davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (MD)

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. And XXXX XXXX XXXX ( XXXX XXXX ) reporting is extremely inaccurate, and they have corrected nothing I have submitted over the last 6 years alone. And apparently are not running any updates at all for some time. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My loan went into foreclosure due to my being in an accident. I was placed on a repayment plan to get the loan out of foreclosure with my first payment being due in XXXX 2016. I made the first payment with no problem. The second payment was due on XXXX XXXX and I made the payment on XXXX XXXX. I overnighted the payment on XX/XX/XXXX and it was received on XX/XX/XXXX. The XXXX was a Friday so I called on Monday to make they had received the payment and posted it. I was told that my repayment plan had broken on the XX/XX/XXXX. I asked why did the plan break and they advised due to non payment. I then asked how many days after the first do I have to make the payment before the plan breaks as the payment was n't even 30 days late. I agree it was n't made on the XXXX but I have never heard of a plan breaking after 18 days. The mortgage company stated to me that there is no set date for the plan to break, just whenever they review it and see there is no payment made. Also let it be noted that I have spoken to them several time during the month and not one person told me that the plan would break on XX/XX/XXXX. I thought I would have at least 30 days before the plan broke. When I spoke to the company on Monday the XXXX I was advised they would try to restart the plan and asked me when could I make the XX/XX/XXXX payment. I advised I could make the XX/XX/XXXX payment on XXXX XXXX. On Tuesday the company called me and stated they could not restart the plan because the plan broke on XX/XX/XXXX and the payment I made on XX/XX/XXXX would be sent back to me. 
I have worked in mortgage servicing for the last 14 years and I have never seen a repayment plan break in less than 30 days and this one broke on the 18th day. Furthermore this was my first repayment plan, and to also refuse to set the plan back up with an explanation that the payments have to made by so many days after the due date or the plan will break is not fair. Especially when I sent the payment in, certified funds, and now they are just down right refusing to accept the payment and are sending it back. 

I am someone trying to keep my home and to just refuse to accept the payment and send it back is not right. I could see if the payment was not made in XX/XX/XXXX but it was.
Consumer complaint received 2023-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I was enrolled in an interest only repayment plan and when the plan was over, on XX/XX/XXXX, an unauthorized amount of money was taken from my bank account.

All letters and account information showed one amount due and a larger amount was taken.

I emailed and called and was told that the loan payments were applied incorrectly for 2 months and that the larger payment was taken for their mistake. I was also told that they had open access to the account and I had given blanket authorization. I asked for the call recording and for a case review and no one has been able to find them. 

I have been calling, filing complaints, emailing since XXXX and no one has found an answer.
Consumer complaint received 2016-12-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I transferred $ XXXX from my XXXX XXXX checking account to my Capital One 360 Savings Account. The deposit was XX/XX/2016. They will not release my money until XX/XX/2016 
I needed to use this money for purchases. This is in direct conflict to their statement on-line-quote " Deposits pulled from your external linked checking account are typically available on the second business day, but in some cases XXXX be held longer ( up to XXXX business days XXXX. Deposits on hold are unavailable for withdrawal during that time. 

This should have made my money available on Monday XX/XX/2016
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I went online to all 3 credit reporting agencies to lock my credit so I could protect it. I'm trying to improve my scores so I can get a mortgage and want my credit protected. I did not know that by doing this that very day my scores would go up above 20 points in that same day. So, later my scores continue to go up. So, I think ok, now I can apply for the mortgage. I go in again to all 3 agencies and unlock my accounts so the mortgage company can run my credit, and what to my wondering eyes appears but a lower score by 36 and 38 points. I was dumbstruck. I am very angry. Also XXXX   keeps advertising this XXXX  program. I go there once a week and try to get on that but every time I try my bank isn't in their system to get in on that program. These 3 agencies are just a racket. Maybe they shouldn't be allowed to be so commercialized or offer programs. I've lost respect for them. Also, when trying to call these agencies you can't talk to a human. It's all automated, so I can't call and complain with them.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IN)

There is a fraudulent charge on my account that occurred during the time my account was serviced by XXXX. However, XXXX has been very helpful each time I have spoken with them and verified that the information and duties are now with XXXX for my XXXX XXXX XXXX card. XXXX was about to put me on a 3 way call with XXXX twice and helped me explain the situation, both of these times the representative looked at the account and then informed me that I needed to be transferred to another department. During both of these calls, as soon as the XXXX rep left the line the Synchrony rep became rude, then one of them transfered be back to XXXX customer service instead of the Synchrony fraud department as they said they were doing, the other said they were transfering me to the Synchrony fraud department and instead just hung up. They refuse to allow me to report the fraud that happened in the amount of {$3600.00} on XXXX/XXXX/14.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

The problem I am having is with Best Buy Credit Card. Currently I have an overpayment on my account, in the amount of {$2600.00}. How this occurred, is that my wife and I made payments on our account to avoid interest on 0 % interest purchases we made with Best Buy, that were coming due soon. While in the meantime, we refinanced our house ( XXXX 2021 ) and used our equity to pay off credit card debt. In this process, the title agency issued my wife and I checks to send to our lenders. 5 in all. In doing so, this has caused us to inadvertently have a large overpayment with Best Buy. In trying to rectify this issue, I have called numerous times requesting that the funds be returned to me. Across all of these calls, I have at times been required to provide further information about the overpayment. Only to find that Best Buy Credit Card Company has flagged this as fraud. I have been more than willing to provide any requested information, both verbally over the phone and via fax. Yet I am still being treated as though I am a criminal and I am very worried that we may struggle getting our money back. I have been a long time customer of Best Buy and their credit card company and have had no issues in the past. Any help in this matter would be greatly appreciated. The attached documents are what Best Buy Credit Card Company has requested that I fax them, which I did on XX/XX/2021. As you can see, they represent, my account information and the overpayment check from our title company.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

