davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

I had my account freezing or over XXXX years and XXXX let companys run my credit report with a soft pull. On past and current times. They are report collection on my report that I shown different times on my XXXX XXXX ( home depot XXXX ), and ( XXXX XXXX XXXX ) this account should be on my account. Showing late payments to account that I was not playing.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX  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 XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX  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 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 2023-10-03
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/year> I used my chase credit card to pay my rent with XXXX.I usually use my bank account but was a little short that month so desided to use my credit card. So yesterday XX/XX/year> I changed back to my bank account throu XXXX to pay my XXXX rent. I also put a freeze on my chase credit card so there was no issues. Unfortunately there was still an issue. XXXX payed the rent payment anyway. I called customer support just now and the woman told me that it was a reoccurring payment. Which isnt correct because its not reoccurring on my XXXXXXXX XXXX nor on my ( frozen ) chase card. 
My biggest issue is that now I will have interest charges and have to pay an extra {$50.00} because I used the credit card. Chase tells me to call XXXX and XXXX tells me to call chase. 
This is very concerning because I feel like these companies do what they want.
Consumer complaint received 2024-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Crypto.com account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

I have my credit card but it was scam by a man who date with me so I reported the things cause he tried two times to pay the whole bills without my advice so I make the report I think the bank will do a follow up on but not so I just continue to pay just to avoid my credit card close but since I pay I never try use it but this morning I see the credit card like closed
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

XXXX XXXX XXXX XXXX  is withholding my transcripts due to unpaid balances. They are stating I was paid out for loan and then they had to repay the loan back on my behalf and now I owe them that money. I wasnt even enrolled in XXXX  for the year they are staying and that was confirmed by a representative of the FAFSA/Student XXXX. This XXXX  was under investigation for Fraud and Criminal Acts being reported during the duration of my study! It has been over ten years I have XXXX at the XXXX  and they have withheld my rightly earned credits!
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (IL)

Goldman SACS Apple Card charged me for a item that was not delivered to my address They credited me then charge me then credit me and charge me This has been going on since XX/XX/year> XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OK)

I called Experian XXXX on XX/XX/year> They answered then hung up immediately I called back XXXX on XX/XX/year> & waited a hour to speak to someone. 
I asked to have my personal information updated and for them to delete all the inaccurate information on my account
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

As of XXXX XXXX, 2024, Equifax is incorrectly showing that my XXXX XXXX XXXX credit card account is showing as an active account in which I am XXXX months past due. This information is incorrect. I called XXXX XXXX XXXX in XXXX XXXX and notified them to immediately close the account because I was a victim of a burglary and fraud and they immediately closed the account. As a result, XXXX XXXX XXXX should not be reporting my account as a current active account. XXXX needs to immediately remove this account because it is not an active account and was a result of fraud. They are malicously reporting this to tarnish my credit without pursuing the necessary investigation against the perpetrators who committed this fraud. I have attached a copy of the judges court order showing that I am a victim of a burlgarly in which the criminal XXXX XXXX used my ID and credit cards to make fraudulent transactions.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (HI)

On XXXX XXXX I went to XXXX to bash a refund XXXX check from XXXX XXXX for a {$1000.00} it turns out the cashier gives me a slip saying they can't cash it. And that I need to contact certegu payment solution..never heard of them so I did I was required to irder what was on my file report. .it arrived in the mail and it reads that I was on the fraud list?? And so as I'm reviewing my file report they have me down fir. Cashing fraud checksXXXX  well it turns out I dont have a bank institution that I deal with I have a avid prepaid debit card that I use only to get my dmsisial security benefits each monthXXXX  so the infonation that certegy has is an error the checking account number that they have. Is fir my avid prepaid card to take out money from the atm I need to use checking and not sa vings to get money out. Of the atm... so yes iv been humiliated and would like to sue!!
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (CT)

TD bank closed my account on XX/XX/year> without notice. On XX/XX/year>, I received a letter from them stating I could go to any branch to close my account. Now, TD bank refuses to do so and they are holding funds in the account that belong to me. They also allowing debit transactions to go through the account even though is closed.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CA)

I have called mortgage company multiple times to let them know that they pulled the funds out of my partner 's account for the mortgage payment yet they are stating that they never received the funds. The account owner of the account the funds came out of went to their bank and had the bank call their back office team to confirm that the funds did in fact get withdrawn by the mortgage company. 

