davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Complaint # XXXX has been closed. 

I would like to re-open this case. 

Re-cap : XX/XX/2018, I paid my XX/XX/2018 mortgage. 
And added some to apply to principal. 

Di-Tech mismanaged the payment and applied 100 % to the principal. 
And wanted a 2nd payment to cover the XX/XX/XXXX bill. 
PLUS a late fee that should have never been issued. 

Di-Tech never admitted to the making a mistake but sent the late fee to me in the form of a check. {$35.00}. 
They referred to as WAIVING THE FEE. 
It should have been referred to as a REVERSAL. 

FAST FORWARD TO TODAY : They stopped-payment on the check!!!! 
AND, My bank reversed the deposit! 
AND, My bank is charging me {$12.00} for the inconvenience. 

I'm requesting a cashier 's check for both amounts AND an apology for all of their mistakes.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX, collection agency telling me that I had an outstanding debt due to breach of contract with HSBC bank for approx approximately {$1800.00}. In XXXX I started down a path of receiving a loan from HSBC bank and got pretty far along until I realized they were trying to sign me up for a business loan. When I realized this I let them know I did not own a business so I shouldnt qualify. They quoted me a much higher interest rate for a personal loan and then nudged me to continue with the business loan since if I freed up some debt with the business loan I could potentially start a business making the loan legal. I told them I was not interested in that and discontinued pursuing the loan with them not was I interested in their offer for a personal loan. I never received any loan from them and our communications ceased at that point. They would periodically send advertisements to me for other loans mostly through the mail but other than that I never heard from them again. Then yesterday XX/XX/XXXX I heard from this credit collection agency. They stated there had been numerous attempts to contact me which as far as I know there were not. I felt it could be a scam so I immediately checked my credit reports. First of there was no indication of collection from either XXXX or HSBC nor was the loan I had started to peruse in XXXX on my credit report. Then I noticed on my experien credit report a hard inquiry for that very day XX/XX/XXXX from a consulting company called XXXX XXXX Partners. This was an unauthorized credit check. I immediately put fraud alerts on my credit reports and disputed the hard credit check. This complaint is against all parties mentioned HSBC bank for trying to give me a business loan well knowing I did not own a business then possibly selling my information to a collections agency without ever contacting me. XXXX collections for intimidating me and making me think there was a lawsuit pending in courts and pursuing collection of debt I believe to be false. And XXXXXXXX XXXX  partners for running an unauthorized hard credit inquiry.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XXXX my purse was stolen, I filed a police report immediately. I called Citibank and reported to put a stop on my credit card. The thief in XXXX department store ( in city of XXXX XXXX, California ) proceeded to use my Citibank debit/credit and made 5 different purchases. I went to XXXX and was told that they have video but the police would have to request it. Citibank gave me a credit for those 5 purchases but on XX/XX/2021 they debited my account more than six thousand dollars and said I was in possession of my credit card without no proof. I called them and asked them for a provisional credit until they investigate my case thoroughly but they are refusing it. They debited my account without any proof and saying I am the thief.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Re : Disputing paid collection error [ s ] on credit report Dear CFPB Contact, I am writing to request several items be removed that are appearing on my credit reports from [ XXXX, XXXX, TransUnion ]. Please see below disputes ( 1-5 ), as I have paid the debts off. Also reflected in the attached report ( highlighted green items for easy reference ). I have reached out to the creditors on several occasions to again request/remind them to remove items from the reports as they have confirmed receipt of payment. These items are impacting/hurting my overall credit score causing difficulty when applying for credit. 

Company Name and Account Number : 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  Your time is appreciated in advance. 


Enclosure/Attachment Copy of Credit Report Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-03
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 — Their investigation did not fix an error on your report
Company: AR Resources, Inc. (SC)

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.

