situation investigated. 
Thanks
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (SC)

I was with chase card service since 1992 everytime i turn around they jack up my intrest rate.they claim it's the government doing it by law. I notice when my bill gets lower the intrest rate go up.from 1992 i suppose to have a fix rate.then went from 11. % to 14 % .call company may be 6 times over the years and they claim that im a value customer and will keep me in mind.but never lower it.so im paying high intrest fee on the money.so the last 2 years im just paying and not using the card but its a way to keep me in debt.
Consumer complaint received 2016-07-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Since XXXX 2016 I have had trouble with posting payments to my account. I have made all payments within payment time and they have not posted when made I have never been late on any payments. I followed all Citizens procedures and contacted Citizens Bank the last 5 months at least 70+ times on a recorded line. I also was told not to make payments and still made all on time, They said their software was not capable to handle my Home equity mortgage payment. we were reported to credit bureau which caused our credit score to drop from XXXX,XXXX,XXXX, to XXXX to XXXX They have agreed to fix this for me because of their mistake but I have heard this for the last 4 months We want our Credit Scores fixed with XXXX credit bureau asap, I have had credit scores around XXXX my whole life and have never been late on anything. Please help us with this issue Thank you very much XXXX
Consumer complaint received 2019-05-30
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. (MI)

On XX/XX/XXXX I wrote to all 3 Credit Bureau 's stating : I am writing to challenge the reporting and compliance on two accounts with XXXX XXXX XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect balance. 

It is listed as a closed, charge off account on Equifax and XXXX  as of XX/XX/XXXX. 

The account number is also inaccurate and incomplete, an incorrect account balance listed, payment status is incorrect, incorrect account status, and incorrect date updated. 
I challenge the accuracy, compliance and reportability of this listing. 
They failed to provide me with validation of this account within 30 days per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). They are violating the Fair Credit Reporting Act. 

The only Bureau 's who deleted the accounts was XXXX, but the accounts remain on my XXXX and Equifax reports.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am two months behind in my American Express payments ( {$3000.00} ) because I am awaiting a settlement check from an insurance company. This has been a stressful and financially difficult situation for me. My next door neighbor who lives in the apartment building I live in just knocked on my door to tell me she received a call from American Express looking for me. In fact she has been receiving these robocalls for weeks and only today finally answered the phone. I have been an American Express Gold Cardmember since 2010. I am completely appalled that they would breach my privacy and call my neighbor. I have no idea how they even got her telephone number. This has to be an illegal practice for American Express to share my financial details with anyone other than me.
Consumer complaint received 2016-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: National Principal Group, LLC (OK)

They are sending out robotic messages to not only myself but two other references that they may have in regards to me implying that they are some type of legal entity by the messages that they leave. Demanding that the people report to them about my whereabouts. I have contacted them 3 times already. I have refused to validate my social security number but I did give them my name. They assured me they would continue to keep calling until I verified it. I told them to cease and desist and I have sent them a written cease-and-desist order.