davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX {$3100.00}
Consumer complaint received 2021-03-26
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: CBC Companies, Inc. (IL)

I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agency 's to remove the inquiry. However the request was for a soft Inquiry removal when it was a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX XXXX. Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. I'm requesting this hard inquiry to be removed from my credit Immediately.
Consumer complaint received 2019-06-06
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. (TX)

I previously submitted a complaint about this issue, that XXXX XXXX keeps updating and changing balance and making comments. This account was reported as closed. Then XX/XX/2019, this account was deleted and removed. Then yesterday, I'm not sure if Equifax was getting revenge for a previous complaint because 2 items were still on the credit report when in fact I have proof these accounts were deleted and removed. But yesterday, XXXX  XXXX that should be removed and was closed prior, made an update and a comment and EQUIFAX horrifically dropped my score 30 points! Usually when sun loan updates when they shouldnt be, Equifax never drop my score that much. I am devastated. I was just about to get a mortgage, I think they knew this because of the inquiry, so they destroyed my life by taking 30 points off from a deleted creditor.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (FL)

Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

A dispute for {$64.00} was denied by PayPal even though XXXX, ( company who was paid the {$64.00} representing XXXX XXXX ) offered to allow me to get {$64.00} credit merchandise. The denial came today, Wednesday, XX/XX/2019, about 2 hours after I had called to see the status. XXXX XXXX offered services that they could not and did not provide. Also, the test results were very wrong according to my medical reports. All of XXXX XXXX  customers appear to be told that the XXXX XXXX and the XXXX test does not show ; however, this maybe because they do not have the capacity to perform these test ; thus false advertising. XXXX is offered on XXXX via XXXX, Texas then shipped to the XXXX. Everything is very " off '' concerning this XXXX offer. I shared with PayPal that I had my own test results and that the company was doing false advertsing. PayPal told me to wait to send additional information but denied the claim without the additional information. PayPal fax number is not working at least in the PayPal Credit Department. PayPal failed to protect me from dishonest XXXXXXXX. The results conflicted with other lab results. This appears to be a big rip off in the XXXX.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

There are two transfers done XX/XX/XXXX both were XXXX. I have filed a dispute, it got dented, then I was told wait 90 days and it will automatically be placed back into your account. And the whole time I have not got any cooperation from the company call or email.
Consumer complaint received 2021-08-08
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. (MD)

This complaint is an offshoot of my previous complaint to the CFPB ( Complain Number : XXXX ). Today, XX/XX/21, I received a letter from CITI, dated XX/XX/21, asking for me to " provide '' to CITI " with copies of complete bank statements from the date of payment cleared through the most recent payment statement, '' in order to resolve the case of FRAUD, THEFT perpetrated by CITI against me. I sent all the documents to CITI back in XX/XX/21 via USPS Certified Mail ( USPS Tracking # : XXXX ) ; when CITI told me it needed the same documents it's asking from me now. And CITI, according to USPS records, received these documents on XX/XX/21. CITI just stonewalled, when I sent it the documents the last time. And it's trying to do the same thing again, when it conducted its sham, fraudulent, biased " investigation. '' My bank, XXXX XXXX XXXX ( XXXX ) already conducted and concluded its thorough, unbiased, forensic, intensive investigation into the CITI case and found in my favor that CITI did engage in FRAUD and THEFT. And XXXX told me that since it found in my favor I don't have to pay CITI anything. CITI knows all this since I sent it my Written Error Billing Notice ( WEBN ) along with my Complaint against Citi to XXXX and XXXX XXXX conclusion from its intensive investigation as I mentioned earlier. I sent CITI my WEBN, dated XX/XX/21, via USPS Certified Mail, Tracking # : XXXX. And according to USPS Tracking records, CITI received my WEBN letter on XX/XX/21. I'm sending this complaint because CITI is just delaying, stonewalling, and sending me busy work for its sham, fraudulent, biased, XXXX, XXXX " investigation. '' I need CFPB 's help in stopping CITI 's corrupt, egregious, unlawful activities against me by sending this case to the proper federal authorities who will enforce U.S. laws, if CFPB is powerless to do anything. CITI is filled with a bunch of crooks and liars!
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

I never authorized this company to put fraudulent information on my credit report. 
XXXX XXXX XXXX XXXX  I was never notified, and I never signed document stating I will pay this debt, or this debt is mines
Consumer complaint received 2022-08-05
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. (DE)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-10-23
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. (VA)

