davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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: JPMORGAN CHASE & CO. (CA)

My Chase bank freedom unlimited credit card is been hacked and being use by someone to purchase giftcard at store from XXXX XXXX XXXX XXXX  Someone hacked my credit card and use at store like apple store, XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XXXX store purchase XXXX and XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Also, someone have access to my chase account and making fake payment under external account thats not under my name. Chase bank first accept it and then return the payment. The credit debit add up to XXXX. I did not make these purchase at these stores, and I already filed the fraud claim report to chase bank. However, chase bank does not support me, and closing my bank account and freeze my money inside for 10 business days.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CREDIT MGMT Account Number : XXXX
Consumer complaint received 2019-10-25
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: Global Lending Services LLC (WA)

On XX/XX/XXXX I had to re-dispute wrong information with XXXX, that was placed on my credit report regarding a car loan I had, through a company by the name of Global Lending Serviceseven sending them a letter from Global Lending, showing proof that it was paid off. Global Lending reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted XXXX, XXXX, XXXX, and the lender Global on XX/XX/XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from Global Lending, to on-time payments. While XXXX concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my XXXX  credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my XXXX   report from Global Lending on XX/XX/XXXX. Although on all three credit reports, it now shows that my old car loan with Global Lending is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why XXXX or Global Lending is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by XXXX and told they couldnt do anything because Global Lending reported the late payments as being accurate, yet Global Lending insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems XXXX isnt following proper protocol, adding false information to my credit report.
Consumer complaint received 2023-11-30
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

I spoke to Best Buy Credit Cards department on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask if they could please restore my credit limit to what Ive had for over 2 years as I had not had a history of any late payments during the life of that account up until XX/XX/XXXX which was a Sunday on a holiday weekend and I had honestly forgotten that I had a payment due. They immediate penalized me by severely reducing my credit limit the very next day and slammed me with interest and late fees. Theyve refused to reconsider to restore my credit limit despite my clean payment history with them and my plead for them to reconsider. I understand Citibank is the issuing bank for their credit cards, I especially find it appalling that Citibank has such a predatory and punitive policy towards their customers despite Citibank having been bailed out with taxpayer dollars during the XXXX recession.
Consumer complaint received 2021-01-18
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. (TX)

I have disputed over and over the public record information has on my credit file. I did not know I could view PACER myself and now I have. The information TransUnion and XXXX are reporting on my credit file for USBK Court Southern Texas Docket # XXXX and USBK Court Southern Texas Docket # XXXX is not mine and needs to be removed under the FCRA 623 ( a ). In PACER these bankruptcy cases show an address in XXXX that is not mine, and is not on my credit file because I do not and have not lived at the address listed on the bankruptcies mentioned above. In PACER the information for the above bankruptcies does not show a date of birth so how are these accounts being tied to my date of birth and there are only the last four digits of an SSN so how is this information be tied to me? The information in PACER for bankruptcy case # XXXX, XXXX do not have a full SSN, the address shows is not mine and there is no date of birth to confirm. How is is being determined this information is mine? How is this information being validated and proven accurate as belonging to me and on my credit file? Whomever is responding to these complaints is not doing their research, not reading my attachments and is giving me a waste basket response. THESE PUBLIC RECORD ACCOUNTS ARE NOT MINE.
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA (CO)

Received an email regarding Adverse Action from Lending USA regarding a debt consolidation loan application that I did not submit. When contacting Lending USA to report potential ID theft or fraud, non-English speaking representatives would do nothing but refer me to the FTC. They also admitted that they did not have a Security Compliance Officer as required by law. They promised a call back by a " supervisor '' in 10-20 minutes which did not occur. They also refused to remove my personal information from their database for " 480 days. ''
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute multiple fraudulent accounts on my report. I am a victim of identity theft, and I did not make or authorize these charges. I am requesting that these accounts be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Consumer complaint received 2021-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NC)

To whom it may concern, My mortgage company Nationstar/Mr Cooper failed to honor loan mod contract, illegal servicing and disclosure etc ... All the above. I have reported to NC  and tried to rectify with company but still on going. This has been on going for over a year now est., since beginning of federal pandemic. They forced me into forbearance with foreclosure and credit reporting then sent me an adjusted different loan ( XXXX ) from my original FHA loan mod with penalties/fees, again threatening to foreclose if I didn't agree. they would not let me make my payments on original loan mod and would not service when contacted. Nationstar has had multiple lawsuits for this and other illegal practices as Im sure you know. I will be filing one as well. I am based in NC and they are out of Texas I believe. Can you please recommend attorney or direction concerning this matter? Also please proceed with any action thru the DOJ. I am happy to cooperate in any way. Contact info below. 

Thank you for your time and consideration regarding this matter-sj XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
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. (MN)

My Equifax report is wrong. 
It contains an account XXXX XXXX XXXX which shows an ~ {$18000.00} balance that is not mine. 
It shows it is current with monthly payments being made. 
I don't have this account, I don't receive statements, I am not making payments on it. 
This would either be bad data, or a mixed ( credit ) file. 
I have reached out to contest this four times. It gets removed and XXXX puts it back on. 
Attached are the dates and case numbers of the contests I have called XXXX numerous times. 
I have been informed via the customer service, security team, XXXX team, charge verification teams that i DO NOT have an account either in credit card or loan departments with XXXX. 
They have verified to me that there is NO ACCOUNT with them tied to my SSN. Yet they keep putting this back onto my Equifax report. 
I have exhausted my options in communicating with XXXX and want this removed from my file.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (TX)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have notcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowedby law and continued reporting as unverified information which now, given all my attemptsto address it directly with the creditor, as willful negligence and non-compliance withfederal statutes. Below are the lists of the erroneous accounts reporting on my CreditReport : XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX XXXX XXXX XXXX XXXXXXXX, XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2600.00}
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (TN)

a credit card and a few other accounts were opened by my x wife with out my consent. i have received multiple letters and phone calls from XXXX XXXX  XXXX regarding a account that i did not open or have knowledge of. after explaining this several times i stopped answering there phone calls as i got no were with them and there only concern was to collect a debt i did not owe them. now a collection company named cks financial has began to harass me non stop from multiple numbers and even restricted numbers. there extremely rude and threatening and demand money which i do not owe. a letter to stop harassment was sent to XXXX XXXX  XXXX along with a identity theft report FTC report number XXXX even with this both company 's still violate the law and keep harassment daily up too 12 times a day
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IN)

I purchased my vehicle in 2012 with a 5 year loan from Santander Consumer USA Inc., I lost my job and the truck was repossessed and I paid close to {$2900.00}. dollars to catch the loan up meaning all missed payments and fees. Now it's been over 7 years that I've been paying on a 5 year loan, they keep telling me its becuase I'm making up for 8 missed payments. When I look at the statements showing all of my payments and missed payments most of the dates are wrong!! I was told when I paid the {$2900.00}. to catch up my loan that all payments were caught up! If you look at my account there showing I still owe over {$5500.00} dollars still after paying on it for over 7 years now. When i ask for a pay off amount they tell me I owe {$6600.00} to payoff the loan. If I continue to do so this loan is going to be and turn into a 10 year loan! I'm sure I have paid more than my fair share of interest and principal on this loan! I don't know who to turn to for help?! I feel like this is unfair and predatory practices on there part! There ripping people off for thousands of dollars for auto loans. Especially after paying them to catch the loan up after repossession, I had asked them repeatedly if it was enough money to catch up all my missed payments and fees and they told me at the time it was. So A 5 year loan has now or is turning into a 10 year loan for a vehicle that I have paid for twice the amount of what it's worth!
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (GA)

This platform allowed me to spent my whole wallet balance on purchasing XXXX, in a few clicks, very simple. 

