davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WI)

Hello : I have established credit since XX/XX/2000 and the creditors are sending my credit history to all ( 3 ) Credit Bureaus. However, Equifax Report does not reflect any credit history information for the past 6 years.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

On XX/XX/XXXX a company reported on my credit report as an account open on XX/XX/XXXX, a last payment date of XX/XX/XXXX and last reported XX/XX/XXXX. The company shows as XXXX XXXX XXXX. I looked into this and I seems to be from a closed university named XXXX University. If this was my loan, XXXX I have no knowledge of it XXXX the school is closed XXXX I have filed bankruptcy and the school I was aware of was notified of the bankruptcy and either they never responded for a claim or they were included. The statute of limitations has expired and this should not be reporting, I filed bankruptcy and included the school I went to and I have no knowledge of any account that money was owed on.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I applied for a loan to buy a condo, start the process around XXXX of 2020 with the bank of America. I have been an account holder for more than 15 years. During the process with the Loan Officer I got the pre-approved letter for XXXX. My credit was check twice, first on XX/XX/2020 and last on XX/XX/2020. Everything was crystal clear, my direct deposits from my work goes to my account at the Bank of America. I spent a lot of time looking for a place, and finally I got the one I want it to buy. The Loan Officer help me to do everything I needed to be satisfied with the bank. The condo 's price was XXXX so I assume was within the price I got the pre-approval. Therefore we went ahead with the process. Already in XX/XX/2020 the XXXX said everything is fine with the loan. The closing was for XX/XX/2020. Additionally I proceed with the Inspection {$150.00}, the Appraisal which was paid to the Bank of America {$580.00} ( XX/XX/2020 ), HOA application {$100.00}, The officer said I need a online class for first time home buyers {$35.00}. After all six months of stressful and expensive process, I got a call from the officer that my loan was DENIED! I feel discriminated and deceptive by the Bank of America. Why they did NOT denied the loan at the beginning? They caused me a big financial and emotional distress.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (PA)

I have an account on my file from the XXXX XXXX XXXX. ( Account number XXXX ) I disputed this account for being outside of the 7 year federal obsolescence period for remaining on the file. The bureaus removed it. 

One month later the account came back on my file. XXXX XXXX changed the data on the account to put it back into the obsolescence period ... but didn't count on the fact that I have copied the way the account looked on the bureaus before and after it was removed. 

I have attached two copies of how this account appeared on my file. In XXXX, you can clearly see that the last payment ( the date used to determine the obsolescence time period ) shows as XXXX of XXXX. Since the credit bureau industry uses 6 years and 9 months instead of 7 years ( to assure they remain in compliance ), it was properly  removed. 

But XXXX XXXX then CHANGED the data on the account. They removed the last payment date entirely and then deleted all historical payment date prior to XXXX. Thus giving a new obsolescence date. 

Now the FCRA provides two levels of non-compliance. 1 ) Negligent Non-Compliance where someone just makes a mistake. 2 ) Willful Non-Compliance where someone manipulates data to trick the system. The second non-compliance holds that a consumer make seek damages. 

It is clear that the XXXX XXXX XXXX is manipulating data to put items BACK on consumers files in violation of federal law. This should be a class action lawsuit as I am sure this is happening to any of their customers whose collections are removed for obsolescence reasons.
Consumer complaint received 2020-12-09
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. (IA)

On XX/XX/XXXX I filed a dispute with Ally for reporting an incorrect late payment on my credit, which is preventing me from refinancing my house at a XXXX loss. They admitted originally that this was their error as my account shows all on-time payments. Additionally they have had 46 days to correct the problem and the only response they will give me is they will send an email to the credit department to try to expedite it. I originally filed a dispute directly with them to speed up the process, but to no outcome. They will also not give me contact information such as a phone number or email to the credit department that can actually remove this error from my credit.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I went to XXXX to send {$530.00} to citi bank to pay my secured credit card bill. It takes 2 days to go to my card. So on XX/XX/XXXX I checked and see if it went on the card. It didnt. So I called citi to find out what's the problem. They saying it's under investigation. So it will be available to you on XX/XX/XXXX. So today is XX/XX/XXXX and I checked. My {$530.00} is not in my account. So I called this morning and now they telling me XX/XX/XXXX. I told them why it's taking so long. They said that's when it's going to be available. I said you told me that the first time and it wasn't. I said if I wait until XX/XX/XXXX what happens if on XX/XX/XXXX you tell me another date. It makes no sense. It's a secured card so that means it's my money not citi.
Consumer complaint received 2020-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Spoke with I C Systems on XX/XX/2020. Was sent to the management team, XXXX XXXX Employee number # XXXX. The company was unable to verify the information and existing debt. The account was placed for collection for an account that isn't mine. Nor have I lived at the address stated.
Consumer complaint received 2020-10-29
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)

This account with XXXX XXXX has been settled and paid. I spoke with my representative at XXXX and I was assure that the account will report on my credit report as closed with XXXX balance is due. Unfortunately my credit report is showing Charge Off with an amount due.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (MI)

I sent a letter of verification to Experian regarding an collection on my credit report on XX/XX/2020 and they have not respond. I sent another letter on XX/XX/2020 telling them the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) gives them 30 days to investigate, if they cant verify the information they must delete the account or they can receive a {$1000.00} fine. I have still not received verification, a deletion from my credit report, or even a response from Experian 60 days letter. Each letter was sent via certified mail so I have the letters I sent as well as the signature from the US Postal Service verifying the letter was received and signed by a person from Experian. I am filing a complaint with you, because now Experian has now broken the law by failing to respond and not deleting the account from my credit report.
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (GA)

On XX/XX/21 I sent a certified letter to a dispute letter to IQ Data International to verify a debt they claimed that I owed over 30 days have gone by and this company is in violation of FDCPA, section 809 ( b ). This company is attempting to get a {$1800.00} payment and have constantly called me even after I asked to be placed on the do not call list as well. I don't owe this harassing company a dime and I'd like them to obey the law and remove this negative report that they did not verify.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

PayPal are creating fictitious purchases of the same amount of purchases that I already made. So I am being charge twice for the same amount. Is not the first time they do this. This happen back in XX/XX/2020. I spoke to them and they apologize and remove the amount. But they are still doing it. They need to be audit. I am going to call them so they can remove these amount once again but they need to be audit and charge for fraud.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (IL)

To whom it may concern : AMEX is reporting an alleged account in the amount of {$1400.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

To whom it may concern : Synchrony Bank is reporting an " alleged account '' in the amount of {$1800.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

1 ) I have called Equifax four times requesting a free copy of my credit report. Each time I was told it will be mailed to me, but I still have not received my report. 2 ) I am also unable to get a free copy of my Equifax report through XXXX because the security questions used to verify your identity do no pertain to me. XXXX says the questions are generated by Equifax so I need to contact Equifax. I have asked Equifax to correct the security questions multiple times so I can get a copy of my report, but Equifax said there is nothing they can do when I have called them about it. So ... I am unable to get a copy of my credit report from Equifax when requested, AND I am unable to get a copy online through XXXX either. I have attached two examples of the security questions generated ... none of which pertain to me or my credit file. When I check " None of the above '' it says it can not verify my identity and so I need to contact Equifax.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (TX)

XX/XX/2019 an inquiry from XXXX XXXX XXXX was made. Company was called and contacted on XX/XX/2019 no reply or validation from XXXX XXXX XXXX XXXX Experian. Please help me resolve this matter to delete the inquiry. These company did not have my permission to assess my credit report.
Consumer complaint received 2020-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2020-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (IL)

To whom it may concern : Navy Federal CU is reporting an " alleged account '' in the amount of {$14000.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.
Consumer complaint received 2020-10-29
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. (NC)

An alert came to my phone about a debt that I do not recognize. The amount is {$1100.00} and the account # is XXXX. I was never notified by the original creditor or collection agency regarding any of this information. This is very much indirect communication. I am a victim of identity theft and experian is very much aware of that. I was shocked to find this negative/fraudulent account in my credit report. I had a good credit score rating before this issue. This is damaging to my credit and character.
Consumer complaint received 2020-04-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

Payment Errors : Your company did not properly credit 2 separate payments that I made on XX/XX/2021 in the amounts of {$1100.00} and {$2900.00}. These payments should have been credited to : o The {$1100.00} should have been credited to a shortage that was needed to ensure payments would not be increased. 
o The {$2900.00} should have been credited to XX/XX/2021 mortgage payment Instead you improperly combined these two separate checks which were labeled for their intended purpose to : XX/XX/2021 mortgage payment of {$3100.00} on XX/XX/2021 A payment of {$45.00} for XX/XX/2021 {$820.00} Principal Curtailment or extra principal payment Your company did not properly credit the payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Instead, you incorrectly for a month inaccurately showed that the XX/XX/2021 payment I sent was applied on XX/XX/2021, why was this applied so late. 
o Then on XX/XX/XXXX you applied an erroneous Principal Curtailment or Principal payment of {$4100.00} that we never even made. 
On XX/XX/2021 we received a letter from our bank letting us know that the XX/XX/XXXX Check was never even cashed. 
Your company did not properly credit the payment I made on XX/XX/2021 of {$3000.00} o Instead you applied it to the XX/XX/2021 payment Your company rejected the full payment I made on XX/XX/2021 in the amount of {$3000.00}. 
o Your company sent back my cashiers check saying that it wasnt signed. 
To my knowledge and as with the other checks you do not need to sign. 

Fee Errors : Your company incorrectly imposed several late fees on us due to all these errors, this needs to be fixed
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I've had a problem with Equifax there's no credit score or credit file for my Equifax account. Since XX/XX/XXXX I've had an unavailable score credit score. I'll let you know when this will get resolved.? According to the Fair credit reporting act I should have a credit score it's been like this since XX/XX/XXXX right now it is XX/XX/XXXX it's been going on for about almost 4 months.
Consumer complaint received 2020-10-29
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. (MO)

Equifax should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2020-08-29
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: Santander Consumer USA Holdings Inc. (WA)

Chrysler Capitol decided to turn off the autopay on my lease for the last month which caused my lease payment to go late. After three years of auto payment with no distinct warning it was changed. I paid it immediately on late notification from my credit monitoring - no late information ( call/email ) from Chrysler. The company has removed the late fee for my account but refuses to remove the reporting to the credit bureau which is incorrect. Please correct my credit score as the late fee was acknowledged by Chrysler as incorrect and was waved.
Consumer complaint received 2020-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (IL)

To whom it may concern : Online Information Services is reporting an " alleged account '' in the amount of {$100.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I made a dispute with a charge with city and the process has been far from a process of arbitration. The merchant 's " evidence '' was nothing more than the receipt and the websites ToC. The merchant provided no proof that the service promised was provided. I have attempted to contact the merchant for a month as well as the subcontractor and am at a wits end at the lack of response from XXXX or XXXX. They appear to have little to no people manning their customer service lines which makes it hard to get any documentation other than the emails sent to them attempting to contact them which lead to run around responses that provide no resolution or help. I was not able to fly due to coronavirus COVID 19 epidemic and am just trying to get the original airfare back for a service I never received.
Consumer complaint received 2021-08-19
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. (NY)

I had made purchase of an airline ticket dated XX/XX/XXXX in the amount of {$930.00}. I had cancelled the ticket due to travel restrictions and merchant provided the partial credit on XX/XX/XXXX worth {$770.00}. But in the month of XXXX they charged me again with the same amount and in the XXXX statement I see charge for {$770.00} dated XX/XX/XXXX as per the statement. I reached out to Citi bank and I had provided the same information multiple times. Each time they came back with same answer that I already got refund on XX/XX/XXXX which is not true as it was charge back again on XX/XX/XXXX. This is fraud for services never received and harassment from bank. Please help
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

The chronology of my issues with Hyundai Motor Finance are as follows : XX/XX/20 sent a pay-off check for my vehicle via Next Day Mail XX/XX/20 the check was cashed XX/XX/20 made the first inquiry as to the status of my Vehicle Title and was told that is was an Electronic Title that needed to be transmitted to California XXXX but that had yet to occur. A commitment was made that the Title Dept would be notified and my document would be expedited. 
XX/XX/20 followed up on the title status and was told exactly what I was told a week prior. The document had still not been transferred. I requested a supervisor. For a third time the supervisor gave the same response. the Title Dept will be notified to expedite your document I was also advised by the supervisor that she could only communicate with the Title Dept via email and it would take five days to get back a response! 
Recapping, a customer has called three times for help getting their title document and the Customer Service Representatives who are there to help can only communicate via email with another Dept. who then takes 5 days to get back with an answer. Meanwhile, I cant sell my vehicle without a title and I have to continue to pay insurance on it. 
This is undoubtedly the worst Customer Service organization I have ever had the displeasure of being involved with.