In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2019-05-22
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. (FL)

Experian credit reporting agency has made it easy for a debt collector to continuously report incorrect information and does not give equal opportunity to dispute it. Case in point, XXXX keeps reporting a " missed payment '' even though the account was closed in XX/XX/2017 ( as the credit report indicates ) and my attorney and I have disputed the debt with XXXX. XXXX has sent letters with inconsistent amounts due. I disputed this and Experian allowed it to remain. When it came up the next month as another " missed payment '', Experian would not allow me to dispute it. Every time any negative item is added to the report, we should be allowed by law to dispute it. In addition, when debt collection is being challenged, it should not adversely impact credit. The past two months, I  have gotten hit with collections reported by an agency I do NOT have and never have had any dealings with. I have no legal obligation to pay that company anything. Why is this allowed to impact me?? It is reported to me as medical collections. However, my husband 's insurance covers any medical issues and that is not my debt and any medical issues were paid by my husband 's insurance. The credit agencies seem to favor the collectors while holding the consumers XXXX and allowing " double jeopardy '' for the same thing over and over. This should not be legal and Experian should not be allowed to adversely impact credit and not give the consumer the ability to dispute it. Also, XXXX XXXX in XXXX hit me with several hard inquiries even though they did not have permission from me to do so. Yet, Experian gives me no option to dispute this online. I feel as if the credit agencies are in cahoots with the creditors. An investigation should be made into whether the credit bureaus get " kick backs '' or incentives from collectors to continuously input inconsistent or even incorrect information and leave the consumer little recourse to fix it.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. 
I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

As of XX/XX/XXXX XXXX has placed a late payment on my account after being found guilty in court of being negligent. The settlement, announced XXXX XXXX, comes after allegations that XXXX used predatory and deceptive lending practices dating back to XXXX. The company was accused of pushing struggling borrowers further into debt by steering them into long-term forbearance programs that actually added more in interest to the overall loan balance ; and for claims that it lent predatory subprime loans to students attending for-profit and low-graduation-rate colleges where it knew these borrowers could likely not repay the loans. XXXX repeatedly and deliberately put profits ahead of its borrowersit engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back and placed an unfair burden on people trying to improve their lives through education.
Consumer complaint received 2022-01-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Removal Request Of Unauthorized Hard Inquiries Dear Credit Reporting Agency, The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 



XXXX XXXX Date of inquiry : XX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame. 



Best regards, XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/XXXX/XX/XX/XXXX I obtained a credit card with Capital One with a credit line of {$300.00} while off in college! Since then I have had Capital One report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE (NY)

I have written a letter and called multiple times ( mostly to be hung up on after waiting patiently for 20 minutes/or more ) to understand what a charge on my card is for, no one has be able to answer my questions and so tired of calling to be transferred and they say it's under investigation and no more information. I keep asking for clarification for a debit adjustment charge of {$66.00} on XX/XX/XXXX and no one can provide any answers and keep getting the run around. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX, I had a checkings account with Chase Bank until they decided to close my checkings accounts out of the blue. I called Chase Support and they said they no longer wished to have me as a Chase customer. I called again to see if I can withdraw the funds from my checkings account and they said they have to verify some payments that were withdrawn from cashapp in order to do so. They said my payments from cashapp are suspended because Chase it's withdrawn to a different name than my legal name, but on cashapp you can change your profile name to whatever name you want. I explained this to Chase Support and they keep redirecting me to different branches and I have to wait extremely long to get the same answer which is to verify my cashapp account payments. I visited the branch to talk more about this situation. The associate banker I talked to said that I can print out screenshots of my cashapp login page to show them. She said she would send them to the back office. I came to the branch again with the printed screenshots and she said she will send it to the back office. She called me back and said they weren't eligible. This time she says that I have XXXX dispute the payments in cashapp in order XXXX verify, so I called XXXX if I can do that but they said that the money was authorized and disputing is not possible. It has been extremely frustrating because I don't know what Chase Bank wants. I have access XXXX my cashapp accounts and I can login and show them that they are mine. Chase Bank also suspended my direct deposits from my job even though they said they suspended my cashapp payments.
Consumer complaint received 2022-10-21
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: CBC Companies, Inc. (GA)

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers ****XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.