davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My social is being used to open bank accounts and credit cards I have frozen all my account with all 3 bureaus but equifax denied my disputes and they remain on my account.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-24
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. (SC)

Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to Equifax, XXXX, as well as XXXX with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Consumer complaint received 2018-12-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (OR)

My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.
Consumer complaint received 2018-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Been on income contingent plan for years. Recertified my income contingent plans this summer and in XXXX of this year. 

Navient did not apply income contingent plan to my federal loans instead it was applied again to my private loan that has small balance. I received notification stating my monthly loan amount will go up to almost 2k and to recertify. I was confused because I already did this but I went to certify through my studentloans account again and was unable to recertify b/c it said i already recertified. 

I faxed Navient and email them through my Navient account on XX/XX/25 and i received an automated email notification stating will follow up within 24 to 48 hours and company never did.
Consumer complaint received 2018-12-02
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: VW Credit, Inc (FL)

I leased a vehicle from XXXX and due to Servicemembers Civil Relief Act I requested a early lease termination. The request was subsequently approved on XX/XX/XXXX by VW Credit. 

After receiving notification of the approval, I closely followed the instructions for surrendering the vehicle. The turn in procedures went successfully and there were no problems however I contacted them several times about the Capitalized Cost Reduction reimbursement and on several occasions they denied my request stating that there are would be no refunds as no security deposit. During the purchase I placed a cash downpayment of {$3300.00} on XX/XX/XXXX as evidenced in the closed end motor vehicle lease paperwork. 

Based on my research and past federal district court rulings has ruled that the cash capitalized cost reduction ( CCR ) payment allegedly made by a military servicemember upon signing his auto lease was refundable under the Servicemembers Civil Relief Act ( SCRA ). 

The SCRA allows a lessee called to active military duty to terminate an auto lease without incurring an early termination charge and requires the lessor to refund any lease amounts paid in advance for a period after the effective date of the termination of the lease. VW Credit has not and will not refund my CCR payment and the failure to refund a prorated portion of this cash CCR payment is a violation of the SCRA. 

I believe that the cash CCR payment was a lease amount that he paid in advance, for the full period of the lease, that had the net effect of [ a ] prorata reduction or prepayment of a portion of each future month [ s ] payment. 

I appreciate any assistance you can provide on this matter.
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
Consumer complaint received 2020-10-06
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: Exeter Finance, LLC. (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2018-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

There is an issue with Synchrony Bank, this bank practices ethics that hurt consumers. On my credit report I have five Synchrony Bank account cards that have been closed by the creditor. These credit card accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX and Care Credit. Every one of these accounts closed by Synchrony bank have never been late. Still Synchrony Bank has closed all five of these accounts and hurt my credit scores. Instead of having credit cards with longer timeframes and more credit to improve my scores. Synchrony continues to drive down my credit scores for no valid reason. My wife was diagnosed with XXXX and we had alot of medical bills while reduced to one income for a long time. However we paid every bill and never filed bankruptcy. We have been working hard to rebuild our credit but Synchrony Bank continues to set us back over and over again. Synchrony Bank needs to answer for every one of these accounts. 

Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank Care Credit - XX/XX/XXXX Every one of these account never late and never missed a payment. I want answer from Synchrony Bank as to why they take this action to hurt us consumers. I want action taken against Synchrony Bank for this inappropiate conduct. My credit scores would b 80 points higher if not for consistent closure of credit accounts by Synchrony. This bank needs to be heavily fined or it must correct its mistakes for closing my accounts. Please take the appropiate action against this company.
Consumer complaint received 2021-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

I received a letter from the money source regarding my home being foreclosed in and that I need to pay the full amount. It is my understanding FHA doesnt require full payment and this letter sent to me tells me Im in violation when its clear I am in the forbearance program. If TMS is sending this letter to their customers then they are in violation to FHA mandates and is intentionally providing false information and scaring people about losing their homes. Please investigate this matter and contact this lender to contact their actions. Thanks.
Consumer complaint received 2021-10-03
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. (TX)

IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
Consumer complaint received 2017-10-15
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. (FL)

Five collection accounts were deleted due to me not having a legal contract with the company and during the equifax breach the collection accounts were added back on. I uploaded copies showing the accounts were deleted and the documents showing the accounts being added back on! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. And Equifax did NOT notify me The FCRA requires credit reporting agencies to " maintain reasonable procedures that ensure maximum possible accuracy.
Consumer complaint received 2018-12-01
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. (NC)

I ordered merchandise on the web but never received anything. No notification of status and I was never billed!! 
The company said it was delivered but could not produce any proof. 
The first I heard about this was a call from a collection co. I told them what happened as instructed I faxed a letter to them. 
Equifax got involved and said they would investigate. My credit score dropped 100 points. I offered to pay the amount in this dispute just to get my credit score raised. This was refused by both the collection co and the merchant. 
What do I have to do to rectify this?
Consumer complaint received 2020-10-06
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: Westlake Services, LLC (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2020-10-06
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: Klarna AB (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2017-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Today I called the dispute resolution center for Equifax and XXXX to discuss removal of a tax lien reporting that falls under the National Consumer Assistance Plan. These items fail the identification process where the name, address and SSI and/or DOB need to be documented to be reported ( the SSI numbers are partially redacted and there is no DOB on file ). In speaking to representatives and their supervisors at both agencies, neither was able to admit they had any knowledge of the XXXX or the Consumer Financial Protection Bureau and how they would effect the now erroneous lien reporting on my credit bureau. They also could not refer me to anyone in their respective organizations that would have knowledge of the XXXX or CFPB. They went as far as to refuse any knowledge of the existence of the XXXX and CFPB and also refused to investigate the possibility that they exist and do in fact offer a resolution to my request to have the incorrectly reported items removed. For reference, I called XXXX  and received an completely different response. The agent was aware of the XXXX, reviewed my credit file and agreed to delete the item in question within 24 hours. I have confirmed that the agent at XXXX has in fact followed through on his statement and that lien has been removed. Kudos to XXXX and shame on XXXX and Equifax. I have attached copies of the items in question so a quick review can confirm they do not comply with the XXXX and should be deleted immediately and permanently.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (NC)

Good afternoon, In XX/XX/2022, I signed up for a US Bank " cash back deal '' that was sent to me through an email. The cash back deal stated that if I made a purchase of {$100.00} or more from XXXX XXXX XXXX, that I would receive {$35.00} cash back. 
I made the required purchase on XX/XX/2022 for {$100.00}. I never received the cash back, even after contacting US Bank twice. I believe this is an Unfair and Deceptive practice by US Bank to not follow through on their offers.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AR)

On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I had an account with Citi Bank and fell behind. The last payment was made around XX/XX/XXXX. The account was closed XX/XX/XXXX due to past due statue. There was a deficiency balance which was included in the bankruptcy but the statue of limitations passed since the account first became delinquent 10 years prior to XX/XX/XXXX of this year and the statue is only 7 years from when the account first became late and never again became current. It has been disputed with the bureaus as well. The issue appears to be with Citi since all three credit reporting agencies are reporting the account. I have attached the letter to show you the timeline. Keep in mind the account shows closed as of XX/XX/XXXX but it was delinquent prior to that.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MN)

I have been a XXXX store card holder since XXXX. Recently they sent me an upgraded credit card ( American Express ), that I was supposed to call and opt out of by XXXX ( per customer service XX/XX/XXXX ). 

I was not able to cancel this upgrade when I talked to customer service. 

End result : I have a credit card I didnt apply for.
Consumer complaint received 2023-04-18
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. (GA)

This complaint is my follow-up prior to my previous complaint last XX/XX/XXXX. My previous complaint contains these disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$9900.00XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX