davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has XXXX not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

AFN I Corporation has some kind of a write off for me for some equipment with the cable company that was demolished in the hurricane in the XXXX XXXXXXXX in 2017 the house was demolished all the equipment was demolished I went to the XXXX building which was demolished they made me sign some paperwork and ever since then Ive still been getting billed I dont know in the house anymore it was lost in a natural disaster
Consumer complaint received 2020-08-17
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. (AR)

I asked XXXX, XXXX and Equifax to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX XXXX Contact Date : XX/XX/2020 2. The following account is not mine XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect 09 XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect 11 XXXX   XXXX XXXX XXXX  Amount : XXXX Bureau Contact Date : XX/XX/2020
Consumer complaint received 2021-07-16
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. (KS)

XXXX XXXX charged the credit card 3 times for the same purchase XX/XX/XXXX - day of original transaction {$1500.00} and agreed upon amount XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XXXX  XXXX  credited the card one time after being contacted XX/XX/XXXX ( {$1500.00} ) CitiCard issued two conditional credits XX/XX/XXXX ( {$1500.00} ) XX/XX/XXXX ( {$1500.00} ) CitiCard reversed both conditional credits XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} Resulting in an overcharge of by {$1500.00} Several phone calls, letters, emails, and filing of disputes with CitiCard never cleared up the matter even though agents on the phone said this would be taken care of. Further invoked XXXX XXXX dispute resolution without success.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF THE WEST (IA)

Previously had checking account with Bank of the West, XX/XX/XXXX-XX/XX/XXXX, overdrawn once & was charged {$5.00} a day for everyday overdrawn plus customary {$25.00}, other fees,, total of {$550.00} Now this is showing as negative/ derogatory on credit report, is such daily overdraft charges legal? Never known of another financial institution having such charges, feel these are unfair, outrageous charges, I have applied for my VA home loan benefit feel this might hinder progress
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (KS)

Purchased an airline ticket with points. They told me about a change and provided the option to respond by email. which I did twice. I called them XX/XX/XXXX and ask to respond to me by email. they have not responded.
Consumer complaint received 2022-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (IL)

Towards the end of XXXX 2021 I was out of work for 2 months and got behind in my mortgage payments. By XXXX I was 3 months behind, I then contacted the mortgage company and requested their home assistance program. I submitted all the requested info and a couple weeks later was told that because I failed to send in all the info that the case was closed. I called them and talked to at least 4 people who told me different things were needed. By XXXX I submitted a complaint to XXXX because I was constantly getting the runaround and being told that all info was not sent even though I had proof that I did. After complaining to XXXX the mortgage company got back to me and said that they would check into it immediately, I then received a call from the Manager XXXX XXXX stating that she didn't understand why this was taking so long, that they had received all the proper documents and that I should be hearing from them by the beginning of XXXX. It is now the end of XXXX, I am further behind in my mortgage and I've heard nothing from the company ( New American Funding ) still. Since I decided to go with this XXXX it has been a constant struggle, getting approved, feeling extremely discriminated against and asked to do things that frankly no one I knew had ever had to do ( for instance proving where all my funds come from ) Please Help.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

The US Bank had handled my refinance in error, it made me mentally upset, especially when i saw the loan term 30 years ( my final signing documents was 20 years ), i went to see the mortgage officer of US Bank and asked them to correct it for me but they didn't do it, they had checked with the escore too. 
The bank kept going to sent me the 30 years loan terms to ask me to pay for it. i had to borrow the money from my relative to pay for it until i get the new job. The 20 years and 30 years term, there is a big different, i have to pay over 150k for the whole loan. i can not sleep well ( upset ) every night after covid-19.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (NY)

They US Bank is reporting inaccurate information to 3 credit bureaus which negatively impacts mycredit score for a 1 missed payment XX/XX/2014 for {$57.00} in which they never sent a bill or sent it to an incorrect address a mistake on their part-/ this happened their error 4 yrs ago and their mistake should have no bearing on my credit score! I want them to correct their error with all credit bureaus onvolved also when I paid off my balance in XX/XX/2014 I told them to close my account which they also have not done!! Their services are very poor to say the least!
Consumer complaint received 2023-03-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately for they are greatly harming my credit : 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 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 XXXX XXXX
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (IL)

I purchased my vehicle from Hyundai on XX/XX/XXXX. I moved to XXXX  from XXXX  and registered my car. 

I log into my account to make my payment for XXXX and see an amount due triple my normal car payment. 

I called Hyundai to find out what was going on. I was advised that I have to pay taxes for the state of XXXX   since moving.

I understand that I have to pay the taxes for XXXX. I am asking for help. We're in a pandemic and Hyundai advised me they can not make payment arrangements for lease consumers. I have been able to make my payment every month during this pandemic. I can not afford to pay {$900.00} in taxes by XX/XX/XXXX. 

Hyundai refuses to help, they will not even split the payment up. I did not receive a bill or notice of this tax amount needing to be paid. Nor it is on my monthly statement. So now I will lose possession of my vehicle because I am the only person paying bills in the household. I don't have an extra {$900.00} for taxes. I would appreciate being able to make this payment split into a monthly payment or over the remaining duration of my lease. 

