davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

My Equifax credit report falsely claims I owe money. Approx. last Thursday Equifax required that I dispute the claim using their online form. The form does not provide the means to submit any documents so I said in my statement that I paid the charge in dispute and that I can provide documents proving payment. ( Documents are bank statement and bank letter confirming the payment. The original creditor was XXXX XXXX, not XXXX who recently purchased XXXX XXXX. ) Today, Tuesday, ( ie. the @ 3rd business day after the dispute was filed ) I received notice that the result of investigation is available. Clearly neither Equifax nor the collection agency did reasonable investigation which should have included viewing my documents. By implementing a system where no document can be submitted Equifax assured a negative result. ( The Equifax incident number is XXXX ) No one has requested to view the documents. When I followed their online instructions to get results it didn't allow me to see the results. I used their chat service, which referred me to an automated phoneline. It took a long time to reach a human. She had such a thick accent that I couldn't understand her. After providing reasonable identification the rep still refused to tell me the results but confirmed to me that their system doesn't allow the consumer to submit documents.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (NC)

I have been trying to stop a company called Money lion from reporting a fraudulent account on all three of my credit bureau accounts. My former bank even got involved and flagged it as fraud, refunded the money taken and had to open a new account for me in order to stop this company from withdrawing funds for some sort of program they calm I signed up for. It's also reports as a bad debt and I have disputed with all three credit bureaus but it's still there. This has now caused me to be denied a loan for a house. A house my family needs for our XXXX son. This is also hurting my credit for my company. I do not owe this company money and need this removed before it costs my family anymore than it already has. I have all of the correspondences from XXXX XXXX as proof that this was a fraudulent account and fraudulent activity.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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 received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect myPRIVACY. I called XXXX, XXXX, and Equifax after I purchased a credit report fromXXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLEitems on my personal profile, I noticed that there were Names : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : $ XXXX : XXXX  XXXX my credit report which are UNKNOWN to me. This isdisappointing because I have been paying XXXX XXXX to get a report every month and Ihave been disputing fraud items on my credit report all this time. One of the staff told me tovisit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED ORREMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) thecredit bureaus are required to remove/block any item which was opened without myknowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of theidentity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of suchinformation by the consumer; and ( 4 ) a statement by the consumer that the information isnot information relating to any transaction by the consumer. 
A copy of my Driver 's License, Social Security Number and Proof of Address are all included in this complaint. I want you toknow that I am telling the truth and by XXXX, XXXX, and Equifax not blocking theseitems are inadvertently resulting in me being extorted.
Consumer complaint received 2022-07-14
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. (MO)

Upon reviewing an updated copy of my Credit Report, I immediately noticed that the Credit Bureaus hever took action and ignored my letters requesting the removal of the disputed items. I believed that this issue had been resolved because of the written letters I had sent to the credit bureaus. My last letter to the credit bureaus, which I sent in the hopes that they would act and take notice of my Disputes, was sent on XX/XX/2022. I am disappointed and frustrated to see that no changes were made to correct the erroneous reporting of the Disputed items on my Credit File. The Fair Credit Reporting Act section 605b requires the credit bureaus to remove items that the consumer believes were acquired as a result of identity theft, and by disregarding my appeals, the credit bureaus have violated this provision. I've informed the FTC about the identity theft, and I've been included the Identity Theft Report I obtained in my correspondence with the credit bureaus. I'm submitting this complaint to ask the Credit Bureaus to look into it again and properly confirm the accuracy of the information being reported on my credit file this time. The credit reporting companies have let me down in the past, and if they continue to refuse to remedy their blatant disregard for the FCRA regulation, I will be left with no alternative but to file a lawsuit. I need the following things removed right away. I need the following items deleted immediately : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX C XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX Balance Owed : {$980.00} XXXX  XXXX XXXX XXXX Balance Owed : {$51.00} XXXX XXXX XXXX  XXXX Balance Owed : {$70.00} XXXX XXXX Balance Owed : {$170.00}
Consumer complaint received 2015-06-13
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/XXXX our daughter turned in her leased XXXX to XXXX XXXX & leased another XXXX. She was over her mile yet the dealer never mentioned it to her. the next thing we know, we get a notice from XXXX that both my daughter & my wife ( who co-signed ) were put in for a charge off. We did n't even know we owed them money they never made any attempt prior to this to collect that debt. My wife took out a loan & paid the {$4500.00} to XXXX. We just found out thatthat charge off is still showing up on my wife 's credit report stating the {$4500.00} has not been paid. I sent a letter to the President of XXXX regarding this matter but never heard from him. A credit mgr told us this may be revenge as the charge off is off my daughters report but not ours. 

XXXX did this to me as well, a few years back the repossessed my XX/XX/XXXX XXXX XXXX. My business went down & I found myself in a very bad place & I understood this. I got a letter from them stating I owed them {$6000.00} for the amount owed after the auction. The same day I getthe letter I get a phone call from a collection agency stating I owe them the approx ab=mount of {$6000.00} but they will take approx {$4500.00} a payment. They advised me this account was in a charge off. A XXXX charge off by XXXX without making any effort to give me a chance to pay it off. I advised the collection agency I will pay the full amount once the charge off was removed. I was told they could n't do that, I advised them there was no upside to me paying the debt as 1 - I had no car ... 2 ) it was a bad report on my credit & 3 ) I would be out the {$6000.00}. I also advised them that the repo guys in pulling out of my driveway very fast because I was out walking my dog bottomed out & damaged the left front bumper which was n't repaired. This would have had an effect on the sale price. I did n't feel I should have to pay for that as well. I understood & was n't angry about the repo. However at XXXX on a snowing Saturday morning XXXX guys are running around my neighborhood Yelling repossession over & over again as I asked if I could just get my stuff out. I had to travel XXXX hrs round trip to get my stuff That is when I saw how bad the bumper was & that it was n't repaired. 

