davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
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)

THE ACCOUNT IS A PAID AND CLOSED ACCOUNT THAT WAS NOT SUPPOSE TO REFLECT ON MY CREDIT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY FILE. THE ACCOUNT APPEARED ON MY CREDIT WITHOUT MY AUTHORIZATION AND I WOULD LIKE TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT.
Consumer complaint received 2019-08-06
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: AMERICAN HONDA FINANCE CORP (FL)

An auto loan with American Honda Finance went into charge off in 2013 after a medical emergency which left me unable to work for 6 months. Back in 2013 I spoke to the American Honda Financial Services representative, I got a verbal agreement over the phone stating the charge off would be removed and that he would take care of the credit reporting once the car was paid. I paid the car off in full. I received Paid in Full Letters and a lien clearance letter from American Honda Financial Services. The charge off 's were never removed from my credit report. Fast forward seven years later. I have disputed these items multiple times. The only credit reporting agency which refuses to remove it is XXXX. I have called over 15 times in the last 2 months. They tell me a different story every time. The representative keeps stating that there is nothing that they can do without  authorization. I provide them the authorization letter ( Lien Clearance ) from American Honda Finance and they tell me I have to continue to dispute it until it is removed. It has been years of back and forth. The information on my credit report is inaccurate and what XXXX is doing is illegal. I provide them all the information that they request and they refuse to remove it. I recently redisputed the same negative item and Myfico score went down. American Honda Finance updated the information that caused my score to go down. XXXX  is the worst of the three credit bureau. In my experience, XXXX will side with the lender even if the information is incorrect.
Consumer complaint received 2021-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Back in XXXX, I consolidated my student loans through myfedloan.org. The loan was originally from XXXX. Myfedloan " overpaid '' the amount that was due and never bothered to note the issue. XXXX made an adjustment and myfedloan never noted the adjust of {$500.00}. I have tried to call, call, call, email and write on their twitter handle to no avail. 

This company is committing pure fraud and trying to basically " steal '' money from me and I'm sure millions of others as well. The federal government should take serious company because their business practices are very unethical. When XXXX made an adjustment, myfedloan ignored the adjustment. 

Please reprimand this company and their shady business practices.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Experian. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OK)

I do not accept the lies Citi Card is still pushing. They lost my payment and blames the post office when my other payment was received just fine. They would not pull up my actual payment when I asked twice. How convenient! I will file complaints and dispute all of Citis lies as many times as it takes. Every time someone contacts me they just repeat their lies and refuse to incorporate any of the facts I told them! I am amazed at the terrible service that good paying customers receive and I canceled prior to the XXXX. I
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Hello, this is following complaint of XXXX at Chase Credit Card. 
I just spoke with the Agent XXXX ( I XXXX ) at XXXX on XXXX. 

She accused me even though when I tried multiple times to make her understand the situation the whole 3 months process. When she did not even calculated the amount, doesn't have my fax, doesn't have my e-mail follow ups. 

I said the payment that I made on XXXX XXXX  is actually including some of the future transactions from that day. However, if you look at the next statement, those transactions are not reflected and miscalculated so Chase still charged me. I calculated and I don't think it matches so I sent this information of transactions I think it needed to correct to Chase to make sure. 

However, the Chase agent kept saying that I am responsible for the charges so I said that is not my point and I already said I am willing to pay the original amount but not the late fees because I followed the directions that you guys told me at the bank and the agent over the phone. 

She simply ignored and keep saying her point that I am responsible for the transactions even when I tried to explain when she had no data at all of my follow-ups. so I told her then can you calculate from XXXX to XXXX to the point that I made on payment. She said no and I asked her why but she kept saying no. She was just insisting me to settle the payment today without any actual information checksor detailed information. Even worse, when I asked her why she just ignored.

This is corporate 's threat when I tried so hard for three months to understand them and corporate them. Sadly, none of these were followed up and I asked to check the information they don't try.

I am not going to pay any late fees at all because I followed up the directions that Chase gave me and it is Chase 's fault to tell me the amount that I need to pay. Also I have been corporating very well for three months. Not only actively asking and making phone calls, but faxed them as well. However, Chase keeps making mistakes and they just want me to cover for their own mistakes.
Consumer complaint received 2022-10-11
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-12-13
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. (PA)

It is with grave sadness I am writing this complaint against Credit Bureau, Equifax. Everybody knows how important credit report is. Well, I disputed bankruptcy items on my Consumer Report with Equifax on XX/XX/21 and again on XX/XX/21 and Equifax kept on being deceptive and failed to honor the state and Federal law concerning their responsibility regarding Consumer 's Right to privacy, etc. on one 's credit file. On 12/11/21, Equifax sent me another reply to my dispute saying they verified the report as correct. 

