davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted Equifax, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. XXXX  reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment if this claim is to be true. XXXX  and Equifax have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  &  Equifax were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

During XXXX we lost income Was on XXXX Programm Then apply for modification Morgage company denied modification and our appeals Even we receive XXXX XXXX from state Programm and tell them we like to start paying our Morgage, still not respond
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date opened : XX/XX/16 Balance : {$13000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$2000.00}, XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/16 Balance : {$0.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$0.00}.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX Please refer to the above previous complaint. I have not gotten any resolution from the Bank. And they have not been returning my phone calls. 
I did everything that they asked and used {$15.00} of my own money to get an affidavit notarized. and still my {$2000.00} has not been returned. They have not returned my money since I requested it in XX/XX/2022. 

Is there a way to take them to small claims court? 
Thanks, XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I was shopping with a local merchant who was selling hair. I paid in person for my order to be shipped to me. I was discussing and deciding if and how much money I would spend when the vendor asked to see my phone and paid herself. I still had not decided and she knew what she was doing. She blocked me on all social media and refused to send the money back. I sent the money through XXXX XXXX from my chime checking account. I reached out to both chime and XXXX. Ultimately its chime that started to investigate and they denied me. There were some I transactions for Arline tickets. I disputed the transactions and my dispute was denied the same day it opened. More airline charges were made and I made a dispute and the funds were returned due to fraud. The airline transaction was from the same merchant of the dispute that got denied. Another thing, when I placed the dispute for the airline I was told my card would be closed and replaced but days later someone was still able to used my card to make purchases. I contacted chime about it and they closed my account with no real explanation.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, TransUnion, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. XXXX  reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment if this claim is to be true. TransUnion and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if TransUnion & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Consumer complaint received 2020-07-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (DC)

I requested information regarding forbearance from NewRez, but did not opt to participate in the forbearance program and have paid all mortgage payments in full and when due. I was surprised to receive a letter from NewRex approving my husband and I for the program in XXXX. I later learned that NewRez placed a comment regarding relief due to natural disaster on my credit report ( and likely on my husband 's as well ) even though we have continued to pay our mortgage on time and in full every month. 

Given that we did not actually request to participate in the program and have not availed ourselves of the benefit offered, we think it is inappropriate to have any indication regarding natural disaster relief on our credit reports. While not a " derogatory mark '' it could be confusing for future lenders and adversely impact our ability to obtain credit. 

I requested this information to be removed on XX/XX/20 over the phone and via email. 

I inquired with NewRez about refinancing on XX/XX/20 and was told that they could not generate a loan because of a forbearance on the account. I emailed and called to clarify that this is inaccurate.
Consumer complaint received 2022-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-07-03
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I filed my complaint with XXXX  XXXX on line. 

I have not received any information from XXXX  since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.
Consumer complaint received 2020-07-03
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. (FL)

On XX/XX/XXXX I ordered multiple items from a store for the total amount of {$780.00}, I never received the product that I ordered, never signed for any product being delivered to me. 
I then contacted the store and they instructed me to file a police report and to send it to them for a full refund. I complied and did not hear from the store so I decided to file a dispute with CitiBank for the amount of {$780.00} for products not received. To my surprise the customer service agent put my dispute as an unauthorized charge which is false. I contacted CitiBank multiple times to let them know that the dispute was for products not received, but they completely ignored me and today I have been re billed for the whole {$780.00} for product that I do not own! their reason is that I authorized the charge, which of course I did but like I told them MANY times, the dispute if for products not received! I even sent them proof on XX/XX/XXXX of conversations and chat logs with the store.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and talked to them about this matter. They agreed to REPAIR and UPDATE my accounts to positive. So please update and correct my accounts right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO. (CA)

On XX/XX/2020 I accessed the phone payment service at Ford Credit. I got the purchase amount and paid that amount over the phone. 10 days later it still had not posted. Concerned we called and were told the purchase has to go through the dealer and the payment would be rejected. 10 days later the money was not returned to our bank account.. another call with very long hold times. Told to call my bank. I already had. Asked to talk to a supervisor. On hold 30 minutes. Told she " found the transaction '' but no idea what happened to the $ . Putting in an urgent request and said a check would be issued in 5 days. This was the first person to mention they would send a check and only because I specifically asked! Others acted like the money would come back into my account electronically. 10 days later no check. They have now had my {$20000.00} for 30 days. I believe they should pay interest!
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BCI FINANCIAL GROUP, INC. (FL)

Ref : XXXX Sirs, Your email to me today states that the bank has responded saying they need an additional sixty days! My account was first frozen at the end of XXXX. The funds were removed on or around XX/XX/XXXX. I was notified by letter ( sent to the WRONG ADDRESS ) on XX/XX/XXXX a full six weeks after the hold was placed on almost {$6000.00}! 

I believe there handling of this has been bullying threatening usurping funds and now to add insult to injury they : require : an additional sixty days, when those funds include my {$2100.00} monthly Social Security AND my {$1200.00} stimulus payment which, I believe by law they were supposed to return to Treasury and not hold! 

Their vindictiveness has truly harmed me operationally and also financially! With the time already given to them to review matters, I believe their actions are injurious to me as will indeed by the cause of suit action once the funds are released to me! 

Can you PLEASE bring the complete weight of CFPB on them to complete their review and release the funds! By my calculation a " normal '' 90 day period would be completed by now and to ask for additional time is bogus especially since they denied me access in XXXX! 

With the authority CFPB has I ask that this case be closed immediately and all funds be returned to me XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION (TX)

I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (GA)

My credit card was placed into delinquency after XXXX  years for a {$53.00} missed payment. My wife and I just went through a high risk XXXX with complications and a very rough labor and delivery process. Helping my wife recover and taking care of my newborn daughter my {$25.00} regular payment to Wells Fargo slipped through the cracks. 

I didn't recieve a " Lets catch this together '' " It's time to act '' email communication until XX/XX/year> after the report had been made to the credit bureau. My credit score has been as high as XXXX and is above XXXX on average, I understand the importance of on time payments and honoring financial commitments. This card is only kept open to keep my credit age high. I don't believe that a credit score drop of XXXX points gives a fair representation of me as a consumer. Especially for such a low amount. 

I've contacted Wells Fargo and they have stated there is nothing that can be done. The payment has been made and they have gone as far as to remove late fees due to me being a loyal long standing customer. 

I ask that this late payment delinquency be removed as I believe it is a misrepresentation of my credit history. I also feel that Wells Fargo could have communicated that my account was at risk for delinquency and this could have been resolved without such harsh consequences. 

Any assistance would be appreciated.
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: HYUNDAI CAPITAL AMERICA (OH)

Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now Hyundai at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take Hyundai 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.
Consumer complaint received 2022-12-19
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. (NV)

I have many request MANY TIMES to furnish proof that I gave them written consent for them to report the BANKRUPTCY on my credit report. 

BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX dismissed XXXX BANKRUPTCY XXXX XXXX XXXX MY OTHER CREDIT REPORT FRON XXXX THERE IS NO BANKRUPTCY ON MY CREDIT FILE. THESE NEEDS TO corrected
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. (NC)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you