davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

Sorry for the lateness of this! Accidentally, I filed a complaint on XXXX XXXX, XXXX with the wrong agency ( Federal Trade Commission, ref # XXXX ). Below was what I sent to them : On XXXX XXXX, XXXX, I purchased from Best Buy.com an XXXX  XXXX XXXX XXXX  and the extra protection insurance plan, XXXXXXXX XXXX XXXX for XXXX. The cost of this insurance plan is $ XXXXmth, and it is automatically deducted from my account each month. On XX/XX/XXXX I had to change my Best Buy credit card # as a family member was racking up charges on it! I did NOTHING to the account other than change the #. And now here is where Best Buy erred : I guess when I changed my account # 's on XX/XX/XXXX, on my XXXX statement the {$12.00} was not deducted as it was supposed to be. However, the purchase does still show in the " Activities and Promotion '' portion of my statement, but again was not being deducted. Not my fault whatsoever. When I changed # 's back in XXXX I was never informed that I would have to notify whomever to have that {$12.00} deducted again each month under my new credit card #. I've had to change credit card account # 's in the past and never had to do anything additional. Whatever was being deducted under my previous acct. # would automatically transfer over. The actual XXXX payment was transferred over, but not the XXXX+ payment ( there is like a {$.00} or {$.00} payment taken out monthly??? ). Well low and behold I had to take the phone in for repair on XXXX XXXX, and the horrible nightmare began! The XXXX XXXX was about to make the repair, however they said it wasn't covered under the insurance plan. They advised that I go to the XXXX XXXX and maybe they could figure out what happened with the XXXX coverage. The Best Buy rep didn't understand how this happened either! So that's what I did. After several hours ( start to finish - not exaggerating ) the XXXX XXXX rep confirmed what the Best Buy tech told me. So as a result of this error on Best Buy 's part, I had to pay {$180.00} for a replacement XXXX. 
I've reached out to Best Buy via email and phone calls several times regarding this matter. My last attempt was XX/XX/XXXX and once again I got nowhere and ended up more frustrated than before!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I have disputed incorrect info twice to XXXX. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my daughters info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only XXXX. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My daughter said these accts also show on her credit report as an individual acct
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/, I started receiving emails from what I thought was my real estate agent setting up a time to meet with XXXX XXXX XXXX XXXX XXXX XXXX to sign the closing documents on a house I was trying to purchase. I then received email, from who I thought was XXXX XXXX XXXX but was actually from a fraudulent person, with instructions on where to send the XXXX. On XX/XX/, I wired {$120000.00} around XXXX XXXX XXXX XXXX XXXX ) to the JP Morgan Chase account provided in the wire transfer document. After meeting with XXXX to sign the closing paperwork XXXX XXXX employee stated that the wire information was not XXXX wire information. I rushed to XXXX XXXX to report the fraudulent wire transfer and to find out what can be done to get the {$120000.00} back. XXXX XXXX initiated the wire transfer recall. In addition, to the initial recall request sent by XXXX XXXX, XXXX XXXX has reached out to JP Morgan Chase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As of today, XXXX XXXX XXXX JP Morgan Chase has not responded to any of XXXX XXXX requests. Through XXXX XXXX XXXX XXXX Department, JP Morgan Chase has requested a Hold to Harmless/Indemnity form to JP Morgan Chase , however, XXXX XXXX is stating they can not send the " Hold to Harmless/Indemnity '' form because JP Morgan Chase has not communicated with XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Employer - XXXX  Listed below are the Inquiries that are being challenged XXXX XXXXF XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Fair Financial Corp. (CA)

Hello, I am having a problem with Fair Financial. I have leased a car and unfortunately I had an accident on XX/XX/2019. the car has been totaled. After bouncing back and forth with XXXX XXXX, Adjusters and fair representatives I do not have an answer as of today. I am still paying the lease and insurance for a car that has been totaled. In addition, I am not able to lease another car because the car can not be returned until the insurance claim is closed, which it will take months and I will still paying for the lease and other expenses related. I do not think that is legal and also I do not see anything on my leasing agreement that talks about what happens in case of an accident. I have screenshots of chat conversations with fair financial with many different and incorrect info. I was told that the car after an accident will be considered returned once it gets to the collision center ; I was told that the car is considered returned once is declared totaled ; ETC
Consumer complaint received 2022-11-01
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. (MI)

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 XXXX XXXX XXXX. XXXX XXXX XXXX. State of mi office chi XXXX has violated my rights. 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 2020-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C. (CO)

A few weeks ago ( XX/XX/XXXX ) I received a letter in the mail from XXXX  XXXX regarding an accident in XX/XX/XXXX. The letter did not have the correct mailing address for me. I contacted XXXX  XXXX on XX/XX/XXXX and they gave me information stating that the item has been passed on to Wilbur and Associates for payment. While talking to the agent with XXXX  XXXX, I updated my contact information so they had the best way to reach me at on file. The letter from XXXX  XXXX stated that the amount owed was {$630.00} but when I contacted the Wilbur and Associates, the amount due was over {$1200.00}. When speaking with the agent, I let them know that the information given to them regarding my address and phone number were not correct and needed to update the information which was done today. After calling back later today to set up a plan, the agent with Wilbur and Associates would not provide me with the documentation about the debt but needed to have a payment of {$600.00} today. I was not contacted regarding this issue and my mailing address on file is correct. When dealing with the agent, I was harassed and denied information needed in order to pay the debt. Also, the agent told me that she would suspend my license and revoke my car since I could not pay the full balance today. These treats should not be used when a customer is trying to fix the issue.
Consumer complaint received 2023-12-29
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 crime
s 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

Students Loans {$10000.00} Dept of ED/Navient - {$3900.00} XX/XX/XXXX Dept of ED/Navient {$3100.00} XX/XX/XXXX Deptof ED/Navient {$1300.00}
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX XXXX/XXXX XXXX XX/XX/XXXX SANTANDER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America denied me for an application for a business credit card. I have a XXXX credit score and we have been in business since 2018. 

They claim we do not have enough information reporting about our business, and I am the personal garauntor of the application, how can they not find any information about me but XXXX just approved me for a business credit card for over $ XXXX? 

Bank Of America should be offering its services fairly to all, but I can't get approved for a simple credit card? 

The reason they denied my application is not a valid reason not to give someone ANY credit whatsoever.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After reviewing my credit report I noticed inaccurate information which is negatively affecting my credit and my ability to obtain loans. 

I am writing to formally request a procedural investigation into the accuracy of the reporting on my credit file for the following accounts : XXXX XXXX XXXX ( account ending in XXXX ) XXXX XXXX ( account ending in XXXX ) Please validate and verify that all reported information for these accounts is accurate and in compliance with federal reporting standards. If inaccuracies are identified, I request prompt correction and an update to my credit report to reflect accurate information. I am making this request pursuant to 15 USC 1681i. 

Thank you for your attention to this matter. Please confirm receipt of this request and provide an estimated timeframe for completion.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax has consistently refused to allow me online access to my Credit File forcing me to call in and have to wait to speak with an Agent. I have complained to the XXXX  about this matter with no resolution. Today Equifax took me all through the process of Identity Verification as well as changing my password. After completion of these tasks, they then instructed me that they could not help me and to call into Customer Service. Given that my information was completely verified, there is no reason Equifax should not allow me online access to dispute items, etc. I have no other problem with the other 2 Credit Bureaus accessing my credit file online. This type of inconvenience Equifax is causing me is unaccpetable.
Consumer complaint received 2023-12-29
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. (MD)

To whom it may concern : My information was and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this date breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have tried many, many times to get in touch with Mohela to ask questions about how they have my XXXX loans documented on their website. 

I can never get through to them. Their hold times are impossibly long, and they do not reply to messages, despite saying any message will be replied to in XXXX business days. 

If Mohela can't handle the volume of phone calls or messages, they should not be in this business! 

I need information about my loans. I pay on time, and I need to know everything is being accounted for correctly. It is impossible getting in touch with Mohela!
Consumer complaint received 2024-10-31
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. (CA)

My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (TN)

I have requested 3x my consumer report while also asking them to freeze my consumer report and the last attempt I sent a notarized letter including a photo copy of my drivers license, SSN card and proof of mailing address but every time I get a letter sent back asking me to send more information identifying myself
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (GA)

They stopped sending me my statements for no reason. The loan was behind then paid up for 3 months. I send in an additional month so that my mortgage would not be due until XX/XX/XXXX, XXXX After I complained three months for them not sending me my statement. They finally sent me a statement saying that my mortgage went from XXXX to XXXX. I have a fixed rate and my insurance has stayed the same. My taxes have decreased. I am so XXXX tired o this mortgage company playing games with my mortgage and increasing fees/ They have not given me an answer for my mortgage payment that I paid in XXXX for XXXX. You really need to look into this mortgage company They have ties to XXXX XXXX and that should e illegal. XXXX XXXX send me a refund check stating that they made a mistake with my mortgage when it was sold and they owed me money. These people at specialized loan servicing are crooks and are stealing money along with houses! Something needs to be done! I am so XXXX tired of this!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account : XXXXTo whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$11000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.