davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
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: CITIBANK, N.A. (TN)

I disputed 5 charges on my credit card for XXXX XXXX XXXX on XX/XX/2020 for the amounts of XXXX, XXXX, XXXX, XXXX, XXXX. The merchant contacted me and send me text after a month to withdraw the credit card disputes in order for them to give me full refund. I logged on credit card company website and withdrew the dispute. The merchant still has not paid me the money so I contacted the credit card company to reopen the dispute, but they refused because it is already disputed once. I understand the regulation now, but the credit card company should have made that clear to me on the website that if I withdrew the dispute, it will not be open again. 

I lost my dispute and my money. The credit card company has the responsibility to make the customers understand the rules and regulations.
Consumer complaint received 2020-09-02
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. (WA)

XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ Equifax & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Consumer complaint received 2020-09-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avant Credit Corporation (CA)

This debt is past statute for collections. XXXX XXXX. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
Consumer complaint received 2020-08-07
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I spoke with Experian credit bureau in regards to a creditor reporting incorrect balance. I called the creditor XXXX on XX/XX/2020 to inform them that the balance of my loan should be {$0.00} and account should be closed. The creditor provided me with information that was reported to Experian credit bureau which was correct information. When I called Experian back the same day, I explained to Experian that the correct information was reported from the creditor. After explaining what information the creditor had told me, the Experian representative hung up on me when I told the representative that I don't know who's reporting wrong information.
Consumer complaint received 2020-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (NY)

PayPal keeps sending me debt collection attempt emails and I believe Im the victim of fraud or and someone using my social security number because I never had PayPal nor owe anything to them. I would also get many phone calls threatening me and claiming to put me in jail ... very scary and Im really clueless as to what to do until a friend told me to file a complaint through here. XX/XX/2019 is what I see showing up on my credit reports and this is not right. Please help me this is definitely not valid
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

in XX/XX/2020, I made a purchase at XXXX XXXX. I paid off the account, then closed it. I was dissatisfied with the annual fee that would be charged to the account. On XX/XX/XXXX, a refund was issued. I have yet to receive a refund from Capital One one month later. In XXXX, I also closed a second Capital One card. A few days later, I had changed my mind, and wanted to reopen the account. I contacted customer Service. I was told that I can not reinstate the account, and I should reapply. I reapplied, received a hard inquiry on not one, not two, but all three of my credit bureau files, and was then declined. So now not only do I not have the open account that I was seeking, but I have THREE hard credit inquires for one application - how is that right? I have paid ALL of my credit obligations, on time, every month. I do not understand why I can not reopen an account, when I have been an excellent customer. Why is Capital One holding my refund? Why do I keep receiving auto loan letters, when I can not drive?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX 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 2018-08-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: YES AUTO CREDIT (OK)

I purchase a XXXX XXXX XXXX XXXX from Yes Auto on XX/XX/XXXX by placing XXXX down and making payments on the rest. On XX/XX/XXXX they came and repo the vechile stating I defaulted on the first payment. The issue I have is I never know when my first payment was due or where to make the payment. I searched through my paperwork that I signed and couldnt find any of that information. 

On XX/XX/XXXX I contacted Yes Auto to firgure out if they had repo the car because it was not parked where so parked it when went to work. Thats when I was informed they had repo it because my payment was due on XX/XX/XXXX. I tried explainning I didnt know when the payment was due and it was a mishap. I was informed that I had signed the paperwork and it was in my contract. They told me it would be XXXX repo fees plus my car payment of XXXX. I then informed them that I wasnt going to pay all of that considering I just paid a XXXX down payment on XX/XX/XXXX and wasnt intentionally trying to not make payment I simply didnt know when it was due. 

When I got to lot to obtain my things I staff person came out and got in my personal space about the key. I explained I was getting my thing. He got confrontional with me and I then told him I had a right to get my stuff in peace. Once I obtain my property I got into the car I drove in and being to leave. Then the same guy that was confrontational came running and jumped into the front of my car trying to prevent from me leaving then another person came and jumped in front of my car as well on the other side. Both were banging on my car. The first guy then started banging hard on my car staring stop the XXXX XXXX XXXX! 

Due to his deposition earlier I did not feel comfortable dealing with him and I also wanted to speak with the person that sold me car to discuss this matter and talk about my XXXX I had paid two weeks prior. 

I was informed that they tried calling me but I never got any calls to my job or personal number. I had called my reference the day that Yes can stated my payment was due and reference 1 told me that reference 2 had informed them earlier in the week that they had received a call from the car lot stating to the affect that they werelooking for their car. 

The issue I have is I didnt have the vechile 30 days before they took it back and I would have been more than happy to pay reasonable late fee if in fact I missed a payment. I dont understand how they can repo a car two weeks after someone gives them a down payment. 

My other concern is of the staff members jumping in front of my car and cursing me and behaving in a threatening manner and also trying to hold me against my will at the lot over a key, that is not worth much compared to my XXXX I gave them for a down payment on a vechile I intended on having longer than 2 weeks.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXDate Opened XXXX Balance {$180.00} Account Name : XXXX XXXX XXXX  Date Opened XX/XX/XXXX -Balance {$0.00} Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7800.00} Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX -Balance {$1600.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (OH)

This letter serves as a formal complaint about Navy Federal Credit Union, XXXX XXXX XXXX, XXXX, VA, XXXX - XXXX. This complaint is in regards to disparate refinance application practices, lack of communication, dealing in bad faith, and failure to follow through with closing on our refinance application after granting conditional approval and instructing us to pay for and obtain an appraisal. 

We first submitted loan documents to NFCU on XX/XX/2020. As of today, XX/XX/2020, NFCU has not closed our refinance. 

Upon submitting documentation on XX/XX/XXXX, we did not hear from our processor from NFCU until XX/XX/XXXX. Her name was XXXX XXXX. Most of our inquiries to XXXX either went completely unanswered or her responses were delayed for weeks at a time. We were so frustrated that we obtained the contact information for XXXX supervisor and reported her lack of engagement with us. XXXX was ultimately removed from our loan and a new processor assigned. 

On Friday, XX/XX/XXXX, we received notification that our loan was reassigned to XXXX XXXX, who is the current mortgage processor on our refinance loan. 

We received our conditional approval from Navy Federal on XX/XX/XXXX. We were instructed to pay for and schedule the appraisal, which we did. The appraisal was conducted on XX/XX/XXXX and we received the results of the appraisal on XX/XX/XXXX. 

We replied to all NFCU inquiries within 24 hours and submitted all requested documents within 24 to 72 hours of the request. NFCU has pulled our credit reports twice. And still, as of today, XX/XX/2020, they have failed to follow through to close our refinance, or to reply to our inquiries about the delay in closing. During our application process, XXXX also requested that we submit sensitive information via email, which is a practice that could be harmful to applicants. 

We are asserting that they are engaging in disparate practices, failing to communicate with us in a timely manner ( sometimes not at all ), and not moving forward in good faith. We have complied with all of their requests, including paying for an appraisal, and they continue to be largely unresponsive. 

We ask that NFCU be investigated for disparate practices, fraud, and applicant mistreatment.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

I have a credit card with XXXX XXXX XXXX that I pay in person normally. The store has been closed due to COVID and I am unable to make payments in person. I have called them repeatedly but the phone call is ended before I am able to speak to anyone. I have also used the online chat function in early XXXX and was told someone would email me to follow up but was never contacted. I have no other way to make payments. My card now has several late payments and has been closed even though I have been attempting to make payments this entire time. I have since called back several times and have never had someone answer before the phone call hangs up.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc. (AZ)

I called to set up a payment plan with the company made my first payment and asked if there was a way for me to get a copy of the payment plan for my records in the event that i want to show it for proof when renting an apartment and was told that they can not give me no such thing and i believe that is not right if i am paying it off as the consumer.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

.My name is XXXX XXXX XXXX XXXX i have 2 credit card accounts that's hurting my consumer report XXXX XXXX , XXXX XXXX XXXX  that i paid on time and shouldn't be reporting late or closed as a late account that's a violation of 15 U.S. Code 1666b - Timng of payment i have a car loan that is reporting that's not mines ( XXXX XXXX XXXX ) and the account is not related to me the financial institution violated as well as the consumer reporting agencies 15 U.S. Code 6802 - obligations with respect to disclosures of personal Information, they also broken 15 U.S. Code 1681b - Permissible purposes i never signed no documents stating this inaccurate information can be reported i never not disclosing letters. I have the right to Sue and take legal actions for defamation of character, but i did file my FTC report and the law 15 U.S. Code 1681c-2 - blockage of information by filing my FTC report within 4 days the information on the credit cards should be deleted off my consumer report or updated as paid both credit cards XXXX XXXX , XXXXXXXX XXXX  XXXX on time 100 % or delete them both off my consumer report. The law states 15 U.S. Code 6805 Enforcement - that the CFPB is required and Authorize to make them uphold the law and remove the negative items that is not mines & reporting
Consumer complaint received 2020-09-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX Dear XXXX XXXX  Im losing patience here because I have to keep writing you guys about this inaccurate charge-off and you guys keep coming back saying the is accurate. I need you to stop lying to me and to the CFPB stating that its accurate on the previous complaint and hes the compliant number # XXXX. Please look what XXXX responded they confirm that this account is accurate. 

Creditor : XXXX XXXX, Account number : XXXX Inaccurate information such as - Account Type on all three credit bureaus. 
- Terms on all three credit bureaus. 
- Comments on all three credit bureaus. 
- Payment History on all three credit bureaus. 
- Last Payment is in XXXX and why on my Payment history is show that XXXX of XXXX has a on time Payment. 

I did everything you told me to do. So why is it still reporting on my credit report? Why did I get another letter stating that it was verified? How is that possible, when the other two credit bureaus did the same investigation and the item Can you tell me what data you are using to verify this charge-off account? Because the other two credit bureaus are reaching out to the same creditor to investigate this charge-off account? Im not a complainer but I feel that your company is not looking out for my best interest so Im getting ready to filed complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state and Consumer Financial Protection bureaus, because you have failed to fix the problem. Please re-investigate the account below as I have provided you with new information. 


Sincerely XXXX XXXX
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (GA)

I sent in several dispute letters to have certain items removed .. I received an updated credit report with the same negative accounts reporting stating before and after but they are the same .. I requested original documentation be mailed to me with my signature I did not receive it ..
Consumer complaint received 2020-03-19
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. (NJ)

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX  ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD. 
THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.