davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

Every time that I dispute this item with the credit bureaus, Exeter Finance makes updates to my accounts resulting in a credit score drop of 20+ points or more. During my last dispute that illegally re-aged the account by changing the date of first delinquency resulting in a credit score drop and as of today they have changed my payment history to reflect serious delinquency resulting in my XXXX score dropping XXXX points. The account has been closed for over 2 years and sold over a year ago. Quite honestly, I'm sick of them and the petty games they play every time I exercise my right to challenge INACCURATE items on my credit report. Their actions are illegal and if I must keep enduring their attacks every time I challenge their INACCURATE reporting, I will have no other choice but to issue a notice of pending litigation seeking relief and monetary damages under the FCRA Section 616 & Section 617. 

On XX/XX/2019 I was 30 days late on a payment. They changed it to 60! How could I be 60 days behind when I was in good standing on time, the prior month? After XXXX, the subsequent months were then changed until i was " 120 '' days behind in XXXX. THIS IS FALSE REPORTING
Consumer complaint received 2021-10-25
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.
Consumer complaint received 2022-08-03
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo has been in contact with me and my ex husband XXXX XXXX regarding loan modification paperwork for the past XXXX months. They have contacted on a couple of occasions stating that they would send me loan modification paperwork to my current address which I provided them. Most recently regarding the loan modification they contacted me on XX/XX/2021 requesting my drivers license as proof of my current last name so that they could change my name on the loan and send me paperwork to my address regarding the loan modification. I never received paperwork at anytime with regard to loan modification and in fact at the date of the conversation on XX/XX/2021 the loan modification had already been processed. I am still on the loan and they have processed the modification by XXXX XXXX simply crossing my name off the paperwork. I have contacted Wells Fargo about the error and their company misleading me about the process and steps that were taken when speaking with me. I requested that they send me all documents regarding the loan modification that were signed immediately before anything is redacted or changed and that there be a flag on the account so further changes can not be made to put me at a disadvantage or further process the paperwork. Wells Fargo stated that they could not send me the loan modification paperwork and did not state that they would place any flag on the account or take any immediate action on the individuals within Wells Fargo that processed this. At this juncture I need to know what next steps can be taken as they willfully deceived me and still are not sending me paperwork for the account I am listed on.
Consumer complaint received 2021-11-05
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. (NY)

On XX/XX/2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day, over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so the disputed items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I signed up for a Citi XXXX checking account because it advertised a XXXX XXXX XXXX AAdvantage bonus miles promotion if certain terms were met. Mainly, the terms were to spend {$750.00} in qualifying debit card purchases within 60 days after opening the account and to make a qualifying bill payment for 2 consecutive months within the same 60 day window. I met all these requirements, but Citi is refusing to credit me the XXXX bonus miles because although all transactions were made within the 60 day window, one of them posted just after the window. This seems like a disingenuous move on Citi 's part because I only opened this account and spent {$750.00} just for the bonus miles, and to have one transaction " post '' just outside the qualifying window is very unfair. For whatever reason, this one transaction took particularly long to post, whereas others posted very quickly. I am not claiming that Citi is doing this intentionally, but I just wish they would at least have the courtesy to make the exception in my case since I clearly made all the transactions and qualifying activities within the 60 day window. {$750.00} is no small amount to spend and I feel as if I have been deceived by Citi.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

The company that i was working for pin this on me and they went belly up.Therefore, since i was XXXX a XXXX XXXX at the time. The company owner did not provide me with proper equipment, in this case snow chains. And then i got a ticket for not carrying snow chains after pleading to get me the chains.I have made an attempt to pay for some of these fee but i have realized that i can dispute the matter and i will do so till i get the results i need.
Consumer complaint received 2021-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hollins & McVay, P.A. (SC)

My name is XXXX XXXX XXXX My checking and savings account was completely garnished by a court order in Kansas. The po box the notice was sent to my mothers mail box. She checks the mail, if it looks like spam mail she throws it away. She said she did see some stuff with my name on it but I figured it was wrong person they sent it to or just spam mail. After my account was garnished and I was told it was a court order I told my mother to save those prices of mail, and when I got back to visit her I would see what it was. I got sued and the suit was awarded to the attorney suing me for a criminal debt from 2009. I do believe this is well past the statute of limitations. The law suit was prepared by : XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX XXXX XXXX XXXX  XXXX XXXX  Case No : XXXX.
Consumer complaint received 2021-10-24
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)

Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, Equifax, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report Equifax and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Consumer complaint received 2022-08-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

I revieced a notice dated XX/XX/22 I then sent a email to get more info, I then sent a letter. I revieced the notice in the mail XX/XX/22, the letter states that I had time to respond. I checked my credit report on XX/XX/22 and they had put it on the report. That's not fair.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX. 