Chain of events : XX/XX/year> : Payment in the amount of {$2300.00} tried to process through the account and was returned for non-sufficient funds on XXXX XXXX XX/XX/year> : Funds were returned due to non sufficient funds XX/XX/year> : Charge in the amount of {$2300.00} was re-processed by Mr. Cooper through the account and successfuly paid
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX XX/XX/XXXX Asset Amount : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NV)

I am writing in reference to the charge-off account listed on my credit report, identified by the account number XXXX. Upon reviewing my credit report, I noticed that this debt is being reported as a charge-off, despite the fact that it has been discharged. As I understand it, once a debt is discharged and a tax write-off has been taken, it is considered taxable income, and the reporting of this account as a charge-off on my credit report is not only misleading but potentially illegal. 

After consulting with the IRS, I was informed that it is unlawful for you to continue reporting this debt as a charge-off or attempting to collect on it after it has been discharged and reported as taxable income. Such actions could be considered tax fraud, and I will report this matter to the IRS. I have been advised to file IRS Form 3949-A to report illegal tax violations by your company. 

I demand that you immediately remove this account from my credit report and provide me with a copy of the Form 1099-C that should have been issued to reflect the discharge of this debt. This is necessary for me to audit the information and ensure that you are in compliance with tax laws.

Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), you are required to ensure that the information you furnish is accurate and up to date and fair. By reporting this account as a charge-off without considering the discharge, you are in violation of this provision since reporting income on a report is inaccurate and unfair Any violation of the FCRA entitles the consumer to actual damages and monetary compensation.

This account must be removed from my credit report immediately. If you fail to comply, I will have no choice but to pursue legal action to seek compensation for each and every inaccuracy.

Please consider this letter as a formal request to resolve this matter promptly. I expect confirmation of the removal of this account from my credit report and a copy of the Form 1099-C within 30 days. Failure to comply will result in further action.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (CA)

On XX/XX/XXXX I made two transfer from my credit karma money account into my XXXX XXXXXXXX XXXX  account. 

I made one instant transfer of {$730.00} And one standard transfer of {$1000.00} The instant transfer asked for my debit card information while the standard transfer was sent to my bank account directly. 

I NEVER received the instant transfer of {$730.00} dollars into my XXXX XXXX account. 

The {$1000.00} standard tranfer got to my account 2 days later. 

I have been disputing and appealing this since XX/XX/XXXX. 

Multiple people I have spoken to have admitted to me that this case is concerning and that they dont know where my money went. 

In an edition to that, I believe this was a glitch on the websites part considering the daily transfer limit is {$1000.00} so how was I able to transfer XXXX? 

Ive spoken to my bank and they have no record of that transaction. When I ask credit karma to tell me what bank or what account the money went into they tell me they do not have any information on the receiving institution but then how can they say that my financial institution confirmed receiving the money? 

At this point I have spoken to 10 different people who keep telling me a supervisor will call me or email me but it never happens. 


It is extremely unfair that I am having to deal with their mistake. 

I have not been able to pay my rent because of this.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My main issue and concern is that I am not getting any type of assistance or cooperation from Rushmore Servicing. Yes I am in arears. However, to be treated as if I am at fault and not given any consideration or any assistance to resolve the arears by simply providing the requested information. Is totally wrong, unethical and basically a serious moral and unreasonable character defect or personal issue. 
I am being denied the ability to log into my account, and I was simply told that it was because I am in default, behind on my payments. Is that coming from management? I must question, it simply doesn't sound reasonable or even financially sound. I am simply trying to figure out how to pay the arears, which wasn't out of my abilities the last time I checked and to get an idea what I needed to do with out having to borrow from family or friends. As I was working on home renovation for an ex girl friend, that once completed would've been able to get it caught up. Well I am complaining about they lack of cooperation and the wrongful denial to get the information requested. I also ask for a pay off total in case I have no other way which seems that that's what I am being forced to do. And yes I received the email saying its ready and all called but still not able to login or received it.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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, has violated my rights .

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.