O/A XXXX XXXX through XXXX XXXX I have attempted to fix erroneous information being reported on my credit reports on credit accounts that have been discharged through XXXX  XXXX bankruptcy. Most of the agencies have cooperated in getting the accounts in closed status and showing XXXX  XXXX Bankruptcy Discharged. However, they have not removed past delinquent payment dates which has a direct effect on my credit score. The purpose of a bankruptcy is to remove all past derogatory information so a US Citizen can start with a clean slate and start re-building their credit. I believe that the credit reporting agencies are allowing creditors to willful and negligent noncompliance of the FCRA 15 USC 1681c and 1681o and noncompliance of current US bankruptcy laws.
Consumer complaint received 2017-08-15
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)

On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. State I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a family emergency and was XXXX XXXX XXXX XXXX ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted XXXX on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. XXXX sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. XXXX  is being paid the amount I owe in GOOD FAITH 3. XXXX has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. XXXX has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off XXXX is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. XXXX wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA classifies debits as " XXXX '' so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {$25.00} a pop everytime they do so. USAA has accumulated nearly {$500.00} of fees from my account by refusing to deauthorize the recurring debit.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MS)

Synchrony Bank continues to discriminate and lower credit limit based on my creditworthiness, having no late payments and without my permission to make a hard hit on my credit through the credit bureaus. This is the second time with 2 store cards I have had with Synchrony Bank. Synchrony did this several times through XXXX with my Amazon Store card. I received a letter today, XX/XX/XXXX ( same as came with Amazon Store Card ) for my Old Navy Credit Card stating Synchrony was lowering my credit limit due to credit bureau report through XXXX XXXX. Their key factors are the following : Lack of Real Estate Secured Loan ; too many revolving accounts with high balance compared to credit limit ; unpaid collections ; not enough balance paid down over time on retail accounts ; number of inquiries was a factor in determining score. The letter includes this statement, While the date of the credit score may not be recent, your score has not likely changed significantly since this date. The date of the letter is XX/XX/XXXX. Number of inquiries is because Synchrony Bank does the inquiries!!! I have had 4 store accounts and PayPal Credit with Synchrony Bank. On this date, I closed 3 of the accounts. I closed the Amazon account in XXXX and closed HSN in XXXX due to these unfair, dishonest, and discrimination practices. I feel being able to continue this discrimination based on my prompt payments, and good creditworthiness should be investigated as it has gone on for years. I have all recent credit reports and these key factors are not accurate. It is unacceptable to hit my credit report causing number of inquiries to damage my credit without my permission. This company has been continuing these discrimination practices because no one investigates.
Consumer complaint received 2023-08-20
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: EQUIFAX, INC. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : U S DEPT OF EDXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details XXXX XXXX paid off Balance {$4.00} Balance updated XX/XX/XXXX Original balance {$4.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Open. 
Status updated XX/XX/XXXX Original balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor CONSOLIDATED DIRECT LOANS 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-09-08
Product: Credit reporting 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: EQUIFAX, INC. (IL)

I've encountered a recurring issue where I am unable to view my credit report online via both XXXX and XXXX. Concerned about this, I promptly reached out to Equifax seeking a resolution. However, despite my efforts to communicate and address the problem, I have yet to receive any acknowledgment or response from their end. It's crucial for me to have access to my credit report, and I am hopeful that this matter can be resolved soon.
Consumer complaint received 2019-05-15
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. (KS)

They are listing a business that ain't real with my personal info which was stolen and misused. I keep asking them to delete it They keep sending auto responses instead of addresses my concerns. The business the have listed on their site XXXX XXXX is not a company and they are displaying my personal address. They have 2 profiles created with random information of me under XXXX XXXX that they have no authorization for
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MI)

I canceled my cable with XXXX last year in 2014. They sent a representative to pick up the equipment we had. I was home at the time and personally saw them. A few months later they sent a bill for {$120.00} for not returning the equipment. I made several phone calls to them over a few months period. I offered them to return and check our home for what they may have left behind. Nothing would work. They finally sent a bill of {$120.00} to a collection agency. We contacted them to resolve the matter and they were not very helpful. We contacted XXXX once again and finally thought the matter was resolved. As a matter of fact they actually agreed with us and even went so far as to issue a refund check for {$42.00} XXXX 2014. We assumed with the refund and numerous conversations that this matter was resolved. Fast forward a year later after no longer receiving any correspondence from XXXX or the collection agency we applied for a new mortgage and found it has destroyed my credit rating. I have prided myself on having a perfect credit rating for over 30 years! I pay may bills on time and have no blemishes at all on my record except for this. This small amount of {$120.00} has destroyed my credit rating and I am getting a run around from both companies. 
Against my better judgement I paid the {$120.00} in order to restore my credit. I have yet to hear anything from them and need help. Because of this I am forced to pay a higher interest rate on my mortgage. This is so unfair and upsetting. Please let me know what my options are. 

Sincerely, XXXX