davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX  I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (CA)

I signed the lease in XXXX and cancelled two service contracts in XXXX. The cancelation form was processed on the same day ; however, the cancelation refund was not issued until three months later ( XXXX ), after my multiple contacts with three different parties : XXXX, XXXX, and local dealer. 

I noted that the refund amount missing the SALES TAX portion which I had paid when I purchased the lease in XXXX. Today, I was told by the local dealer that Sales tax is not a refundable or cancellable item. If that is true, please send me the regulations or references regarding this topic.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (OH)

Discover XXXX XXXX Discriminates. 

We started an application for a XXXX  with with Discover Home Loans. We were told they do not do XXXX only XXXX XXXX XXXX. My husband XXXX spoke with the reps. and I emailed with them. At no point did they tell us that they do not offer any type of loan to people who own more than XXXX acres of property. They had multiple opportunities to tell us this as they had our address at the onset of the process. 
. 
1. This practice is discriminates against individuals who farm, live in rural areas, and are of a protected age as large landowners are typically older. ( average age in 2020 was XXXX ). 

2. This limitation was not disclosed at any time prior to or during the application process. We spoke to reps, emailed reps and had multiple electronic interactions in their portal. They inquired on our credit, lowering our credit scores, and wasted our time. 

This inquiry will increase our interest rate and lower our score jeopardizing our ability to obtain a loan with another company. 

The inquiries need to be electronically deleted using E-oscar or whatever the current quickest method to update ALL THREE CREDIT BUREAUS is.
Consumer complaint received 2022-08-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous items being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following items on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The items that should be corrected are as follows : DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Open Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-01-15
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. (MI)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (SC)

My 2018 XXXX XXXX was stolen. It was recovered 40 days later and by then the insurance company had agreed to pay the vehicle off. XXXX paid the vehicle off. We decided to keep the vehicle and pay the remaining balance after damages, assessments, and adjustments. Ally financial has since cashed the check from XXXX insurance in the amount of {$27000.00} and is say they dont have it. Ally stated the check was returned and XXXX doesnt have any proof of the check being returned nor does Ally Fin. They have provided me with a transaction history that is incorrect and I feel should be void.
Consumer complaint received 2022-01-14
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: ALLY FINANCIAL INC. (AL)

There was a lawsuit between Ally Financial XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. Ally Financial still continues to report to these 2 bureau 's. I have spoken with Ally Financial finally on XX/XX/XXXX. The law firm that supposedly handled this case for Ally failed to report back to Ally the court order. That firm is XXXX and XXXX, XXXX. I am faxing the court order in to Ally Financial per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for Ally Financial and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Consumer complaint received 2022-01-14
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: BARCLAYS BANK DELAWARE (CA)

on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through XXXX. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with Barclays credit card. They removed the item from my account. XXXX sent Barclays a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted Barclays 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously Barclays does not do that.
Consumer complaint received 2022-01-14
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. (GA)

I have constantly been sending out letters regarding my charge-off accounts and a medical bill that they are reporting that is violating my HIPPA rights and the account doesn't have a name just the account number but here are the accounts that are reporting incorrectly XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. The charge-off accounts are reporting incorrectly and showing a past due balance and according to the FCRA, XXXX have the to an accurate credit report.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (PA)

Equifax is reporting to of the same accounts on my credit report with the same account number and same balance. ( Account # XXXX XXXX XXXX ) It is ILLEGAL to report two of the same account on a Credit report
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Yesterday, XX/XX/2022, I opened a savings account with Chase. Today my account was locked. I called the support line, spent the entirety of my day waiting to get into contact with an agent, the agent put me on hold and then informed me that my account has been terminated and they dont have a reason. I went to a chase branch close to my house and they refused to release the funds from my account, and informed me I will receive a check within the month. They would not tell me why my account was terminated. I was a member of chase bank for nearly a decade with no outstanding debt or overdraft during that period. I want to emphasize a single fact in here, I spoke with maybe 6 representatives and not one of them could tell me why my account was terminated how could a business operate in such a manner that they can not give me a reason as to why they are terminating my account?
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have violated my rights XXXX 

