davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (TX)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) - if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) - if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information.

( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

The 11 accounts named Dept of Ed/XXXX  with acct # XXXX was removed from my Equifax report because of inaccurate information that was being reported on XX/XX/XXXX. I contacted XXXX & XXXX multiple times to get this information updated but stated the accounts came back as verified. This specifically violates my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ). CFPB Complaint # XXXX for reference of deletion. 

XXXX shows : {$35000.00} Equifax shows : {$0.00} XXXX shows : {$35000.00} Equifax was suppose to report this information to the other 2 bureaus Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( D ) and by Law XXXX XXXX XXXX violated my rights Pursuant to 15 U.S. Code 1681s2 ( b ) ( 1 ) ( E ) wish states all inaccurate information is to be deleted upon notification. 

On XX/XX/XXXX I notified XXXX and XXXX through the CFPB both companies. 
XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX This can be tailored to Equifax Complaint ID : XXXX ON XX/XX/XXXX
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. 
Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

I was advise that a collection of {$9800.00} was due to the XXXX XXXX XXXX  for apartment complex. the information provided was incorrect as I gave the 30 day notice to XXXX XXXX who was the Recertification Specialist on XX/XX/XXXX due to the property being sold to another company and i was not staying on board as an employee with them but staying with the XXXX XXXX XXXX as my employer. I paid my lease all the way up to XX/XX/XXXX as my lease was from XX/XX/XXXX to XX/XX/XXXX. I have bank printouts showing the online payments and POS transactions that I was making each month with the employee discount along with the new rental payment. I gave possession of the keys to XXXX XXXX on XX/XX/XXXX at the front door as the office had limit access due to Covid-19 restrictions. The information they have is inaccurate from the cleaning to rent due. I asked for documentation that the unit was dirty and to provide evidence that the tub was resurface prior to me moving it. they didn't provide non of the cleaning information prior to me moving in and moving out.
Consumer complaint received 2021-01-10
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)

This past XXXX I received calls from someone claiming to be from CitiBank " Corporate Office '' and asking me for very detailed information about my accounts and if I did not provide it they would close my accounts. This number was not listed as CitiBank and seemed very suspicious. I called the customer service line for my credit card, the agent stated no information was required. To double check, I contacted Citibank XXXX office, inquiry XXXX. I received a letter dated XX/XX/2020 from Citibank Executive Response stating Citibank has not attempted to contact me to verify information and I should contact customer service as my account information may be compromised. 
On XX/XX/XXXX, All of my Citibank personal and business credit cards were closed without warning. 
Customer service states I did not respond to requests for information so all of my accounts were closed. 
I did not respond because Citibank told me this request for information was fraudulent and did not come from Citibank. 
I have been a Citibank customer for 20+ years with a perfect history, I have a high credit score and a perfect payment history with all of my accounts.

I can not believe Citibank would do this in the middle of the pandemic crisis the world is facing right now. 
I followed Citibank 's advice not to respond to the suspicious phone calls, I would provide any information required had Citibank told me the request was legitimate. 
I request my accounts be re-opened, I have been a loyal Citibank banking, mortgage, and credit card customer for many years.
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (AL)

On XX/XX/2021 I went into the XXXX XXXX XXXX of XXXX in XXXX Alabama. A salesman greeted me and I told him that I just had my car refinanced and cut my interest rate in half, etc., but had noticed {$3500.00} incentives for a new XXXX XXXX, which I am interested in and the incentives ended in 2 days. We did the usual looking at my car and what they had available. I told him that my credit wasn't the best, have really been working on it ; I was out of work over 9 months because of a workplace accident, and workers comp isn't much. I knew that XXXX XXXX XXXX has a program to help, and the {$3500.00} incentive would really help. The salesman was XXXX. XXXX. He took my car keys to value it as a trade then when he came back said he would give them to me later. I was curious. I only wanted him to try XXXX XXXX and told him so. Quite a while later he came back and said that he couldn't get it financed. I asked for my keys back and he had to get them. I kept hearing notifications on my phone, and angrily told him that my XXXX  credit report, that I monitor, had " hard pulls '' for credit checks at least 5 times. I was LIVID. There were XXXX total, the only activity on all 3 reports for that day, XX/XX/2021. Equifax had 9 ; XXXX had 5, and XXXX  had 5. I found this out the next day. Two things are happening because of that ; my score is greatly lowered and the inquiries stay on there for TWO years. And if I apply for any other type of credit product, it looks as though I'm being irresponsible and just applying for anything ... not a good credit risk as they would see it, and it affects my ability greatly to try for another vehicle any time soon. I was just approved for a refinance loan! Furious. Only gave permission to check XXXX XXXX.
Consumer complaint received 2022-10-12
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (OH)

Saw a house to rent on XXXX. Set up an appointment to view the home at XXXX XXXX XXXX, XXXX, OH XXXX on Friday morning XXXX. He let us in remotely, stating he was out of town. We agreed to lease the house, he sent us lease, which we reviewed, made a few changes - paid deposit of {$800.00}. After changes were made, the lease was signed and we sent the first month rent Friday evening. XXXX XXXX said we would be able to move in on Saturday, the XXXX. The house is empty. On Saturday morning, we noticed the property was listed on XXXX for {$1600.00} through XXXX XXXX, we contacted them and they stated that the house was still available. They were shocked that we had been able to enter and view the property, but said we had been scammed. He is telling us that his locksmith was going to change the lock, but he was unavailable. He suggested that we have our own contractor go and change the lock. He still thinks we are moving in on Monday, the XXXX. 
He currently has my social security number, address, driver 's license and place of employment that he took from the lease application. Tried talking to my bank, but they have not helped.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, U S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt XXXX XXXX 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
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

This is a complaint about my Citi Costco Anywhere Visa Card. This started when I made a late payment on XX/XX/XXXX. The payment was two days late, having been due on XXXX XXXX. I was charged a late fee, and an interest fee, totaling {$53.00}. That was expected, and I did not complain to the company. What was unexpected was an interest fee that appeared on my account on XX/XX/XXXX for {$9.00}. I was confused because I am only charged interest when ( as above ) I make a late payment, or if I only pay part of my statement balance. I never pay part of my statement balance ; I pay off the entire statement balance each month. When I made my late payment on XXXX XXXX I paid what they presented as the whole statement balance, and then on XXXX XXXX I made an early payment for the next statement balance. Today, XX/XX/XXXX, I started an online chat with a customer service representative at Citi to discover why this charge was made on XXXX XXXX. To the best I can understand the conversation, I accrued interest during those XXXX late days that attached to my statement balance, and because I was something like {$20.00} short on the total statement balance I had to pay interest on that {$20.00}, accruing each day, until XXXX XXXX when I made that early payment. I argued that I paid what Citi told me was my statement balance, and I can't pay off something I don't know that I owe. The rep just directed me to the company rules. I find this to be a manipulative, dishonest, and abusive practice. I can not pay what I don't know that I owe.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (TX)

On XX/XX/XXXX my Comerica account was caponized in the amount of {$890.00}. The individuals who scam me removed my money from Comerica to XXXX XXXX  then over to bit coin. there were 4 transactions in the amount of {$50.00}, {$290.00}, {$490.00} {$50.00} totaling {$890.00}. 
Comerica bank closed one account and opened a new one and asked me to make police report I did and submitted it to the bank. 
Comerica refunded me {$890.00} and then took the hold {$890.00} back. Which but me into a hardship
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (NY)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A section 2 states : it also staes a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Please see attachments for previous complaint that was closed. I don't believe there was no activity on the card in XXXX. I do believe as you can read my response to the company 's response that in the system that the clerk/cashier XXXX asked me if I wanted to get a RETAIL card only b/c she saw I already had an active AE credit card under my cell XXXX and under a fraudulent email : XXXX. The person who called me from the XXXX XXXX  said she saw my AE VISA so she offered me the Retail Card. That is NOT true. I did not take the care out until later. She was looking at her computer screen and my receipt shows I was approved for a credit card ending in XXXX, not XXXX as she stated in her response. This is fraud and I don't appreciate wasting my time with lies!
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (HI)

Contacted XXXX about the letter I received today regarding a debt of {$90.00} dated XX/XX/2022 and they didnt find any debt or missed payment from my account. The letter from TRS recovery services stated I owe the amount that originated from XXXX marketplace pmts.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have contacted Right Path Service in XXXX to request my PMI be removed, I was told my account was not current, I immediately made a payment to bring account current because they are holding funds unapplied accounts for no reason, after bringing my account current, I requested again in XXXX to remove my PMI insurance, this company refused to honor my request, as I am eligible and my home had the require equity to remove PMI Insurance, this is not fair, these companies are making money off struggling homeowners, also, I am seeing other related charges on my statements : broker price option, is this illegal to keep adding extra cost to my mortgage. I have been approved for the XXXX program who makes my mortgage payment of {$1100.00}, and my current payment is {$1000.00}. This company is holding these funds in unapplied accounts and not applying to my mortgage. Please help me resolve this issue ASAP as the PMI Insurance needs to be removed ASAP. 

Thank you
Consumer complaint received 2021-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (DC)

This refers to my account with CareCredit / Synchrony Bank. 

In early and XXXX, I paid off my open balance completely according to my online banking and which can be seen below : https : XXXX And payment dates from my XXXX XXXX account : https : XXXX I was later surprised to learn they had still added a finance charge. I was never notified there was an additional balance, and only saw it was reported late on my XXXX  credit monitoring a few months later. 

When I called Synchrony and complained, they apologized and removed the past due balance, and submitted it for dispute internally. On XXXX/XXXX/2020 I received a letter back from Synchrony stating that it was 'reporting accurately '. 

I've written them a reply demanding they remove this late payment status, and update it to 'Pays on Time ' as I had been making ALL of my payments on time, and had paid off the account entirely per above. 

If additional finance charges were accruing, it should have been stated in the Account Balance. I feel misled and abused as a customer, and this is not ok. I'm working very hard to build up my credit ( the biggest reason I paid off the account ) so it's not fair to me as a consumer to add insult to injury by not only adding additional balance to my account, but then to inaccurately report this to the credit bureaus as 'late '. 

I feel this is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 and needs to be immediately removed. If this is not removed, I will very likely file a lawsuit to have this inaccurate negative remark removed from my credit history. 

Hopefully you can help intervene here as this is an unfair practice and I would have at least appreciated a phone call from them letting me know before reporting me. I received NO statements or TEXTS even though I'm signed up for SMS alerts. 

XXXX XXXX XXXX Please see what you can do here to help resolve this matter. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMB Financial, LLC (AZ)

i went with dmb financial in XXXX of XXXX they still have yet to payoff one of the creditors after 42 months.i have asked several times how many payments i have left first they told me it would XXXX but could not give a month. now they are saying XXXX of XXXX.I have already paid them XXXX dollars and they have paid off XXXX.I feel I have paid these people more than enough.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Lease
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)

XXXX XXXX ( " Buyer '' ) had made a payment of {$13000.00} to Hyundai Lease Titling Trust on XX/XX/XXXX for the purchase of a vehicle by the VIN number XXXX ( " Vehicle '' ), inclusive of Use Tax in the amount of {$1100.00}. 

However, Hyundai Motor Finance has failed to notify the government that the Use Tax has been paid by Buyer, resulting in failure to complete the title transfer from Hyundai Lease Titling Trust to Buyer, resulting in failure to renew the title of Vehicle. This has led to Vehicle registration being expired since XX/XX/XXXX, in addition to increased title registration fees, as well as legal counseling fees, and Buyer 's own time and effort, resulting in Buyer 's loss amounting to approximately {$5000.00}. 

Additionally, Buyer had contacted the title team for Hyundai Motor Finance 's failure to provide evidence, a XXXX form, to the federal government that the Use Tax had been paid by Hyundai motor finance. Title Team was instructed by Buyer to send the evidence of payment of use tax to the below address on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX, respectively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, XXXX was assured that the document would arrive by XX/XX/XXXX. The document did not arrive by XX/XX/XXXX as promised. Consequently, Buyer followed up on XX/XX/XXXX for the third time and was assured that the document was mailed out and should arrive by XX/XX/XXXX. 

However, despite the expressed urgency of the request, Hyundai Motor Finance has failed to provide the requested documentation, as of XX/XX/XXXX, resulting in failure to complete the transfer of title since XXXX of XXXX, and consequently resulting in failure to complete the renewal of vehicle registration.