davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received a copy of my credit report and found the following items to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XX/XX/2023 I paid off my mortgage XXXX # XXXX and never recieved my escrow deposit until XX/XX/2023 due to the fact that they mailed it to my old address where the property was sold. The check they send expired and was 90 days old. I tried to deposit the check but it was returned. On or about XX/XX/2023 I requested a new check and was told that a new check would be reissued to my current address On XX/XX/XXXX I was told no check was issued but they would process a new check which would take 30-90 days to process. XXXX in HSBC servicing department claimed that a new check was never sent but would request a new check which would take 30-90 days to issue. HSBC had 12 security questions and since I got one question wrong refused to service my request until my wife called and got all 12 security questions correct which were different than my questions. Getting HSBC to respond is difficult enough but they have not returned my funds to me and its been now 6 months since I paid off their loan.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (CA)

I was given a Netspend Debit VISA as a gift. On the card it says to activate call or go online so I went online instead. Filled out the form then its asking for my SSN. I stopped then I received an email stating that they put a hold on the fund unless I email them a photo copy of my SSN, DL and a current utility bill. I sent an email that I do not want to open an account and simply just want to use the gift card. Their respond was to call their XXXX number. When I called, its asking for the last 4 of the SSN. I dont have any so Im hoping if I waited I would be transfer to live customer service, instead it hanged up the call. I sent an email again and they keep referring me to call the number when I specifically mentioned that I did and I cant get no one to speak with.
Consumer complaint received 2020-01-22
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. (UT)

My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (CA)

XXXX Mosaic allowed solar company to pull a draw to purchase equipment on XX/XX/XXXX. XXXX XXXX, has not had equipment multiple times for complete installation. Only have a few times the solar panels, no back up batteries ( XXXX ), sub panel ready. Workers showed up with only a few of the panels. I would not let them install because the work was so delayed and back up batteries were on back order as of XX/XX/XXXX. 
XXXX contacted Mosaic and XXXX XXXX multiple times with resolution. 
>> Contacted XX/XX/XXXX stating ready to install however, i have over XXXX interest for equipment at this point never installed. 
>> I reached out to XXXX XXXX by email with no response or follow up regarding concerns and resolution. Failure to install, missing permits, XXXX approval not verified. 
>> loan no XXXX >> installer showed up without all the equipment ; only had solar panels, not able to put online, no back up batteries for sub panel. Email XX/XX/XXXX completely misrepresented on XX/XX/XXXX >> permit was not filed until XXXX >> per loan documents. Freedom shouldnt have pulled over XXXX on XX/XX/XXXX for equip when it was not within 90 days away from installation and was not utilized to purchase equipment until recently. The permits have not been issued by the XXXX XXXX XXXX XXXX ; nor an approval from XXXX. Freedom is not supposed to pulling money from my line credit until 90 days prior to installation this is now 5 months and counting. If I have to file a complaint with Truth N Lending Act ( TILA ) and Consumer Credit Report act I will. As a VA and FHA government mortgage underwriter I am very familiar with lending laws as it is my responsibility as an underwriter to adhere to these laws whether it be consumer law or mortgage law. I worked for the largest solar lender XXXX and definitely know this is not okay to pull from customer line of credit 5 months prior to installation and make the customer responsible for interest and payments without product delivery. 
Laws and Regulations Truth in Lending Act Part 1026 Truth in Lending ( Regulation Z ) ( ecfr.gov ) provides access to the XXXX XXXX XXXX XXXX ( CFPB ) Regulation Z Truth in Lending... 
Credit Cards... 
Small Dollar Lending... 
Fair Debt Collection Practices Act...
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2018-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I had three debits from my account with XXXX that were fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Chase Fraud Department and they reversed all of them, On XX/XX/XXXX they reverted back the XXXX saying that a chip and pin number were used. I called them many times and they said that I need to call my attorney general ( they lauged when they said this ) or hire a private investigation team and file police report. I have been a Chase loyal banker for over 10 years. The other two items of XXXX and XXXX were not reverted. How is that I had three transactions that I did that day and only that high amount one XXXX is the one as they put it " they don't have sufficient evidence that we did not charge this amount ''. My husband and I would not and have not shopped at this vendor. I believe someone made a duplicate card and or they said this is what the vendor is saying. How could they take the vendors word and not mine? I would like your help on how terrible and they had made feel as a criminal and I would like my money back in return.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

I am writing to express my disappointment with the inaccurate credit reporting done by Discover Financial Services. This reporting has severely damaged my financial situation. On XXXX, I noticed XXXX new accounts on my credit report that I did not open. I immediately sent notices to Discover Financial Services, requesting them to validate the debts and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Discover Financial Services has not taken any action to remove the debts from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Discover Bank immediately remove the disputed debts from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Discover Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2020-01-22
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. (SC)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I need to resubmit this complaint to XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number XXXX.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: M&T BANK CORPORATION (MD)

I have been a member with M & T Bank for over 12 years and held various accounts with them over the period of time that I was a customer. Earlier this year, I put in a dispute for charges on my card that were subsequently denied for some reason. The dispute was valid, but I was advised that when M & T makes a decision on a dispute, there is no secondary review. After denying my dispute, all transactions were reversed sending my account into a negative balance ( something I had not experienced in quite a while because I changed my account type so that it can not overdraft ). I then received a letter from the bank giving me a very short period to pay the money ( that I should not have owed in the first place ) back into the account or else my account would be terminated. As a customer that has used MTB as my primary bank and moved well over {$100000.00} through the institution, this was a painful experience and caused many issues in my life because most of my bills were linked to my M & T personal account. Outside of losing my account, M & T left me with a balance that I feel was not properly investigated at all. I have been a victim of fraud in the past and this has been documented with M & T but they still closed my account.
Consumer complaint received 2020-06-22
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)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX {$0.00}
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The company CREDIT ACCEPTANCE CORPORP CREDIT DISPUTE DEPT XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of Credit acceptance corp are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.
Consumer complaint received 2020-01-22
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. (MO)

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

I am writing to express my disappointment with the inaccurate credit reporting done by Discover Bank Financial Services. This reporting has severely damaged my financial situation. On XXXX, I noticed a new account on my credit report that I did not open. I immediately sent noticices to Discover Bank Financial Services, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Discover Bank has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Discover Bank immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Discover Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.