It not fair that when I purchased this lease I advised to the salesman that I would be potentially moving to XXXX. He never advised that I would have to pay additional taxes in another state. I paid taxes up-front for the state of XXXX. This is unfair, I have been advised I don't qualify for help because I am leasing the vehicle.
Consumer complaint received 2022-08-29
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. (MA)

I am currently within a XXXX XXXXXXXX plan. My loan with XXXX XXXX is not included in the plan and I pay them each month for my vehicle. I have never missed nor been late with a payment since XX/XX/2018 when the loan originated. XXXX XXXX has not been reporting my monthly payments to any of the three credit reporting bureaus ( XXXX XXXX, XXXX and Equifax ) though I have sent them, on numerous occasions, the plan showing this loan is not included as well as statements that the loan is current. Each and every monthly loan payment is required to be reported as paid on time and XXXX is NOT reporting these payments.
Consumer complaint received 2022-08-29
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. (AZ)

There is an error on my credit report that is very easy to see and to correct if an actual person was reviewing my file. On my credit report with Equifax, it is showing I made three late payments to XXXX XXXX XXXX, XXXX & XX/XX/XXXX. This is incorrect. My loan with XXXX  was transferred to XXXX on XX/XX/XXXX. In fact, the Equifax credit report shows this BUT for some reason Equifax is reporting those late payments which is impossible as the loan was transferred XXXX years earlier. 

I have contacted both XXXX and attached a record of all payments made on time to XXXX which includes the dates of the incorrectly reported late payments. Furthermore, you can not get through to an actual person at Equifax. Their auto attendant does not work so it's impossible to contact them.
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

I received debt collection letters from TRS recovery services on behalf of the XXXX XXXX credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to XXXXXXXX XXXX card.I reported the fraud to my. bank XXXX and the matter was resolved with the XXXX XXXX XXXX XXXX ( I have a letter from my bank stating as so ). Now it seems thaht XXXXXXXX XXXXXXXX XXXX XXXX, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report
Consumer complaint received 2022-07-02
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. (KY)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Dear NRA/National Grid ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I am in a XXXX XXXX chase bank in XXXX tx told me to have my durable poa bring unsigned check into bank and deposit it violation 1 he should have never accepted unendorsed check of such multitude now I ordered my checkung account closed and still haven't recueved the remaing amount withen the 9 day period as laws instructed what do an old XXXX wonan do wgen they won't teturn her only funds
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADP Inc. (GA)

ADP is attempting to collect a debt not owed by myself ( consumer ). They have agressively garnished my wages from my employer at the percentage of 25 % since XXXX. I have called to speak with someone and was transferred to someone out of the country that could not help me. I sent an email and letter statting that I do not owe the debt.ADP is in violation of The Fair Debt Collection Practices Act. I do not owe ADP and have never entered into any agreement with this company. I demand all wages be returned to me with damages. 
I am requesting all wages stolen in the amount of {$890.00} I am requesting damages of {$100.00} per garnishment total {$1000.00} as per the congressional fine for such violations I request a Cease and Desist of all debt collection actions I request and apology for the financial harm and XXXX  distress these violations have caused for myself and my family.
Consumer complaint received 2021-07-15
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. (FL)

I found inquires that are total fraud. I found absolutely unknown inquires in my own credit profile. I do not want to have these inquires because they are not mine. Could you please help me to figure out who used my personal data and filed these items? Of course I would like to get rid of them and if you remove them after your check I would be very grateful.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (GA)

Phoenix Financial Services LLC at XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX has been sending me collection notices in the amount of ( {$830.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2020-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (WI)

Quicken Loans had been taking our mortgage payments but not applying them to our loan or balance. They had intentionally misapplied our payments to a suspense account for over 13 months which reached over {$10000.00}. This caused us to pay interest on a higher balance than we should have, if they had applied the payments in an accurate and ethical manner. It took over 2 weeks of calling their office and eventually contacting the executive office to get the funds applied. However, Quicken Loans has yet to refund us for the amount we paid in interest due to their illegal practices. They also falsely stated to HUD that we were not paying our mortgage and that we were delinquent, which caused many issues in our process of buying a new home.
Consumer complaint received 2021-07-15
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following Inquiries or Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$250.00} ( UNTITLED ) Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} DEPT OF ED:XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

On XXXX XXXX 2020 I was alerted that my XXXX score had dropped by 30 points. I went to check and a company going by Capiro Partners LLC stating that I owed a medical bill in Louisiana with false dates and falsified information. I filed an XXXX  dispute and Capiro Partners LLC flagged the false account as collections and have since flagged it monthly as if I have a late payment on my credit. I have not spoken to or agreed to pay anything with a Capiro Partners LLC who is intent on destroying my hard earn credit rating in an attempt to bully me into paying a debt that is not mine nor do I have any knowledge of. They are downright illegal in the way they go about business, by blatantly abusing reporting powers to report false information in an attempt to intimidate and bully consumers into paying debt or suffer.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (FL)

I sent in a dispute for all of the 4 ChargXXXX off accounts on XX/XX/2022. I then called on XX/XX/XXXX to check the status and on XX/XX/XXXX I was sent an email from XXXX stated they were verified. And that can not be true because on XX/XX/XXXX, they told me that they needed to place a dispute with the companies, and it could take up to 30 days and I went over the accounts. So how can I call on the XXXX and then receive a " verified '' status on the XXXX. That is false investigation and I demand that they have these accounts removed immediately. Not only are they reporting inaccurate information, but they also have my account linked to the wrong social security number as well. I have been disputing these accounts on all 3 credit reporting agencies for over a year and they have continuously reported inaccurate items taht need to be deleted. This has caused stress for me and my family and our financial stability to take care of our family. I have suffered from stress and XXXX dealing with the credit reporting agencies and there inadequate and wrongful reporting 's according to Fair Credit Reporting Act.