Equifax lied! They had no way of verifying my information as correct because I had placed a Security Freeze on my file since XX/XX/21 and the freeze is still in effect. Equifax has essentially violated my rights as a consumer, violated the FCRA rules, and violated the CFPB rules. I am asking this office to have Equifax delete such negative record permanently. I did not give my consent for any of the parties involved to access, share, sell or manipulate my personal consumer information, under the law. If you have further questions or concerns, please contact me by email or by telephone as soon as possible.
Consumer complaint received 2022-03-27
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 I received an email response from XXXX XXXX stating that the account that was fraudulently opened due to identity theft was going to be removed from my credit report. Nearly 3 months later this account has been added back to my account with 2 missed payments. Experian has violated the FCRA by reinserting an account that has been labeled as fraudulent
Consumer complaint received 2021-12-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (PA)

I recently traded in my leased XXXX XXXX XXXX early in exchange for a new XXXX XXXX XXXX vehicle for lease. About 1 month after returning the XXXX vehicle, I received an invoice for the amount of {$100.00} for " excessive wear and tear '' for a scratched rim. I contacted Volvo Car Financial Services explaining that I had purchased the premium tire and rim protection plan for this vehicle so that warranty would pay the amount for the rim scratch. I did state that they had no proof of my doing this damage to the car as I turned it in to the dealership upon taking ownership of my new vehicle. Volvo Car Financial Services said to please fax them a copy of the policy, which I did, and they are stating that this warranty does not cover " excessive wear and tear. '' I explained that they should not code this as " excessive wear and tear '' but as a scratched rim. They would not waive the fee, and as a valuable three-time leasee, I feel their customer service is abhorrent and unprofessional. The representative said, after calling me Ma'am several times when I corrected him to say it was " Sir, '' they would turn me into a collection 's agency, and I stated I would contact the XXXX XXXX XXXX XXXX AL as well as the three major credit bureau agencies and state that the car is now out of my possession and am in a new vehicle, responsible for the new vehicle, not the old vehicle. After the XXXX  contacted Volvo Car Financial, Volvo stated they would reduce the amount to {$84.00}. This is unacceptable and completely unnecessary to treat a loyal customer this way. The warranty was paid for and if there is a scratch, the warranty I paid for will cover it.
Consumer complaint received 2020-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I have contacted Bank of America multiple times that I need an explanation in writing why they have shut my LOC down .. I have never been notified in mail why they have terminated the line of credit .. I have been making monthly regular payments. I emailed and sent requests for them to contact me and never received any reply.
Consumer complaint received 2021-12-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

I applied the loan on XX/XX/XXXX XXXX improvement loan and web site indicated two business days loan will process. 
I called today XXXX XX/XX/2021 XXXX XXXX answered my called XXXX and he provided bad customer service and he keep asking lot of documentations. I provided what they needed and he still make me upset not give any positive feedback. 
I felt I have been discrimination .I asked him to transfer this call to his supervisor ( Name called XXXX  ) and he also very unprofessional answered my call. 
They collect all my information and not given positive feedback.
Consumer complaint received 2021-12-13
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)

I am aware that Experian is significantly violating my rights as a federally protected consumer. I spoke to an agent XXXX today and asked that he blocked specific accounts that were a result of identity theft and XXXX refused to block the information. I have already provided documentation which is required by federal law, yet the agent refused to block the information. I then asked to speak to a supervisor and XXXX wouldnt provide me a supervisor.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have this BoA debit card since XX/XX/XXXX I think it s alredy been 10 years! And I get a letter from them XX/XX/XXXX they said my bank will be closed, I dont know why, I try to call them ask why, they said they cant tell me Please help me
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AL)

Was notified via phone message from " American Express fraud department '' someone had tried to open an account in my name, was asked to verify my social security number, name, and date of birth. After two attempted phone calls back to American Express, I retrieved a safe phone number I thought from American Express website I did verify my name, date of birth, and only the last 4 digits of my social security number. The date was XX/XX/2021. 
I ran a credit report today XX/XX/2021, it shows a " Hard Inquiries '' on XX/XX/2021, from AMEX as well as XXXX XXXX/XXXX  on the same day. I did NOT request to open either of these accounts. 
I will attempt to notify American Express again. 
Thank you
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NC)

I filed a dispute with XXXX and XXXX and within 30 days the account was deleted from XXXX and XXXX reported it was variafed. So I would like American Express to give me proof of there investigation results.Here is a copy of the findings so please ask American Express to show me I accepted liabilities for this account
Consumer complaint received 2022-09-24
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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. (IN)

on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (KS)

I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XX/XX/XXXX Bank of America paid my property taxes on my behalf and created an escrow account without my knowledge to repay. I also paid my property taxes. My county treasurer and I discovered the mistake. My county treasurer refunded their amount and in XXXX of XXXX I paid Bank of America the other refund for the fall taxes they also paid without my knowledge. The escrow account is receiving all of my monthly mortgage payments and my actual mortgage amount is standing still. Bank of America is also charging me late fees and interest for every month that goes by. In the meantime, it was also discovered that Bank of America has paid property taxes on a parcel that was sold by me XX/XX/XXXX. I do not and am not responsible for that transaction. I have communicated via telephone numerous times with Bank of America about their errors but have not gotten closure.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Google Compare Credit Cards Inc. (ID)

Google Pay is refusing to pay out a {$10.00} cashback deal for spending {$25.00} or more. On XX/XX/11, I bought {$30.00} of goods at XXXX with the offer activated and using my linked card. The goods were stamps and envelopes, which are not prohibited in the terms. XXXX is claiming that my previous purchase at XXXX earlier last week, which was for a {$25.00} gift card that I thought would activate the offer but was invalid for the offer, was actually when I used the offer. This is clearly not true, as the offer still shows activated on my phone and there is no description in the terms that it is invalidated when you make a gift card purchase. I have emailed them, but their support is not cooperative.