davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

All of the hard credit inquiries were verified in writing to Equifax as " not factual '' and they submitted a letter to have them removed ( to Equifax ) or did not respond to the inquiry from Equifax ( which will also result in removal ). Even after this Equifax will not remove them. 
Equifax 's system is " automated '' meaning no one is actually making inquiries to the validity of the records in disputed item! 
This is just criminal!
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Citibank has been charging me {$15.00} monthly for over 1 year, for a XXXX service that I never requested, never used, never even know of its existence. I called XXXX, they said they are not charging me for anything, and that the issue is with my bank. I called Citibank and the rep said they can not refund me for the past year. I said then I need it to stop right away. She said the issue is resolved and that I will not get charge again. Well guess what, the following month I got charged {$39.00} and this XXXX {$40.00}. I'm now getting charge more than a double. I called Citibank again and request to talk to a supervisor. That was my worst experience ever!. He said he's not going to refund me, and the only thing he can do is to issue a new card and my current card will be block until the new one arrive. I now have les than {$20.00} in my account. If you illegally take {$80.00} from me and block my {$10.00} what are you doing to me. After banking with you for over 5 years!
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (FL)

I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MN)

I viewed my credit report from Equifax and was very upset to see incorrect information on my credit file. I had a XXXX XXXX acct where I was charged for an auto repair that was never done yet the auto mechanic would not give me back my vehicle without payment of which I used my XXXX XXXX card and immediately filed a dispute with them explaining what happened. The mechanic lied to them about the charge of which they told me I had to get another mechanic repair report of which was submitted. They refused to accept the report that the work was not done that was paid for and would not remove it. I continued to complain to them about it as they were sending me statements of which I had to pay even though I did not receive the auto repair that was charged for. So I told them I could no longer send payments for something I never received. My XXXX XXXX acct was eventually bought by XXXX XXXX. That hurt my credit history of which I then contacted the MN Attorney General for help. They were very good in helping me with this problem and were able to force XXXX XXXX to remove the derogatory information that was hurting me as I am in the middle of buying a home! To my shock I find out today that Equifax is still posting this plus they had an inquiry from XXXX that I never had any contact with yet it shows as an inquiry. Equifax said the XXXX XXXX information has not been updated since last year!!! I asked them why their information is n't current? They said it is up to the company 's to update information on customers accts. I filed a dispute today but am very upset that the credit reporting agency 's are not requiring monthly reporting for the public. I told them I have a letter I can fax them from the MN Atty General 's office where it states that XXXX XXXX agreed to remove this from my credit report. They said they would not accept the letter from the Atty General, they will only accept what XXXX XXXX sends them within 30 days. I do n't know what to do. I am in the middle of buying a home and this is only going to make things worse. Equifax does not have current, correct information for the consumers and something needs to be done to ensure the unsuspecting public is protected from having incorrect information as well as current information on their credit files/history. When companies buy debt from creditors they should be held to the same standard as credit card companies or anyone who extends credit. Please help me if you can! This is just not right! I have a letter from the MN Atty General Office as well as a letter from XXXX XXXX where they state they would remove this from my credit history. To date, that has NOT been done. Let me know if you want me to fax them to you since I ca n't seem to attach them to this complaint. Thank you!
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (HI)

Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In violation of what I have read in the FCRA, Equifax is stating that my dismissed XXXX XXXX will remain on our credit report for 3 additional year. By contrast, XXXX and XXXX have informed us that this dismissal will be removed from our credit report in XXXX and XX/XX/XXXX, respectively, of this year. 

The attorney we worked with did not have all of the paperwork in order for our XXXX XXXX when he filed it in XXXX. He corrected our paperwork and refiled it correctly in XXXX. We completed our payment plan a year and a half early in XXXX. 

We would like for Equifax to comply with the law and remove this Dismissed XXXX XXXX, not later than XX/XX/XXXX. Until then I will not be able to apply for the level of executive positions for which I am qualified. 

I am attaching copies of the dates for removal from my XXXX and XXXX Credit Reports. Please let me know if you need anything further from me on this matter. 

Sincerely, XXXX XXXX, XXXX.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: RFNA, LP (TN)

they got my name from somewhere and sent me an check in the mail I never ask for I do n't think it should be legal Republic Finance and they lied about me begging them for a loan in  XXXX  TN .last year they do many checks in mail to many people I told the the motor blew up and i had to replace it .I only get   XXXX   income they waited the day before to get it
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I contacted Equifax XXXX/XXXX/2016 XXXX in regards to XXXX they open a new investigation again even though the were provided with docs to remove this items from my credit report we are going around and around they fail at ever turn to do anything about XXXX and keep reporting information they call the account verified when it clearly is not they have in the records a copy a court order yet
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Equifax is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Equifax to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Equifax report.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Hello, Both XXXX AND Equifax are reporting an UNRECORDED judgment improperly and illegally! I disputed XXXX different Judgements on my Credit Reports. # XXXX & XXXX XXXX & XXXX ( this is XXXX still remaining on the XXXX report ). Equifax did not remove anything Instead they verified them and refused to remove them! I would like to file a complaint against Equifax & XXXX please see attached XXXX pages of documents there are NO Judgements against me in the record of deeds office! Equifax & XXXX are the only Credit Reporting Agency that has refused to properly investigate an account on my report of a recorded judgment. I have provided proof that there is NO judgment of record and their reporting of a case file judgment that was never completely adjudicated and recorded as a legal instrument is a clear violation of the FCRA. I reserve the right to take further action including filing appropriate complaints with the XXXX on XXXX violations and the XXXX under the penalty rules of the XXXX ( XXXX/XXXX/XXXX ) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ), New York 's consumer protection agencies, XXXX and to take civil action to recover damages. Please note that Equifax Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I have sent Equifax & XXXX a copy of this complaint.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I contacted Equifax after receiving documentation from XXXX XXXX XXXX that they have removed their listing from my credit file after their investigation. The XXXX listing has been removed from XXXX and XXXX. Equifax is the only credit bureau reporting the old XXXX listing. XXXX XXXX XXXX is the owner of the XXXX Account. I contacted Equifax and advised them of this and provided documentation and requested that the XXXX account be removed from my credit file. When XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. The date reported is not what is disputed and when the company sold the account they sold their rights to update it. I then spoke with the Fraud department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX XXXX but they have not removed XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing. This account is too old.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. you should have this info at your XXXX GA XXXX XXXX closed account XXXX and closed XXXX account XXXX all credit inquires..
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