While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit. 

I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount. 

Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven. 

While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.
Consumer complaint received 2019-09-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

had an account showing on my credit report that was showing open when it should not have been and it was affecting my credit report negatively with a XXXX balance I disputed this and disputed it again and it's still has not been settled and is being again reinvestigated hi either the credit reporting entity or the account entity itself I also have the same exact legal name for the past eight and a half years now as another woman who is very very close to me and I have found to be linked to her in many ways before and we are not the same person but my information has been linked by same exact legal name even though it is not me but it is impossible to differentiate between the two of us this way.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX I applied for an extension of credit. A few days later I received a letter saying I was denied. I sent a letter requesting further information about the decision to the address provided on the denial letter and it was returned to me, unopened saying the address was incorrect. 
Pursuant to 15 USC 1602 ( f ) credit is my right. Under the Truth In Lending Act 15 USC 1602 ( g ) defines the creditor as someone who regularly extends credit in connection with consumer credit transactions. This private consumer transaction that I did not volunteer to have furnished on my consumer report was unfavorable to me and is defined as adverse action pursuant to 15 USC 1681 ( k ) ( II ). I initiated this transaction using my credit card as defined by 15 USC1602 ( l ). Once I provided them my credit card number they completed a transaction from which I received no benefit. The proof of this unauthorized use of my credit as defined by 15 USC 1602 ( p ) is on the inquiry that is now on my consumer report.

Synchrony Bank has therefore discriminated against me pursuant to 15 USC 1691 ( a ) because I completed this application in good faith and they refused my right to credit.
Consumer complaint received 2022-08-03
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-18
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. (MS)

Company report me late during XXXX and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with XXXX XXXX
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Crate and XXXX/Synchrony Bank offers customers the option to get reward points or deferred interest on qualified purchases made using the XXXX XXXX. Purchases made under the deferred interest option are purportedly tracked under the cardholder 's " promotional '' balance. Those made under the rewards program are tracked under " non-promotional '' balance. Unfortunately, it seems like the company lacks the necessary computer systems to keep track of " promotional '' balances separately from " non-promotional '' balances, leading to incorrect interest charges on customer accounts. My experience is summarized below. 

On XX/XX/XXXX, I made a couch purchase using the deferred interest option totaling {$3400.00}. The company reported my " promotional '' balance as {$3400.00} on this date. 

Subsequently, on XX/XX/XXXX, I placed another order totaling {$870.00} using the XXXX credit card. I chose not to use the deferred interest option with this purchase. Because the company could not fulfill the order on a timely basis, I cancelled this order after few days. Accordingly, I received a credit of of {$870.00} on XX/XX/XXXX. Based on my conversation with the company 's representative, this {$870.00} credit was going to be applied against the original charge. I thought my " non-promotional '' balance was effectively {$0.00}. But this turned out not be the case. Instead of applying the {$870.00} credit to offset the original " non-promotional '' charge, the company 's systems applied it to my " promotional '' balance which is not subject to interest in the near term. Consequently, I was charged interest for carrying an average " non-promotional '' balance of ~ {$800.00} for about a month. I found this out when I read my statement. Today ( XX/XX/XXXX ), I spent over an hour with three of the company 's representatives to figure out what went on. I was told that this issue would be reviewed and that I would get an answer within two billing cycles. I was told that to avoid further interest charges, I need to pay off the incorrect " non-promotional ' balance by the current month 's due date. Effectively, the company is forcing me to pay undue interest and pay off part of my " promotional '' balance which I supposedly don't need to pay off until XXXX.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (TX)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Balance {$360.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Spoke to Experian and XXXX about removing my fraud alert from my credit report and was told by both parties that I will have to write a letter and so I did and it's been over 30 days since that time that my fraud alert is still on my credit report. they refused to do anything and told me that I will have to write another letter which makes no sense. Please help me with this situation with them.
Consumer complaint received 2022-01-03
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. (NJ)

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.