davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (VA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-10-12
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: CITIBANK, N.A. (GA)

In XXXXXXXX XXXX XXXX XXXX, I became involved in an employment scam with a company out of XXXX XXXX called XXXX XXXX XXXX XXXX. As a result of this 'employment ', XXXX XXXX XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, XXXX XXXX XXXXXXXX and Citibank ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to a XXXX XXXXXXXX store, where it was shipped to XXXX XXXX. After about XXXX XXXX of this type of activity, I told XXXX XXXX XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XXXX XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, Citi, and XXXX XXXX XXXXXXXX took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into XXXX. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft! 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 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 has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

US Bank erroneously charged me for three months in a row. I have a VPN that is XXXX a month through XXXX. I received charges for {$60.00} twice and US Bank would not report the fraud. AdditionallyXXXX XXXX XXXX in XXXX XXXX, IL stole my credit card numbers and charged me three additional times in addition to the two times I went there to buy cigarettes.
Consumer complaint received 2024-10-11
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: LEXISNEXIS (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I had a few accounts with XXXX that was paid off nice XXXX XXXX and Experian as well as XXXX mark the accounts as late as of XXXX and XXXX of XXXX Ive deputed the amount as we as the paid dates and they still come back saying it remains I sent certified letters with proof that the accounts was paid off before XXXX of XXXX and they still keep showing the accounts as passed due I told them about the fair credit reporting act and they still didnt resolve the issue with credit report I told them if an account is showing wrong information and its been paid and it keeps coming back as not and I sent paperwork showing I paid them off and it still shows a balance and still reporting me late every month then I want them deleted at once because its and accurate information on my credit report thats being reported too them I have paperwork from XXXX that I paid the accounts in full and XXXX and Experian is still showing wrong information my dispute only take Experian a day too investigate which dont seem like they did anything with the paperwork I sent certified mail as well as on the telephone
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
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: General Motors Financial Company, Inc. (TX)

The derogatory rating on my account is a serious issue for me. I'm very concerned about how it's affecting my credit. It's already led to a loan application being denied and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until the matter is resolved.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MS)

Today at XXXX XXXX  XXXX someone opened an XXXX Checking account in my name. At XXXX XXXX  XXXX I received another email with this information where they logged in Device : XXXX XXXX - Chrome When : XX/XX/year> at XXXX XXXX XXXX then at XXXX XXXX  XXXX I received another email stating Your Online E-mail Address Change on the account. I did not setup the account or request the email address change. I called XXXX and spoke with there Fraud Department and was told that the account was indeed opened today no transaction had taken place the account was closed and they would report that the information be removed from my credit report.
Consumer complaint received 2024-10-10
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. (MA)

I paid a deposit ( to be returned ) to a merchant, when the time came the funds were not returned and so the transaction became fraudulent. The payment was on XX/XX/year> in the amount of {$500.00}. 

I filed a claim with my bank to have the funds returned to my account. Months and this hasn't taken place.
Consumer complaint received 2024-09-05
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relate according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher if that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681C. ( A ) ( 5 ) SECTIONS STATES : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

It popped up on credit report they have not once contacted me I don't know who they are and it shows I owe XXXX the only medical debt I owe I'm on a payment plan with my provider so I don't know who this third-party is
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

This card includes travel & baggage protection. During a trip for which I used this covered card to purchase the ticket, a bag was so damages that it could not be used any longer. I timely submitted the claim. AMEX has wrongfully denied the claim because AMEX used bad faith to fail to honor advertised benefits and to discriminate against minorities. I have tried XXXX times to call/communicate/re-open the claim but AMEX continues to use XXXX faith.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

My original loan was {$32000.00}. Navient bought my loan from XXXX and doubled the amount and then started reporting me late for payments and forcing my account into forbearance. This killed my credit because as he explained any payments I made would only pay off the interest. Not the principal balance. 

How can a company buy your loan and more than double the principle?
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

To whom it may concern on XXXX XXXX, I sent a certified letter to wellsfargo asking wellsfargo to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and wellsfargo to validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with wellsfargo. They sent me a application I filed out for a auto loan the application is not with wellsfargo nor has wellsfargo name on the application. I have no contract between myself and wellsfargo directly. I paid wellsfargo {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract wellsfargo name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.
Consumer complaint received 2024-10-09
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GREENSKY OPERATIONS, LLC (TN)

In XXXX, I used Greensky to finance a purchase of windows for my home from XXXX XXXX. The amount finance was {$23000.00}, at 4.99 % interest over 120 months for a total interest amount of XXXX. Total amount to be repaid is {$29000.00}, making the monthly amount due XXXX as stated on the disclosure. I have made all payments on time for XXXX monthly and this amount includes XXXX XXXX XXXX. The payments began XX/XX/XXXX. I have went to my online account and see that an amount of approximately {$80.00} to {$90.00} has been added to my balance each month. There is no reason for these charges and they should not have been added to my account. They should be reversed and any additional interest charges removed from the account. 
The monthly statements show an interest amount, but I thought this represented the interest amount included in the payment of XXXX. But in looking at the old balance, minus payment, the new balance can only mean that this amount has been added back to the total. Greensky also does not want to address unless mailed in writing. Greensky only wants to correct for mistakes identified within the last 60 days only. 
I have emailed the company at XXXX to have this addressed as above. 
Thank you.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Hi, I have with citi 5 cards I have been making payments for 10 years without a problem in XXXX and XXXX of XXXX  citi claimed that the account number was invalid, in fact, i did not change the payment method for the last few years so it can't be an invalid account number, i tried calling to them everyone tells me that it's not their departments and transfers me and when i do get through to higher departments they repeat that the account number was invalid, and when i ask proof that my bank rejected the payments request they tell me that cant send that information. 

this is affecting me with late and return checks fees and bad credit on my report and by citi
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (OH)

My home ended up in foreclosure I filed XXXX XXXX  three times and have three different case numbers to us bank 's one foreclosure number also a US bank rep appeared in bankruptcy court agree to work with me and give me a loan modification I took the home out pay the reinstatement fee and was waiting on updated documentation it was never received because my home was sold while I was still in it then I was later on evicted and left homeless at that time it was XXXX in escrow that was never applied to the loan is that in a suspense account prior.. I have requested all of the documentation two times and have not received anything other than the runaround from US Bank home mortgage I was on XXXX social security I have been cut off because I was told I sold my home I never sold my home. My home was took out my name illegally and US Banks representatives were involved.
Consumer complaint received 2024-09-05
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 2024-09-05
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX {$3600.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX Balance : {$4600.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX