davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (WA)

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, XXXX Assistant at XXXX ; XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security XXXX, etc that i'm asking to be deleted and remediated. XXXX blatantly lied to me and told me that " they couldn't find the XXXX XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to XXXX XXXX! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within XXXX hours! They lied! I mailed in my copies, faxed it XXXX times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last XXXX and told me that the account numbers for the XXXX XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum XXXX business days to process their faxes and I sent it last Thursday so it's been XXXX business days! Plus they received the previous information XXXX XXXX since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, XXXX Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost XXXX years ago! Please CFPB take action against them!
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (IL)

OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.
Consumer complaint received 2016-10-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.
Consumer complaint received 2016-07-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX 2015. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. Please help.
Consumer complaint received 2022-07-20
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. (LA)

I value your help to DELETE some accounts from my credit report that transpired because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have sent Equifax proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Equifax is avoiding my request by keep sending me a letter staying they were unable to honor my request because This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly and that additional information has been provided from the original source regarding this item. 
This is what Equifax keeps sending me everytime I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
please show Equifax the attachment deferment ( letter ) that was granted but yet never honored by XXXX.
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (NY)

Im being harassed by Affirm on my credit score, it is damaging my credit adversely after they claim it will not affect my credit until XXXX  days. Ive called Affirm to talk about this issue numerous times & they have been no help at all. It is always someone with a strong accent. I plead with them to get me financial hardship with these loans that I will pay but they are not trying to work that out and now Im constantly harassed with being overdue with my payments, my credit score is taking a hit before the XXXX  day report mark they put out there & theyre not willing to negotiate so I can pay my balance in an easier fashion.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

OnXX/XX/2020 I contacted BBVA Compass for my mortgage payoff. 
I am in the process of refinancing and I was told that my payoff was XXXX. Loan documents we drawn and when the title company went to pay off the loan on XXXX they were told that the amount due was XXXX. In between the 2 dates I made my monthly payment of XXXX and a XXXX curtailment. Loan is 4 % and daily interest is just over XXXX dollars. 
We called BBVA and I have since contacted them over 15 times and spent close to 15 hours on the phone trying to get resolution. On XXXX my principal owed was XXXX. After a payment they are now saying my principal owed is XXXX. 
No one there can explain it and When I ask to speak to management or anyone capable of making a decision they tell me to be patient and that they are working on it. At this point I need resolution immediately or I will have to pay teh refi bank to redraw documents and pay title to sign again. BBVA has been evasive and aweful. They have told me that tehy would have an answer on 6 different occasions and no one from BBVA has ever reached out to me as they say they will. 
Please help becuase I'm getting no help at all from them
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XXXX/XXXX/13 i purchased a brandvnew XXXX XXXX XXXX XXXX XXXX. The car was roughly {$35000.00}, and i also had a trade in that i still owed {$7000.00} on, so that amount was added into the loan because the creditor paid it off after i traded it in. The grand total was XXXX including the nee car and the amoint owed on the old vehical. Eithin a week of purchasing the vehical i got a notice in the mail stating that my licence would be suspended if i did not pay off {$35000.00} in parking tickets. I had no other choice but to file bankruptcy, however the bk judge ordered the car be paid outside the bk. I paid for the vehical for 3 years outside the bk. However the creditor filed a claim and was ( mistakingly ) getting payments inside and oitside the bankruptcy against judges order resulting in an overpayment due to me. They ( XXXX XXXX XXXX ) sent me an overpsyment check in the amount of {$2000.00}. However three months prior ti sending the vheck they reposessed my car stating that i owed {$1300.00}, at the time of repossession, which was innacurate, as evidenced by the overpayment check i recieved. Also, as explained above the creditor recieved payments inside and outside the bk in the amount of about {$30000.00}, regardless of this fact the crefitor maliciously reported to my credit that i owed a sum of almost {$70000.00}. My credit svore was XXXX before this however as a result my credit score has dropped to XXXX, even though i have disputed in writing and the creditor has lowered the amount it said i previously owed my crefit remains damaged and i do n't have a vehical as a result. The creditor refuses to give me validation of the debt they say i owe. Which i have requested in writing over 30 days ago.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-20
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. (LA)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XXXX removed 5 accounts ( on XX/XX/2020 ) that were closed from my Equifax credit report before they were to be removed under the FCRA. These 5 accounts shouldve stayed on my credit report for another 2 years. Ive contacted Equifax and they stated that XXXX requested to have them removed. I then contacted XXXX and they said they didnt remove them and after they looked into it stated that the accounts were closed and shouldnt have been removed for another 2 years but wouldnt place them back on my credit reports. When they were removed it dropped my credit scores by 39 points because they were my oldest good standing accounts on my credit reports.
Consumer complaint received 2016-06-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NJ)

My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.
Consumer complaint received 2015-06-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (CA)

I discovered on my credit report Wells Fargo is reported a card opened XXXX XXXX, XXXX, this account closed/charged off on XXXX XXXX, XXXX, noting I made a payment XXXX XXXX,, XXXX, WHICH I DID NOT, and last reporting XXXX XXXX, XXXX. I have been on XXXX since XXXX. I do not even know what this is!! I called Wells Fargo, was transferred to collections, then recovery. NO ONE COULD FIND ME BY MY SOCIAL! I want this removed from my credit report. I do not even know what it is, let alone have made a payment in XXXX XXXX! Can you help me?
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

XXXX sold a {$300.00} ALLEGED cable bill debt I owe to a collection agency in Massachusetts  ( Im in Pennsylvania  ). I never paid because its NOT my debt. The collection agency filed it as an unpaid collection account and my credit scores have decreased by over 40 points from the 3 reporting agencies. ITS AN ABSOLUTE DISGRACE!
Consumer complaint received 2020-11-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Google Compare Credit Cards Inc. (CA)

I was sending a payment through google pay they took the money of of my bank but it never got to the person I was sending it to. It says canceled on they end and processing on my end. Ive tried multiple times to contact them but Im unable to speak to someone on the phone do to COVID 19 and they disabled the chat so they just ran off with my money money to pay my rent at that.
Consumer complaint received 2018-03-15
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP (NY)

I had a co-op apartment mortgage ( taken XX/XX/XXXX ) with XXXX XXXX on a unit in XXXX, NY XXXX. It was paid off when I moved and sold the property in XXXX XXXX. My credit report is still generating UCC documents showing this loan under Financing Statement # XXXX ; I need paperwork to be filed to show the discharge of this mortgage. ( Common sense would tell you that nobody keeps a 9+ % mortgage OR  continues paying a mortgage after its 30 year term. ) XXXX was at XXXX XXXX of XXXX, XXXX, NY XXXX, but the company and its XXXX XXXX XXXX. Servicer were sold by the FDIC as receiver ( attorney XXXX XXXX XXXX ) to Key Corp of XXXX, NY in XXXX. Key Corp. in turn merged with XXXX XXXX XXXX XXXX, OH, leaving me unsure where to start.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submit a dispute to Experian, and advise them that a negative account is being reported twice. I have tried on 2 occasion to try and resolve this issue with Experian customer service which has meet with negative results. 

As a result I have been unable to find housing due to having this issue on my report.
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.