After I bought it, I attempted to withdraw it, that's when it got complicated ( of course ). An ID verification window prompted. It said that for safety reasons I had to verify my identity. Good, I'm ok with that. Then, a second screen comes with a set of options for ID, all with XXXX thing in common : any type of government ID must be an XXXX ID. I'm not in possession of any XXXX ID, so I tried with the ones I have, passport and driver 's license from a different country. It didn't work. 

I reached out to their support and they keep telling me that I have to use an XXXX ID, and I keep explaining that I don't have one. 

XXXX of them suggested me to just sell the XXXX there, so I'd get my USD in the wallet, which I can use freely without ID verification, as I've been doing for the last XXXX or 3 years. However, it means that I'd have to pay them again their fee and commission, which I did earlier when buying, and now forced to do it when selling. This is the most unfair solution they could provide me with. 

I was not warned about these strict policies before buying the XXXX. Why would they be so strict about moving the XXXX but so friendly when purchasing it? To take advantage of clients? 
There were no policies nor Terms for me to accept when I first entered the XXXX interface of this platform. Nothing prompted out when I was buying telling me about ID verification process, much less that they will only consider valid an ID issue by the US government.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (FL)

I went to XXXX XXXX XXXX XXXX store and tried to obtain a credit card from them, but they said my application was denied after a hard pull. I just got the mail from XXXX 's stating that my application was denied due to " Total credit obligations when compared to the total annual income you provided ''. I make {$52000.00} per year with money coming in from XX/XX/XXXX and full-time employment, how is this possible?
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (IL)

I sent a certified letter to XXXX, Equifax, and XXXX there are inaccuracies on my credit report from XXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.
Consumer complaint received 2023-05-26
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. (FL)

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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 a account without my written instructions
Consumer complaint received 2020-12-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I checked my credit and saw an account from Portfolio Recovery for XXXX XXXX for {$630.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (OH)

My late payments are reporting inaccurate in XX/XX/XXXX and XXXX they are reporting on time but XXXX of XXXX and XXXX they are reporting 120 days late in XXXX and XXXX they are also reporting inaccurate how is this possible when its only 30 days in a month also Experian is reporting 11 late payments but XXXX  and XXXX  are only reporting 2 I have reached out to the credit bureau several times about this issue and always get the same results a update without any changes
Consumer complaint received 2020-08-25
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. (VA)

I have several fraudulent accounts on my credit report. XXXX  and Experian won't investigate my complaint because they think a credit repair company is helping me. I AM THE ONLY ONE DISPUTING FRAUDULENT CHARGES ON MY CREDIT REPORT. NO CREDIT REPAIR COMPANY
Consumer complaint received 2022-11-30
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. (UT)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
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: LEXISNEXIS (TX)

I received my consumer report from LexisNexis. When I got the report I noticed several harmful mistakes that were being reported on my consumer report. One of those mistakes being is a driving violation in particular a " NO VALID OL M1 '' Case # XXXX. This error in they're ( LexisNexis ) reporting is a serious mistake and a violation of the Fair Credit Reporting Act. Seeing how I've always had my driver 's license this CAN'T POSSIBILY BE ME. I understand mistakes happen and there's a chance that my information could have gotten mixed up with someone's else information ; but this mistake need 's to be corrected and deleted from my consumer report ASAP. If not I'll file a lawsuit against LexisNexis to enforce my rights under the Fair Credit Reporting Act section FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). For defamation.
Consumer complaint received 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP (WA)

Last couple weeks I opened an account with Laurel Road and set up a direct deposit amount of {$2500.00} into it. Days later I tried to send my money back to my external bank account but unable to access to my own money. I ended up added my external account as a payee and sent the amount to it. The transaction went through and I have got the confirmation code, but it been days and my external account still not received the money yet. I emailed the bank and asked about my situation but theres no response for days.