On XXXX, I received a letter of " please provide property insurance information '' from the lender Mr. Cooper XXXX asking me for proof of XXXX insurance. I believe it was wrong, since my XXXX XXXX insurance already contains the property insurance they need. The XXXX  insurance is an all inclusive wall in insurance. 

Every since that, the night mare begins, I submitted their required document multiple times through their portal, by emails and called them multiple times. This wasted me more than XXXX hours in total. 

Every time, the company told me " wait for XXXX business days '' for update. or " we will call you ''. But there was never a call back or any response. When I asked the customer service multiple times " How can I know you guys have processed, approved or rejected '', they always say " check the website ''. 

And today I received the final notice saying " you have to buy the insurance, otherwise we will buy it for you ''. 

The lender failed to respond or communicate with me, and tried to gain benefit trough the whole process. I believe I am not the only victim.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have a Public Record on my credit profile that is inaccurate in its filing. The derogatory is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. Although the procedure is dismissed, the credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. I have a right by consumer law to have knowledge and/or document of WHO VERIFIED!!! This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Albert Corporation (TX)

My tax return was deposited onto my Albert cash card on XX/XX/22. I moved money to the savings option so that there would not be a large amount on the cash card in case it was lost or stolen. I do this all the time. I went to move money back to the cash card so I could pay my bills and it would not allow me. It stated I had reached my limit of XXXX and needed to wait 30 days. I then contacted support to see if they could help me by moving the money or raising the limit so I could pay my rent and car payment. They stated no. I asked to speak to a supervisor and they ignored me. I then asked if I could close my account and having the money sent to my external bank that is linked to my card. They stated they could not do that until my balance was 0.00. I need help accessing my money. I'm going to evicted and my car repossed if I can not access my money. I went and read the agreement and the only thing it says is you can not take more than XXXX out of an ATM. Nothing about transfers. Please help!!
Consumer complaint received 2017-05-25
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: Experian Information Solutions Inc. (FL)

On Wednesday,  XXXX   XXXX , I received a letter from   XXXX    XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from Experian about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list   XXXX   so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I learned of an inaccurate account when I checked my credit report. I called Equifax to ask about it, they directed me to the data furnisher, " XXXX XXXX XXXX XXXX ''. I contacted them by mail ( see attached letter ), and asked them to provide me with further documentation, per Section 623 ( a ) of the FRCA. They failed to respond in any way. I received no letter, nothing. It 's now been 2 months. I disputed the item with Equifax but they have not removed the account from my credit report. They are supposed to do so within five days of learning that there is an erroneous, unverified account. Please help me to get them to do what they are required, by law, to do!
Consumer complaint received 2017-02-27
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I continuously speak to XXXX and still no response from Executive Offices. Another request with no response. Please advise. I am a very frustrated consumer. I paid of a Ally Financial Auto early due to the mileage. Over {$5000.00}. It was turned in to XXXX XXXX in XXXX, XXXX There is a {$150.00} charge Ally claiming the Lessee, ( me ) cracked the drivers seat plastic part. I did not crack the seat. I am a very small woman and wrote a letter to your Executive Offices as instructed by XXXX. Ally Executive Offices signed for the certified letter XXXX/XXXX/XXXX. To date no correspondence pertaining XXXX to my letter. 

Your representatives keep calling on a daily basis claiming never to receive any information from the Executive Offices and demand payment. 

Please assist it getting a frustrated consumer that did not incur this dollar amount closed on this Lease Account. 

The XXXX of being told this small dollar amount will go to collections and the numerous amount of calls each day needs to end. 

We are good consumers working with you and want to have the account closed. 

Please advise. This is my second email request. 

Regards, XXXX XXXX XXXX On XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX. XXXX XXXXXXXXXXXX XXXX wrote : Begin forwarded message : From : " XXXX XXXX. XXXX ; XXXXXXXXXXXX XXXX Date : XXXX XXXX, XXXX at XXXX XXXX EST To : XXXXXXXXXXXX Subject : Complaint To whom it may concern, I am a frustrated consumer and getting no help with a {$160.00} charge. 

I was told to write to executive offices and Ally has signed for it on XXXX/XXXX/XXXX and I keep getting calls and calls. 

What is next to dispute a small dollar amount. Calls start very early and go late at night. 

XXXX XXXX XXXX