davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
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. (ME)

On XX/XX/2022 I filed a dispute with Equifax about DIVISION OF SUPPORT ENFORCEMENT, It is reporting as a closed collection with a past due balance and late payments. I disputed this with a list of ALL payments made going back to when I agreed to pay the amounts I do. This is paid via a garnishment on my paycheck. The state of XXXX  takes the payment for the past due amount " arrearages '' of the first case that the kids are now over XXXX and not in school and XXXX is taking out for the current order on my younger daughter and I have elected to pay more then the amount agreed every week. On XX/XX/2022 I was sent a PDF dispute result from Equifax and the balance was changed, the payments were listed and the account status was changed to open. It is still being reported on my actual report as closed collection with a balance and past due amount. This I believe is unlawful and being report incorrectly
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I earned XXXX points using my Citi credit card. A week after i redeemed them Citi lowered my credit limit by {$270.00} and it effectively wiped out most of the points or {$340.00}. It, Citi, will make up a bogus reason on why they lowered my credit limit, but they did this so I couldn't get credit for all my points. I have never had a credit card company lower my credit limit, when I have never missed a payment. I'm very angry they have so little ethics they would do this. They are making a lot of money off me and others and this is pure greed and cheating me, the consumer, out of the points I earned according to its rules.
Consumer complaint received 2022-05-28
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: BROKER SOLUTIONS, INC. (NJ)

I receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores. 


Looking to refinance? 
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners. 
15-year fixed from XXXX XXXX XXXX  Interest Rate XXXX XXXX XXXX XXXX XXXX  NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated.
Consumer complaint received 2022-05-28
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: DISCOVER BANK (DC)

In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2022-02-15
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. (CA)

I did not authorize any and all of the listed credit inquiries below, I respectfully ask for all of them to be Deleted from all three of credit reporting agencies. 
XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2022-05-28
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. (TX)

My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them. 
I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed. 
I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly. 
You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan. 
I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed. 
I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help me.
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (SC)

Whom it may concern, I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified. 

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ). 
As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX ACCOUNT : XXXX account is showing 30, 60 and 90 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 complaint. Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT Metro 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Consumer complaint received 2022-05-28
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. (FL)

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

XXXX  Account # 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 2022-05-28
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. (NC)

In accordance with the fair credit reporting act 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 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. 
I also have proof of XXXX violations they also made against me and will be further pursuing monetary Relief.
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Conduent Incorporated (MI)

I received a " debit card '' through goprogram.com in the mail on XX/XX/XXXX. The card is making it " look like '' I have to use it for child support payments by placing a " Michigan Child Support '' logo in the top right corner. The misleading promotional info made me mistakenly register the card. Now it says it's going to charge me {$1.00} a month if I don't use it. I didn't realize it wasn't actually for child support and that I didn't have to use it. I called the toll free number many, many times, and there is absolutely no way for me to talk to a human to cancel it because I only activated it because they misled me. But now they're making it impossible to cancel. Same for the website, it only leads you to the XXXX number with no human option. So basically they tricked me, will be taking {$1.00} a month from me for non-use, and now I have way to cancel or close the card, which will ruin my credit score. There is absolutely no way for me to speak to a human. They basically preyed on a new single mom who has no idea what she's doing. : (
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (TX)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX  Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX
Consumer complaint received 2022-02-15
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. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-05-28
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 numbers XXXX, XXXX, XXXX, and XXXX and 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 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am filing this complaint against Equifax, XXXX, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Consumer complaint received 2022-02-15
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: BARCLAYS BANK DELAWARE (TX)

XXXX 'S Minimum Payment Has DOUBLED Although BALANCE HAS DECREASED. 
( I PAY MORE THAN THE MINIMUM REGARDLESS ). 
IT JUST DOESN'T MAKE " CENTS " AS TO WHY?? 
THE MINIMUM PAYMENT HAS BEEN INCREASED? 
( IS THIS THE " KICKBACK '' FOR CASHING IN A " REWARD? ''
Consumer complaint received 2022-05-27
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: EQUIFAX, INC. (GA)

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX FOR XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX OF LA XX/XX/2021 XXXX Collection : XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance {$0.00} Inquiries : XXXX/XXXX XXXX  CA XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX/XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX  XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX OF L XX/XX/2021 EQUIFAX Collection : XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

I have an Amazon Store Card through Synchrony bank. During the time frame of statement ending date XX/XX/XXXX, I made multiple payments because I was hitting the credit limit. Specifically, I made XXXX extra payments, one each time I hit the credit limit. 

The problem is that Synchrony wildly misallocated these payments. Primarily, they allocated almost all of my payment to zero percent APR promotions and not to the regular, due immediately balance. This has caused two major issues, one is that they've transferred a large amount of the balances from zero percent APR promotions to regular due immediately balance, effectively making me lose these APR promotions. The second issue is they have charged me incorrect interest charges. 

They agreed to fix the errors, without any detail, and their adjustments were applied on statement ending XX/XX/XXXX. However, the balances are still incorrect even after their adjustments. They're closer, for sure, but still wrong by about {$700.00}. I contacted Synchrony yet again, pointing out that the balances are still incorrect, and they have denied it and refuse to fix it. I have made a spreadsheet showing in detail what the balances should be, which was sent to them. They didn't care. I looked up your agency because I feel that this is directly related to the standard allocation requirements for credit card payments, which is apparently enforced by your agency. I am attaching my spreadsheet with notes, and I am also attaching the relevant statements received from the vendor so you can see them. Thank you.
Consumer complaint received 2022-02-15
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. (WI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (GA)

I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX of XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was Involved. A finance charge is the sum of all charges in a consumer transaction. The finanace charge does not include cash, but XXXX XXXX of XXXX XXXX took cash. The finance charge is supposed to include insurance but XXXX XXXX of XXXX XXXX made me purchase my own insurance separately.
Consumer complaint received 2022-05-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I am personal representative of dads estate apparently a claim was filed against this Nationstar d/b/a Mr Cooper with my Dad in Michigan circuit court XXXX  XXXX XXXX XXXX XX/XX/XXXX. The {$47000.00} mortgage taken out in XXXX XXXX was deemed ab initio property was given back to my dad. But this company has continued to collect mortgage payments to date. I am confused the pay off amount {$47000.00} if paid off by XX/XX/XXXX. It appears this company has continued to defraud my dad and his estate to date. I have asked for itemized statement for all payments made from the beginning of this loan only given information for payments made from XXXX to date.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : USBK COURT XXXX  PENNSYLVANIA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX I have attached ID Theft Report XXXX with this complaint. Please review.