davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (IA)

Usbankreliacard is the issuing bank/company for my Iowa Unemployment insurance money XXXX They sent me a prepaid card originally so my benefits could be loaded. 

On XX/XX/XXXX and XX/XX/XXXX someone had logged into my XXXX account to get a ride and place an order. My card was saved onto my account so I had to dispute these charges and request a new card. 

On XX/XX/XXXX my card was " sent '' to me in the mail. I waited 10 business days and it never came. 

I called on the 13th business day and they seemed very concerned and said they would send me a new one. Again I have waited 10 business days and it has never came. 

They claim to have sent it XX/XX/XXXX. I do not believe they are sending me my card. There is no possible way they have sent me my card and it got lost in the mail twice. 

Now I am going to have to order a new one a 3rd time. They also have the option to expedite my card. The fact that they didn't offer this to me the first time my card was " lost '' is horrible customer service. I have {$930.00} on my account that I can't access. I almost was evicted from my home and had to borrow money from my fianc 's employer in order to pay rent last month. 

I have a XXXX XXXX XXXX child that they almost made homeless. I am livid about this situation.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account is invalid BEST BUY/CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
BEST BUY/CBNA XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOTIVE CREDIT CORPORATION (PA)

Automotive credit is reporting a late payment for XXXX on my XXXX XXXX due date was XX/XX/year>. With today being XXXX its not even 30 days since the due date so its not 30days late. 

XXXX payment show {$43.00} past due. So payment was made XXXX the account is on auto pay each month with them so they take the payment out on the XXXX each month
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I'm a vicitm of the equifax data breach the accounts listed below are not authorized by me, I have never done business with national credit systems Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender Empire Rental Living At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX System Date Assigned XXXX XXXX, 2024 XXXX XXXX, 2024 XXXX XXXX, 2024 Original Balance {$17000.00} {$17000.00} {$17000.00} Current Balance {$17000.00} {$17000.00} {$17000.00}
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is my second time writing for these companies to update my personal information on all my credit reports.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Consumer complaint received 2024-09-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION (KS)

We have requested a pay off amount and we never received. Trying to do a short sale but company will not get back to us or give an amount that is acceptable. They refuse to return calls or emails or communicate in any way.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (GA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear Bank of America, I was surprised to find late payments reported on my credit report for XXXX and XX/XX/year>. I believe I made my payments upon receiving my statements, and its possible there was an issue with the delivery of my monthly statement. 

I am requesting the immediate removal of these late payments from all credit reporting agencies. Given our positive relationship, I kindly ask that you remove this 30-day late entry from my credit report and refund any late fees that were assessed. Additionally, I believe I was billed incorrectly under the Fair Credit Billing Act ( FCBA ), specifically 15 USC 1666b, 1681i, and 1692g. Due to these violations and the inaccurate reporting, I am requesting the immediate deletion of this account.

I would prefer to resolve this matter promptly and avoid any unnecessary complications for both parties. I appreciate your attention to this issue and hope to continue the positive experience I have had with your bank.

Your prompt response and resolution will be appreciated. Failure to comply may lead to further legal action to protect my rights.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

This complaint to JPMCB for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (SC)

Please reference complaint XXXX. 
On XX/XX/year> I tried to withdraw funds. The bank declined the transfer and stated there was a security concern. I have since contacted the bank multiple times to verify identity, answered questions correctly, passwords, etc. Still denied. 
The bank told me that they would send an 'identity verification ' letter and they stated, in response to my previous CFPB complaint that they did so on XXXX XXXX. No letter received. 
They then told me that they sent one out on XXXX XXXX. Not received. They then said they sent one on XXXX XXXX. Not received. 
They will not verify my account and allow access to my funds and to close the account. 
I have since researched Marcus and found that there are dozens, if not hundreds of people having this same problem with Marcus and stating so through social media, XXXX, XXXX and other sources. I believe that Marcus is withholding people 's funds for financial benefit and lying when they say " the letter is on the way ''. This needs to be investigated. 
I will also contact the U.S. Attorney 's office in my district as well as the SEC, FDIC, and have filed a complaint with the Federal Reserve. 
Please do not close this complaint until there is verification that the issue has been resolved, as Marcus lied in their previous response to CFPB. 
Thanks.
Consumer complaint received 2024-09-06
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 (IL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-09-06
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: OPORTUN FINANCIAL CORPORATION (IL)

These inquires were made without my knowledge or consent, and as such, I request that it be promptly removed from my credit report. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX OPORTUN/PROGRESO FINANCI Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX  XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX XXXXXXXX someone made fraud transaction from my chase account. There were multiple transactions and on multiple locations like spanning from XXXX to XXXX  Apparently, XXXX knows how it shows that they made transaction through my debit card but that's impossible. I have the card in possession and i never share the details with anyone in the world. I made a claim in chase and they rejected saying since the transaction were made through debit card we can not do anything. I asked them to reconsider but they want me to prove that i was not involved. Infact they should be proving me that i did all of that. I traveled from XXXX XXXX XXXX  with in an hour and made grocery purchase.they dont have answer to that. I am completely unware of how this happened and now helplessly making this complaint
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Lennar Financial Services, LLC (FL)

I am writing to formally lodge a complaint regarding the mishandling and poor management of my mortgage process by Lennar Mortgage. Throughout this process, I have encountered numerous issues that have led to significant frustration and delays, which I feel compelled to address. 