My outstanding complaint is filed under three Complaint ID 's :  XXXX, XXXX, XXXX, but there seems to be no way to leave this message under my existing screen - maybe because your agency has advised me that the Credit Bureaus have responded and my case is closed. 
I complained because my credit rating was sharply reduced after several months of doing absolutely nothing to cause that reduction ( no new accounts, every account paid on time and several reduced to XXXX - though I didn't close those accounts since that would be a negative consideration ) This is why I would like to reopen my complaint : The credit bureaus were not responsive to my complaint. As they have all done - exactly as in previous years - was simply send me my complete credit history and a note summarizing the factors considered when determining a credit rating. After reviewing their response, it simply confirmed that my credit rating should NOT have been reduced but should, in fact, have improved. 
When I went back to the bureaus to point this out, each of them responded by simply sending me another copy of my complete credit history and the same summary of how a credit rating is determined. 
Therefore, my complaint has certainly NOT been addressed and the Complaint Numbers should definitely remain open. 
I truly wish that your agency would follow-up with the credit agencies to let them know that it's infuriating to receive that kind of standard response despite the nature of a complaint. 
It would also be of enormous help if your agency made an effort to convince the credit bureaus that they should post information on-line which would allow anyone to determine exactly why their credit rating was reduced. This would, of course, reduce the number of complaints to the Credit Bureau ( and to your agency as well ), and  would be a wonderful way of teaching people how to maintain a good credit rating. 
Please, Please, Please let me know that my complaint is still being worked on, as I will pass it on to the two Virginia XXXX who received my original complaint. 
Thank you so very much ... ... ... ... ... .... XXXX
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I started an application with Citibank for a refinance of my home loan XX/XX/2020. 
After multiple requests for paperwork which I complied with, the loan officers did not review or process the loan until XX/XX/2020, close to a 5 months lack of action on my loan, causing me to lose out on interests savings. I withdrew the loan XX/XX/2020 after making multiple failed requests to my mortgage representative, XXXX XXXX, to accelerate the processing of the loan. The mortgage representative agreed that they did not deliver ( I have it on email ). 

I simultaneously requested for a refund of all the fees paid {$750.00} on XX/XX/XXXX that was intended for the processing of this loan ( all  evidence in email ), and since the bank did not do their part, I should not be expected to pay those fees. My mortgage representative did not make the request on her end and when I called her on XX/XX/XXXX, she said that I did not request for a refund and therefore she did not do it, which was untrue as I have since forwarded her the evidence of my requests. I would like to submit a complaint against this terrible service provided by Citibank and request for a refund of my fees.
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (UT)

Property and sole responsibility for account were awarded to ex-spouse via Divorce Decree and court in XX/XX/2018 ( page 1 & 2 of attached document ( Personal Property Section 3 ( a ) ( i ) ) ). This account should not be on my credit report and recent ( 30 days ago ) delinquent payments are having an adverse affect on my credit score. Company will not remove it from my credit report and wants me and my ex-spouse to go through a transfer of property process which has already happened by virtue of the courts findings in the divorce process.
Consumer complaint received 2020-10-23
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. (NJ)

I was enrolled in a covid forbearance for two months XXXX and XXXX of 2020, due to job loss for my two XX/XX/XXXX accounts. I was told the accounts would not report more past due than what they were due to the fore forbearance. Neither account was 30 days past due when I enrolled, so the reps at XXXX XXXX all advised my account would be reported as current. I received a notification, saying my accounts had been reported to the bureaus as past due. One account was reported 30 days past due for {$1.00}. I have spoken to endless supervisors and written letters of dispute to both XXXX XXXX and all three of the bureau. They didnt do a good job investigating this issue, as they responded back a day later saying it is verified.XX/XX/XXXXXXXX claims they opened their own investigation which took a month and advised their investigation was completed and claims I was not enrolled in forbearance when I was since my payment due screen was XXXX. They said the rep I spoke with must of forgotten to enroll me. The bureaus automatically side with the creditor and didnt investigate this properly. I wrote them all a letter and disputed these three collective late payments online. No one will help.
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I received a Notice of a Summons on XX/XX/2019 tapped to the front door of my apartment. I was never nor was anyone in my home given these papers. I never received the summons in the mail. The sum amount is {$4100.00}. There is no date on this paper for which I am suppose to go to court.
Consumer complaint received 2020-10-23
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: Westlake Services, LLC (LA)

Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

I disputed an account with Transworld and they provided me with a document which is not a contract or anything that legally shows that I owe the amount {$310.00}. Please provide contracts, copies of actual bills and a copy of Transworld to legally bound to collect anything on behalf of this account -I do not believe this account belongs to me-
Consumer complaint received 2021-01-25
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: LEXISNEXIS (TX)

I requested my report on XX/XX/2020 via email and mail. I never received the report. I again asked for to be sent to me on XX/XX/2020 and still have not received ANY communication from LexisNexis. They are violating my rights to my free report. I attached the emails I had sent to the address they have published on their website to request your report.
Consumer complaint received 2020-10-23
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)

I have 2 fraud accounts listed on my credit report for XXXX XXXX XXXX XXXX IN XXXX and XXXX XXXX XXXX   XXXX. I have filed an Identity Theft Report which is attached to this complaint and the report number is XXXX. Please see the attachment. Please remove these fraud accounts from my credit report immediately. Thank you
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Last XXXX XXXX Th 2020 I was at Macys to purchase a XXXX gift for my husband-watch that as on sale reduce down to XXXX with a store credit of XXXX on my credit card. My credit card limit is XXXX. The bill came with tax to XXXX. But the machine refuse to deduct the XXXX store credit which would had reduced my purchase. That would had come down to XXXX. The store clerk tried numerous times to get it to reduced my bill using the store credit ( which she could see was on my credit card ). But couldnt do so I had to use a different method of payment. 
I called this wk and spoke to a Macys customer service personnel. When I explain what had occurred she said that as their policy not to reduced the bill even though I had store credit because my bill was over my limit. I told her when you used the store credit toward the bill it was below my store credit. She even refused numerous times to allow me to speak to her supervisor. 
So I contact you and was given options on the best way to file a complaint. 

My question-is this legal? Where I work figs is not allow.
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG HOLDINGS INC (NC)

I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account. 
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.
Consumer complaint received 2020-07-28
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. (MD)

The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX  XXXX  for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1.  XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,