The bottom line is Honda Finance puts a charge off on your credit even though they did n't attempt to collect the debt XXXX. I complained to both XXXX & my Senators, crongress women & state representatives & have not even receive an acknowledgement form them.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-07-14
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: Synovus Bank (OK)

Signed up on the internet for a First Digital card with XXXX XXXX XXXX. Was told I have to pay a XXXX fee upfront. Processed this with my credit union in XX/XX/2022. I was told by customer service at First Digital that I have a XXXX credit limit and after the annual fee is taken out I have XXXX available. Talked to someone named XXXX at XXXX XXXX XXXX XX/XX/2022 and told him to close the account. Cut the card up. Talked to someone named XXXX at the same number yesterday. They wont tell me where they are located. Nothing is secure about this credit card.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (MA)

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : BRANDSOURCE/CBNA CITIBANK N A CITIBANK NA. , BEST XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes.

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports.

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

After opening a new account earlier this month, I deposited my very next paycheck via mobile upload. I was fully expecting to wait a few business days for access to my money. After 5 days, and letting my account go into withdrawal, I looked closer at my account, and was notified that on XX/XX/XXXX .... 12 days after depositing my check, my money will be available. If I had been notified beforehand, or upon completion of the upload of my check, that this would be the case, I would have decided differently. Like most people, I live from paycheck to paycheck. I am a nurse who drives to work, and must purchase gas and food for the next XXXX weeks, until my next paycheck. I can not afford this extreme surprise so early in our relationship. I went to the bank in person, and was told there was nothing they could do. No concern for how I'll live or eat or commute for the next XXXX weeks, no looking into any way of resolving this issue. No attempt to provide options. I felt like a XXXX in a new place where I hoped to save money, and grow it while making life a little bit easier. 
Quite the opposite was what i found. 
I have since had to borrow money to buy gas and food and utilities. Rent is not due for another XXXX weeks. I am so glad. This could have put me in the streets. Thank you for listening, and providing a way to be heard.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

I have an active Citibank issued credit card account with Best Buy that I have maintained in good standing for 5 years. I use the credit card on a regular basis. On XX/XX/2021, I visited Best Buy # XXXX in XXXX MD and planned to use my Best Buy CC account for a purchase. The employee who assisted me informed me I needed to verify and update some of the information on file for the account, including my income and address. I was told this was a regular SOP that best buy did on credit card accountholders. To verify my identify the best buy employee asked for my social security number- I re-stated that I already have a Best Buy credit card and wanted to make sure he was only updating my income and other particulars on the account, I did not need a new, second Best Buy credit card account. The employee confirmed my statement- and assured me the SSN was only required to update my account information. 

The following day, XX/XX/XXXX, I received word from my credit monitoring subscription that a hard inquiry had been added to my credit report due to a new credit account request from Best Buy-Citi. I contacted Citibank who advised me that a new credit card account was initiated by Best Buy on XX/XX/XXXX. I spoke with Citibank Disputes office asking that the hard inquiry be deleted from my credit report. On a subsequent call, Citibank referred me to Best Buy since it was Best Buy that initiated the transaction, and Citibank is only the CC issuer. I visited Best Buy in XXXX on XX/XX/XXXX and spoke with a manager, XXXX XXXX, who referred me back to Citibank to since Citi is the bank of record and card issuer. Then I recontacted Citibank who restated that resolution of the issue falls to Best Buy since their employee initiated the unauthorized event. 

I did not consent to having my credit report checked and for no reason would I have needed a second Best Buy credit card, when I already have an Best Buy credit card. The Best Buy employee on XX/XX/XXXX misled me and performed a credit inquiry without my consent. Efforts to gain resolution with Citibank and Best Buy since have been unsuccessful.
Consumer complaint received 2022-06-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AE)

During covid 19 I had some difficulties making payment because my wife lost her job so MR Cooper which is my mortgage company offered me a forbearance program which I was informed my payment will be modified after the period. So I was given a trail modification payment from XX/XX/XXXX - XX/XX/XXXX which I met those requirement for my mortgage payment to get lowered so as I can make the payments I missed during the forebearance program. 
So after XXXX I was waiting for when my new payment was going to start because I had to come to XXXX on rotation as an XXXX XXXX XXXX so my US number was working here to I informed XXXX XXXX who was the agent working on my Loan modification they wouldnt be able to reach me on my US number but they send me any information through my email so as to know when to start making payment. 
I didnt receive any email of when to start making payment so I reach out to MR Cooper to find out about this and I was told I was supposed to start making payments toward another modification trial to get my modification initiated but I missed those payments from XX/XX/XXXX so if can make 4 payments they will send it up to their manager to see if they can initiate it again. So I told them I wouldnt be able to make 4 payments but I can pay 3 so I was told they cant help me with that unless I make 4 payments. I still went ahead and made that payment but they still didnt help me out but want me to payment {$16000.00} that is dues on XX/XX/XXXX and now they have reported me to the credit bureau as Derogatory trade and that has dropped my credit drastically. 
I really need your help.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC. (CO)

We have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks