davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-15
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 spoke with XXXX concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at XXXX they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when XXXX went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points??? 

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent XXXX Loan Application  may be in jeopardy, along with other XXXX  interests.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

On XXXX and XXXX I was victim of fraud several times on My best buy ( citi bank ) credit card and I reported all of them and opened a dispute. In the begining they gave me credit for those transaction but the following month they rebill me one of those transactions. The amount of that purchase was {$740.00} on XX/XX/21 at best buy store in XXXX NJ. They told me the reason why they rebilled me was because " I stayed that I had my credit card ''. They assumed that I did it because the receipt says " card was present " at the moment of the purchase. I appealed that decision and I submitted proofs that support that I didn't do it. I went personally to best buy store in XXXX NJ and asked them a copy of the receipt. The store manager noticed that on the receipt the card number matched but the id member number didn't. That member ID belongs to other person located in Massachusets. Beside this proof I emailed them a copy of police report, a letter from my job staying that day I was working at my job location in XXXX. Then I verified if they received all documents, They told me that they are going to contact me but they never did it. I called several times and their answer was " there isn't enough evidence '' and the appealed was denied. I asked them to talk with a supervisor, they said that a supervisor is gon na call me and I am still waiting. I want to solve this issue but they aren't helping. I have been his client for over 10 years and I never made a late payment. I've been victim of fraud and spent hours and hours on the phone trying to solve it.
Consumer complaint received 2018-11-28
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: SYNCHRONY FINANCIAL (MA)

SYNCB/GAP, phone ( XXXX ) XXXX. I do not recognize this at all. I do not know why SYNCB /GAP is showing on my credit report as a hard inquiry. I need help to get this remove from my credit report. I do not recognize it.
Consumer complaint received 2022-10-06
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: ALLY FINANCIAL INC. (NV)

i have received multiples inquiries from companies i did not consent torun credit i do not have any accounts nor applied for any of these accounts that's showing on my credit report on my credit report, this is fraudulent activities with out my consent.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XX/XX/2020 I called to make a payment to no avail They are Not ADA Accessible I have No Access. On line to my account due to my XXXX. Calling to access my account is my only option and it requires my XXXX XXXX XXXX to enter in 16 numbers card number and 4 numbers of social security I was unable to make a payment with extreemly XXXX XXXX They do not provide any option to access my account I should be checking for unauthorized charges with all data breaches daily I am unable to feel safe or secure checking my account as all others with accounts are advised to do for protection I have requested this be corrected for over a year to no avail
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (CA)

I have a perfect credit score of XXXX with multiple other credit reporting agencies, such as XXXX, XXXX, and XXXX, however SageStream , LLC lists my credit score as XXXX. I have never missed a payment, and I have a suitable and responsible amount of 3 credit lines. According to them, I do not A. ) Have enough debt experience, even though I've had auto loans paid off and never missed a payment on ANYTHING in 7 years. 
B. ) Limited history for consumer at this phone XXXX what?? ) XXXX XXXX XXXX few bank cards, even though I have 3. I'm not a credit card freak, I don't need 20 credit cards. Is 3 REALLY too few? 
D. ) Length of time accounts have been established too short, even though I've had these credit lines FOR YEARS I have noticed similar complaints about this from MANY other consumers, and this disparity of 230 points has costed me a recent automobile loan, which I really needed. I am filing a complaint because SageStream , LLC is incorrectly representing my credit history, and is costing me financially when searching for an automobile loan.
Consumer complaint received 2020-08-15
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. (MA)

I am filing this complaint against Equifax regarding my mortgage account with XXXX XXXX XXXX XXXX Since XX/XX/XXXX, they have been misreporting and changing my Date of First Delinquency. 
In XXXX of XXXX, I checked my credit report with Equifax and could see that XX/XX/XXXX was listed as my Date of First Delinquency in a string of late payments that went through XXXX of XXXX. 
This information matched my reporting from the XXXX XXXX XXXX. In XXXX of XXXX, I again checked my online credit report with Equifax to confirm that the string of late payments was removed since it met the seven year statute of limitations. Unfortunately the Date of  First Delinquency had changed to XXXX of XXXX. The Date of First Delinquency is the beginning of the seven year count for removal of late payments from a credit report. THIS DATE DOES NOT CHANGE!!! Even more disturbing is that by law the string of uninterrupted late payments following the First Delinquency Date are to be removed too. I disputed this information and no changes were made and the date actually pushed out again. 
Equifax has continually pushed out that date and I will never meet the seven year anniversary that will allow removal my late payments from my credit report. The Date of First Delinquency is now listed as XX/XX/XXXX. This reporting is in violation of the Federal Fair Credit Reporting Act. If you are unaware the FCRA law regarding the Date of First Delinquency and the following consecutive late payments please refer this complaint to your legal department. You are in violation and are now on notice. 
I believe this may be a computer generated issue and someone needs to review this historical information with common sense and not just assume the computer is correct. You are not reporting a full seven years, you are change the DOFD, you are removing single late payments and not adjusting the string of late payments that should be removed. 
I have attached two of my Equiifax credit reports showing the change in a date that should never be altered. Also attached is a letter from the XXXX XXXX XXXX XXXX notifying Equifax that it is reporting the information submitted by the bank incorrectly, that it is erroneous and needs to be corrected. 
Again, if you do not understand the law regarding the importance and removal of the First Delinquency Date and the sequential uninterrupted late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT!
Consumer complaint received 2019-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NV)