Poor Communication : Communication has been consistently unclear and unprofessional. I was not adequately informed about crucial steps, deadlines, or the required documentation, which created confusion and setbacks. 

Disorganization : The mortgage process has been marked by extreme disorganization. There were repeated requests for the same documents, and it became apparent that there was no proper internal coordination in managing my case, resulting in avoidable delays and complications. 

Lack of Client Understanding : Despite providing detailed information regarding my financial situation, it is clear that your team did not fully understand or consider my unique circumstances, especially concerning my foreign financial status and income sources. This lack of understanding led to erroneous assessments and decisions that have seriously impacted my ability to move forward. 

False Expectations and Information Omission : Throughout the process, I was provided with unrealistic expectations that were never met. Critical details about the terms and conditions were also omitted, which has severely affected my decision-making and planning. 

Due to these ongoing issues, I request a thorough and transparent explanation of the actions taken in my case, as well as immediate corrective measures. Failure to address these concerns may result in further action, including legal recourse, to ensure that such mishandling does not affect other clients in the future.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I filed a dispute after all of my personal belongings were stolen XX/XX/XXXX there were transactions on my account that were not made by me and as a result XXXX dollars were stolen. I have spoken with chime over 30 times. They denied my dispute on XXXX I filed a rebuttal the same day chime promised to reinvestigate if I provided proof or more evidence I submitted proof of my phone being stolen a report to cyber security and a written statement on my first rebuttal they denied it after they promised I would like receive a provisional credit if my investigation was not complete by the 10th business day. I was denied on the 9th business day. 
I filed a second rebuttal but this time is sent chime a police report which was XXXX the XXXX that I provided the police report this time they failed to upload a copy to my case as they had added the other documentation I filed them they denied the rebuttal again on the 9th business day which was XX/XX/XXXX the company had automated responses I have asked for supervisors customer relation etc bc everytime I speak with a sup they give the same info as regular advisors I have been hung up on 3 times after being as nice as possible. This company fails to do an appropriate investigation I have cried and urged for help with no luck receiving it
Consumer complaint received 2024-08-11
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. (OH)

i contacted trans union and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

PORTFOLIO RECOVERY ASSOCIATES STOLE MY IDENTITY AND HAS FRAUDULENTLY APPLIED AN ACCOUNT ON CONSUMER REPORT DOES NOT BELONG TO CONSUMER. CONSUMER HAS PROVIDED DOCUMENTATION AND COMPANY REFUSES TO REMOVE FRAUDULENT ACCOUNT. COMPANY DOES NOT HAVE PROOF OF ORIGINAL PROMISSORY NOTE NOR PROOF OF WET INK SIGNATURE TO THIS " CREDIT CARD ACCOUNT ''. COMPANY PORTFOLIO RECOVERY ASSOCIATES HAS VIOLATED SEVERAL LAWS AND WILL RESULT INTO LITIGATION IF THIS FRAUDULENT ACCOUNT IS NOT REMOVED FROM CONSUMER REPORT. PORTFOLIO RECOVERY ASSOCIATES INC IS COMMITTING SECURITIES FRAUD AND WILL NOW BE FILLING OUT A 211 FORM DUE TO PORTFOLIO RECOVER ASSOCIATES VIOLATING THE LAW. PORTFOLIO RECOVERY ASSOCIATES IS LISTED ON THE SEC WEBSITE AS : XXXX XXXX XXXX File Number : XXXX, EIN NUMBER XXXX, ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PRINCIPAL EXECUTIVE OFFICER XXXX XXXX XXXX XXXX Principal Financial and Accounting Officer XXXX XXXX XXXX XXXX THIS COMPANY ILLEGALLY BUYS DEBT PENNIES ON THE DOLLAR WHICH IS AGAINST THE LAW AND TRIES TO MAKE CONSUMERS PAY FRAUDULENTLY. YOU HAVE 4 DAYS TO REMOVE THIS DEBT OFF OF CONSUMER REPORT. LEGAL DOCUMENTS HAVE BEEN SENT TO COMPANY AND THE SAME LEGAL DOCUMENTS WILL BE ON CFPB.
Consumer complaint received 2023-07-29
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports. 

In accordance to the FCRA of 1971 list of accounts below has violated my federal consumer rights. 
please remove due to crimes committed and inaccuracies on my credit report.

15 U.S.C. 1681 ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

( A ) Reporting information with actual knowledge of errors 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. 



XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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. (IL)

Hello, my name is XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. Thank you for your immediate attention to this urgent matter. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

PORTFOLIO RECOVERY ASSOCIATES STOLE MY IDENTITY AND HAS FRAUDULENTLY APPLIED AN ACCOUNT ON CONSUMER REPORT DOES NOT BELONG TO CONSUMER. CONSUMER HAS PROVIDED DOCUMENTATION AND COMPANY REFUSES TO REMOVE FRAUDULENT ACCOUNT. COMPANY DOES NOT HAVE PROOF OF ORIGINAL PROMISSORY NOTE NOR PROOF OF WET INK SIGNATURE TO THIS " CREDIT CARD ACCOUNT ''. COMPANY PORTFOLIO RECOVERY ASSOCIATES HAS VIOLATED SEVERAL LAWS AND WILL RESULT INTO LITIGATION IF THIS FRAUDULENT ACCOUNT IS NOT REMOVED FROM CONSUMER REPORT.