davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-04
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: CITIBANK, N.A. (TX)

Per my recent credit re port CBNA pulle d a hard credit check on  XXXX / XXXX / 2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

Used XXXX to pay for something, using my XXXX credit card. Thereafter, I received a letter advising that I had been accepted for a XXXX credit account. I responded on line that I did not want the account. I received an invoice today showing I now owe over {$1100.00} for a {$990.00} purchase I made in XXXX. No such purchase was ever made. Tried calling listed XXXX account phone number and could not contact a human. Recording stated, " We are unable to verify your account. Please state your full Social Security number. '' Sounded scam like. Checked my credit reports and found Synchrony/XXXX account listed showing late fees and no payment. Totally not legitimate,
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (UT)

I have had this issue with Nationstar mortgage for a while now. They held funds in suspense not completing full payments during a time of XX/XX/XXXX-XX/XX/XXXX. 3 months later, Nationstar finally admitted fault for their inability to apply funds and corrected the payment history. I requested a verification of mortgage, bu the VOM was not corrected. Lacking a correction for the VOM, it stated that I was 30 days past due for multiple months. I have been trying to refinance for 9 months and this error on Nationstar Mortgage is inhibiting my ability to. When Nationstar went back into the payment log they held up 2 months worth of payments, which put me ahead in my payment schedule. It does not make sense that they still have not repaired my VOM on their clear mistake ... After countless attempts to correct this, Nationstar has drug their feet around on this issue.
Consumer complaint received 2017-07-04
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. (KY)

Equifax has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (TX)

I have been trying to find out what happened to my property ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Investment No. XXXX that I purchased on XX/XX/XXXX for {$1000.00} at 12 % fixed rate and matured on XX/XX/XXXX with a XXXX value of {$630000.00} and a PAR value of {>= $1,000,000}. Please see the attached correspondence that provides a timeline of the research I have performed.
Consumer complaint received 2017-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

In   XX/XX/XXXX  I contacted Chase and expressed some financial difficulty and attempted to resolve with partial payments, future payments to be electronically set up, etc. I was told that no options were available to me until I was in default. I continued to be in contact with Chase over the course of  XX/XX/XXXX  and  XX/XX/XXXX  attempting to resolve the situation and not have any derogatory remarks reported to my credit. I had a sum of funds coming to me in  XX/XX/XXXX  and knew I could pay the remainders of the payments all at one time. Chase would not work any resolution with me. By the time I was in default per their terms, the payments were paid in full in the sum of {$5900.00} in  XX/XX/XXXX .
Consumer complaint received 2024-10-15
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I Have established a relationship with Santander bank with a checking account around 2013. I had my belongings which included my wallet stolen from me. All of my personal documents and Cards, Social, and ID was in my wallet. I filed a police report in addition to a dispute with Santander. I recently submitted a request to reopen the investigation with additional proof that I was a victim of identity theft. ( Police report, Affidavits were submitted ) I received a response from Santander stating that they would not honor my request. I am unable to open a bank account or move forward with any banking relationships. I am being victimized and do not feel as if the Banks are taking into consideration my situation and my rights.

I would like for this matter to be addressed. This is my final attempt to resolve this matter before i bring forth any legal action. I
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WA)

I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX   to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX  multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved. 

Please help me. I have no one who can take care of this for me while I am gone.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-15
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. (NY)

i am writing to delete the following information from my le. the items I deleted are listed in the report i am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray commission identity theft, adavit, please delete this items as soon as possible
Consumer complaint received 2024-08-30
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. (AL)

These accounts were incorrect records in public information and needs to be deleted in my credit report. I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it.
Consumer complaint received 2024-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was shocked to discover this morning that there are incorrect accounts on my credit report, and I can't figure out how they got there. I check my credit report regularly, and this time, there were unexpected errors. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts stayed on the report. Im asking for the documents Ive submitted to be carefully reviewed so I can put this issue behind me once and for all.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc. (NY)

I was supposed to receive my direct deposit on my cash app car and then all of a sudden my cash app card is cut off. I tried calling cash app support and they stole {$150.00} from me and then started asking for XXXX pictures
Consumer complaint received 2020-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I was scammed by cash app out of {$4500.00} on XX/XX/20. I called them initially to report a missing refund that hadn't been credited to my account for {$18.00}. I was told I needed to verify my identity and my account by adding money to my cash app, making a payment to them, assuring me my money was not actually coming out of my account, that that was a part of the verification process. The money did in fact come out of my account. The initial amount the took was {$1700.00}. I was told in order to get that amount back I needed to make another payment of {$49.00}, which I did, in a desperate attempt to get back my money. They then instructed me to purchase XXXX  gift cards, total amount {$1000.00}, so that they could use the XXXX cards to secure my money, {$1700.00}, and they would refund me all the money, for a total of {$2700.00}. I did what they asked, only to be told I needed to purchase XXXX  gift cards for the same reason, in the amount of {$1300.00}, plus {$500.00} more dollars, total of {$1800.00}, because I requested they refund my money back on the cash app itself, and that in doing so, I caused all the money to be stuck in their server. I was promised a total of {$5000.00}, which included a {$500.00} inconvenience fee for me for their so called mistake. I never received a XXXX of my money back. Not only did I not receive the original {$18.00} I called about, but they scammed me out of {$4500.00}. I have filed a complaint with the Federal Trade Commission and filed a police report. Is there any way I can get my money back and these people be prosecuted for fraud/scam. I also have first and last names of so called managers that I spoke with and also multiple telephone numbers.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TN)

Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.