I had my name on a medical credit card ( with my father ) for an operation that I had many years ago. The card was paid off, and synchrony bank/care credit has continuously hounded us for more and more money over many years. They always go away for a little bit, then resurface demanding more money. Back in XXXX, they came after me again. I paid an agreed upon settled amount ( just to get it over with, or so I thought XXXX, and even paid the associated taxes for the remaining balance using the tax form that was sent to me for this. That should have been the end of everything, and for all of XXXX, I heard nothing from synchrony bank/care credit. I've noticed that my FICO score is significantly lower than my credit score listed elsewhere, which has significantly impeded my ability to apply for credit cards, comes up on background checks for apartments, etc. Well, while synchrony bank/care credit left me alone for all of XXXX ( their calendar shows as blacked out, nothing owed for the year ), they reappeared in XX/XX/XXXX and are still dinging my credit ( showing that I've owed them money all year ). I've received nothing from them in the mail and I know *for a fact* that I owe them nothing. I paid a settled amount and the associated taxes. It is insane to me that companies are able to do this to people. They've been ruining my credit and financial security for years and now, once again, they're resurfacing saying I owe them money again. This is illegal and must be dealt with at once. I've already disputed with them directly and with XXXX and XXXX, and this LIE is still damaging my credit. No one is doing anything. Please help.
Consumer complaint received 2021-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (CA)

This complaint is with reference to the non-performance of the extended service contract purchased for my new car from BMW North America : Vehicle ID Number : XXXX XXXX BMW XXXX 6 year XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) BMW sold me the platinum service contract when I purchased it through their BMW XXXX XXXX, CA Dealership. Additional services for car detailing interior and exterior body was paid for and added to the service contract by the finance manager of this dealership and was financed as part of the car loan sold by BMW. As a customer purchasing a new car and platinum services, BMW did not make me aware that some of these services may be dealer specific add ons being sold to unsuspecting customers. 
On XX/XX/XXXX just 2 days prior to expiration of this XXXX XXXX sold by BMW Financial through their dealership, I asked that interior and exterior car detailing services be performed through one of the nearby BMW service dealers ( XXXX, CA ). The above local service dealership refused to perform this additional services claiming it was not part of the original XXXX XXXX contract. 
I reached out to representatives of BMW Corporate at XXXX : XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX A case manager was assigned to ensure that these additional services that was sold by BMW dealership at XXXX XXXX in XXXX is honored. A case manager XXXX XXXX called and emailed me on XX/XX/XXXX while I was traveling for a week. I tried reaching her at the number she gave in her email ( XXXX ; extension XXXX ) - that phone extension does not work ( I asked BMW to call this number and verify this fact ). I emailed twice ( XX/XX/XXXX, XX/XX/XXXX ) but no one from BMW is responding. 

BMW is selling additional services through their dealerships which are not being honored. Specifically, local BMW dealerships sell add-on services misrepresenting them as belonging to an established extended services contract ( 6 year XXXX XXXX ) and BMW dealers are not honoring such paid-for services. 

Under consumer finance laws of the USA, selling such services and not honoring them is a breach of contract and gross misrepresentation by the BMW company by allowing their dealers to sell additional services under the guise of their brand to unsuspecting customers. 

I demand BMW immediately honor their commitments to the services their dealership sold me and complete interior and exterior car detailing I had requested before the service contract expired.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: DISCOVER BANK (OK)

I ordered a new card from Discover on XX/XX/XXXX and I got an email that said it would be 7-10 days to receive and I never received it. I called on XX/XX/XXXX to report it and the representative gave the option to reorder the card or cancel the account and restart it ; I chose to restart it, for security reasons, since I hadn't received my card. The representative placed the order for a new card and I confirmed with her and she acknowledged she was sending me out the card I originally ordered, which had an eagle design on it. I was also told i would receive confirmation of the account getting cancelled with 24 hours, which I never received. On XX/XX/XXXX I received 2 different cards in the mail with different account numbers, so I called to inquire about the cards. One of the cards was the original card I was supposed to get and the other was a new card, but not the one that I was told was being sent. I was told by the representative that the previous representative I spoke to had went back into my account on XX/XX/XXXX and placed an order for another card. This was done without my knowledge and was never contacted or informed about another card being ordered. The representative then told me that the first representative should have told me that she was not sending out the card she said she was going to and was going to have to reorder it. He also stated that they can go in and order a card without the customer 's consent. A representative should NEVER access a customer 's account and order cards without their consent.
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

Have received several mailings from them stating I have been approved for lower interest from XXXX but when I try they keep telling me that I have inadequate income. Have not missed making a payment eve ( except for period when I was in bankruptcy ) almost always paying more than the monthly requirement. Not only have I called t hem but have sent them several written requests. They simply are not working with me. 

Loans are actually for all XXXX  of my children so is a Parent Student loan. 

I would like to get reduced interest so the loan can be paid off sooner. On fixed income so every bit reduced would be helpful. I don't expect any loan forgiveness knowing that I am responsible to settle my debt.
Consumer complaint received 2021-10-02
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. (NC)

Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts. 
The highest balance is different with {$1500.00} and {$550.00} being reported. 
Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2020-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and  collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Report Number XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 


XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has not been verified and is reported twice with two limits {$500.00} and {$1200.00}. The dates for past-due entries conflict with the duplicate entry. They both cant be accurate. Please remove and delete the duplicate accounts.

The highest balance is different with {$1500.00} and {$550.00} being reported.

Dates Opened conflicts exist with XXXX and XXXX. 


Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Consumer complaint received 2020-08-15
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: SYNCHRONY FINANCIAL (AZ)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My identity was stolen so I've filled out a police report and FTC report for you all to review and get these accounts removed from my profile. I would like to have this information " blocked '' from my credit reports so I can get my life back on track. That would be amazing. 

Best,