davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-12
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: CITIBANK, N.A. (NJ)

We purchased appliances and charged the balance of  XXXX .  XXXX  to newly opene d Sears  credit card, we paid the balance in full on  XXXX / XXXX / 2017 . However, the new balance of  XXXX .  XXXX  balance appeared with the reference of   XXXX   XXXX   XXXX   XXXX   XXXX  , which eventually changed to Laundry, Alterations, Gift Wrap, Other. When I asked for explanation or proof of any purchases, I was bounced from department to department ; nobody could provide any information but refused to reverse this unsubstantial charge. On- line service provided me with different explanations, as well.   On  XXXX  after asking for the proof multiple times, the  Sears  respond was : We received your recent inquiry regarding your account.   Thank you for contacting Cardmember Services regarding the charge posted to your account on  XXXX / XXXX / 2017 .   This transaction in the amount of {$100.00} appears to be a purchase for Laundry, Alterations, G ift Wrap, Other. ''
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC (FL)

Complaint against XXXX XXXX for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with XXXX XXXX have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from XXXX XXXX in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to XXXX XXXX. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to XXXX XXXX and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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. (NC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

In preparation for student loan repayments restarting I loggined into my Mohela account in XXXX. I have been on a REPAYE plan because I need Income Driven Payments to qualify for PSLF. At that time my monthly payment was listed as {$75.00}, but there was a note stating REPAYE plans were being auotmatically moved to SAVE. On XX/XX/23 I received a letter stating my monthly payment was going to be {$820.00} due on XX/XX/23. Contrary to what i had been told they had not placed my loans on a SAVE plan but on a LEVEL plan, the highest possible monthly payment. At that time I recertified my income and asked for forbearance while that was being process. On XX/XX/23 I logged in and my payment was now listed as {$67.00}. This appeared to be a more appropriate payment amount per my income and I paid that amount. However, a few days later I logged in and my payment amount was {$810.00} with no due date listed. At that time I tried to contact MOHELA customer service and was on hold for 2 hours and unable to speak to a customer service representative. I submitted a complaint in writing as well. On XX/XX/23 I recevied a letter backdated to XX/XX/23 stating that I was being placed on Administrative Forbeance from XX/XX/23 to XX/XX/23 while my IDR application was being processed. However, when I logged on on Tuesday XX/XX/23 my account now says that I am past due {$750.00} which was due on XX/XX/23. This is the first time I am seeing this amount and as of last week no due date was listed. According to my received documents my IDR application has been successfully processed and I have what appears to be my new monthly payment. But according to the home page I am still past due. I tried again to speak to a customer service agent and when I called my account is showing delinquent per the automated message, but I was still unable to speak to a person after an hour on hold. I submitted another written complaint through Mohela. I am still not certain if I am acutally in forbearance, if my payment has been fixed, or if this supposed past due amount ( listed after the due date ) will count against me becuase I can not speak to an actual person.
Consumer complaint received 2023-10-11
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. (TX)

I am writing to express my deep frustration and concern regarding the continued presence of inaccurate items on my credit report, despite multiple attempts to have them corrected and removed. These inaccuracies are causing significant harm to my creditworthiness and financial well-being, and it is essential that they be resolved without further delay. 

I have previously submitted multiple dispute letters to your bureau regarding these inaccuracies, with no resolution to date. Copies of my previous dispute letters are enclosed for your reference. 

I kindly request that you conduct a thorough reevaluation of these discrepancies and take immediate action to correct my credit report by removing the inaccurate items. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reports must be accurate and up-to-date, and these inaccuracies are clear violations of this regulation. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Supporting evidence that demonstrates the inaccuracies, such as bank statements, correspondence with creditors, or any relevant documentation. 
I expect to receive a written response from your bureau within 30 days of your receipt of this letter, as required by the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracies, and a revised copy of my credit report that reflects these necessary corrections. 

Furthermore, it is your responsibility to inform the creditors associated with these inaccuracies about the dispute and provide them with the requisite documentation, as required by federal law. 