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 an account without my written instructions.
Consumer complaint received 2022-08-26
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. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-05-18
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. (CA)

I have already submitted a Complaint to XXXX, Equifax, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

My XXXX XXXX journey was in arrears by I think it was around {$1700.00}. A tow truck did come and pick up the car. However, we paid the full amount and received the car back. The car was never repossessed. Ally financial initiated the process, but never went through because we paid the arrears. Now, the car is being reported on my credit report every month, and it showing that I have made absolutely no payments for the year of XXXX. I have tried to fix this with the company to no avail. We still have the car and have been making on time payments since we have received the car back. I have argued with everyone and no one well help me. The balance reported on my credit report is wrong, we have the car and have attached a picture of the balance owed, and that we have the car. I also attached a picture of paying the {$1700.00} to redeem the vehichle.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank is responsible for lowering my credit rating. They are lowering it not through me missing payments but by lowering my credit limit. I have not missed any payments with Synchrony Bank and every month they report paying as agreed to the credit reporting agencies. I applied for a card with Synchrony Bank during a time when my pet needed surgery. Synchrony Bank approved me for a line of credit of {$1600.00}. I did not need the full {$1600.00} and was carrying a balance on the card 50 % of the limit at its highest. Synchrony Bank evaluates the credit of their customers periodically. During my last evaluation Synchrony Bank felt as if my credit worthiness was minimal and my score was low. Synchrony Bank decided that because of this they would lower my credit limit to {$1000.00}. This decrease was 60 %. With me carrying a 50 % to limit balance month to month my debt to limit ratio was raised costing me XXXX points on my XXXX score. There was a point in time when I struggled financially due to other factors and I was late on bills and even filled XXXX. All of those things have been on my report since I applied for a Care Credit Account through Synchrony Bank. Synchrony Bank listed reasons as to why my limit was decreased : Lack Of Real Estate Secured Loan Information This is WRONG. I have a mortgage from XXXX bank that is serviced by XXXX XXXX Services. I opened the mortgage on XX/XX/XXXX and for the last 24 months it is paid as agreed. XXXX does not report my mortgage but XXXX does. 

Too Many Revolving Accounts With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr of this year. If this is the case why would you lower my limit so that my credit file will reflect cards with high balances. 

Too Many Bankcards With High Balance Compared To Credit Limit This is correct but everything is paying as agreed and will be brought to a zero balance by the end of the 1st qtr. of this year Too Few Accounts Paid as Agreed- there has been longer than 24 months since I had an account that was not paid as agreed I am in the process of improving my credit and on track to refinance and make major purchases in the first qtr of XXXX. 

I am attaching documentation of my mortgage, and the part that Synchrony Bank plays in lowering my credit score.

I have 100 % of the time paid as agreed with Synchrony Bank and they should not do anything to destroy me financially.
Consumer complaint received 2022-12-29
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: Fidelity National Information Services, Inc. (FNIS) (OK)

'Description of my problem with the business in request for the removal of ( Inquiries Viewed by Others ' ) on my ChexSystems Consumer Report. 
'Statement that the business made inquiry on XX/XX/2020 that impacts my Consumer Report that ' may be included in reports to other " Banks.

'Statement that the inquiry remains in my ChexSystems File for up to ( 3 ) years or until " the XXXX XXXX XXXX  and the XXXX XXXX XXXX only!!! makes ( Verbal or Written request ) to ChexSystems for Removal. ( However ' not. to use an Adverse Action Form with the Bank ' and Consumer ' that was already Completed resulting in not. removing the Inquiry ) 'Statement that the XX/XX/2020 inquiry made by the XXXX XXXX XXXX was as to why " I have a Security Freeze and Fraud Alert in place on my ChexSystems Report. 
'Explanation that I have been unable to open a Money Market Savings Account with XXXX XXXX  during the last year because " the XXXX XXXX XXXX  refuses to remove the Inquiry on my ChexSystems Consumer report.
Consumer complaint received 2022-01-15
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. (MI)

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Equifax several inaccurate and unfair practices. Equifax breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Equifax is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Equifax has brought upon me the consumer for knowingly violating and practicing the behavior.