The continued presence of these inaccuracies is seriously impacting my financial well-being and ability to access credit. I implore you to prioritize this matter and resolve it promptly to restore the accuracy of my credit history. Please assist me to remove these fraudulent items in my credit report : XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX charge off XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (WI)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update or delete these items. 

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (IL)

The lease from Mercedes Benz is showing as an active account. This lease ended back in 2018 and this account status should be updated to closed. I have had no luck in having the account updated by Mercedes and I need this to be correct as it is having an adverse effect on me and my family.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 

Thanks, XXXX XXXX
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MD)

I open an account with Chase Bank on XX/XX/XXXX online. Ive been proceeded to transfer money out of my XXXX XXXX bank account because I am currently doing a credit consolidation program and I needed to change bank so that XXXX XXXX wouldnt pull money out of my savings account. Everything was fine until my account was locked and I had to appear in a branch and give them two forms of ID to verify that it was me who opened the account which I did with no problem I even made two cash deposits as well as two ACH transfers one through XXXX and one through XXXX XXXX itself. On XX/XX/XXXX. My online banking was locked and I had to call to verify my identity which I did in. My account was unlocked that Saturday my account was locked again, and I had to go to the branch and provide my identification which I did, and I was on the phone with The fraud department for almost an hour at the Chase banking account in XXXX Maryland when I got home later that night to try to check my online banking. I was once again locked out of my account so I called Chase XXXX XXXX customer service number to get a reason why they told me my account would be closed and I would be issued a letter with the reason stating, why within 10 days. I recently received that letter, and they said that it was a fraud suspicion. Since then I have been told by two separate Chase employees that the fraud investigation has concluded in that a check with all of my funds would be issued to me. Since then, I have been given the runaround by multiple Chase employees about how this investigation is going to go as well as updates on this investigation. Once again, I called them, and I was told 10 days ago, by representative that the investigation had concluded, and that they had placed the check in the mail. Today is now XX/XX/XXXX and I called Chase to get an update on Where that check is and I was told by the rep Im sorry I miss spoke because Im in training and it is still an active investigation going on no other information was given to me and because of this, I am now left in a financial bind. I just want to know all of my options to get my finances back so I can get my life in order. This has completely uprooted my life and has placed me further behind with my bills, including my Card note, rent car insurance, medical payments, as well as other life expenses. Upon doing research I found out that I can take this to a small claims court to get this process done faster but before I jump the bridge on that decision, I want to file a complaint to see if we can get this process done faster, and I can move on with my life.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXXXXXX XXXX  XXXX BALANCED {$1700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-23
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. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2023-09-19
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: SUN WEST MORTGAGE COMPANY, INC. (FL)

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 2023-09-19
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-23
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. (MA)

I have some inquiries on my credit report that Im not aware about them. 
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 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (AZ)

I am trying to qualify for a loan and I need a copy of the most recent statement for my Synchrony Bank Amazon Prime Credit Card Account. The statement cutoff time was XX/XX/XXXX, and today is XX/XX/XXXX but this statement is not on their website. I called in and spoke to " XXXX '' who is in XXXX around XXXX Arizona XXXX on Saturday XX/XX/XXXX who said she would " put in the request '' to send me a copy of the most recent statement but they would not be able to mail out until XX/XX/XXXX. I need the statement right now. I have never received a paper statement from Synchrony Bank XXXX XXXX regarding their credit card account. I asked to speak to a supervisor, XXXX said ok one moment and she would transfer me. She put me on hold, and as I expected they would do, they hung up on me. I feel like Synchrony Bank ( which literally has a XXXX out of XXXX stars rating online ) is being obsure and opaque with sharing my own account information. They are reporting this information on my credit report but refusing to provide me ( or any customers ) with documentation regarding their credit card account. I believe this is in violation of Federal laws including the Truth in Lending Act, the CARD act of 2009 and the Fair Credit Reporting Act. I want Synchrony Bank Amazon Prime to send me my most recently immediately and not hang up on me or refuse to help me. They should not be allowed to have credit card business in the United States if they are not willing to comply with the laws that protect consumers. Thank you.