davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
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: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, I got the capital one XXXX credit card in XX/XX/year>. I was told I would be getting a XXXX dollar welcome bonus if I spent over XXXX dollars. I spent that in the first month. It is XXXX and I am still yet to receive it. I called and they claimed I didn't get the reward on my terms & conditions letter. This was extremely deceptive, I would not have applied for the credit card and had the ding my credit score as a result if I had known this. This wasn't a new promo too, you can check credit card articles dated much earlier to know that this card was offering this promo for a long time.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] 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 of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report 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 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (WI)

On XX/XX/year> I received an email from Apple offering me a new credit card. It stated Get a new Apple Card. Spend {$75.00}. Get {$75.00}. Its simple. Well I applied for the card through the email. I received approval immediately and the card came in the mail. I never had an Apple Card so I thought this would be easy. On XX/XX/year> I contacted customer service because I had spent over {$75.00}, but it was unclear how their cash back was rewarded. I was directed to Goldman Sachs which opened an investigation on my behalf. On XX/XX/year> I contacted Goldman Sachs again via customer service since I had not heard back. They now required that I provide proof of the promotion email which I provided to them on line while we talking. On XX/XX/year> I finally received their answer which said I did not qualify for the promotion. No explanation was provided about why I did not qualify. I feel that I was scammed, given the run around, and then denied the reward. Others need to be warned about this promotion that Apple is sending people. I made several calls and spent a lot of time talking to customer service about this problem. This was far from simple. I do not use my Apple Card today.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I made a typographical error paying Synchrony Bank for TJMX credit card, amount due {$360.00} was sent as {$360.00} XXXX bill, paid on time. Charged {$15.00} XXXX bill and XXXX XXXX bill for XXXX XXXX  error. Contacted Synchrony Bank and said they will not make any adjustments even though I always pay my bills in full, on time for many years on TJMX credit card. I will no longer use this card and TJMX will lose a good paying customer due to unfair business practices of Synchrony Bank
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NC)

Since XX/XX/year>, I have been utilizing your credit card services after arriving in the United States in XX/XX/year>. However, due to an unfortunate misunderstanding, my account was closed abruptly, stemming from a mistake on my part when signing the XXXX XXXX for XXXX XXXX XXXX XXXX form. I wholeheartedly acknowledge this error and sincerely regret any inconvenience it may have caused. 
The cessation of my credit card services has significantly impacted my financial transactions, hindering my ability to manage day-to-day expenses effectively. Despite repeated attempts to reapply for a new credit card, I have encountered obstacles as your system has not permitted me to proceed. 
As a postdoctoral researcher affiliated with the University XXXX XXXX XXXX, I am able to provide documented proof of my tax treaty status, which exempts me from certain tax obligations. I have enclosed all relevant tax treaty papers from my university for your reference and verification. 
I am reaching out to respectfully request your consideration in reinstating my credit card account, thereby granting me the opportunity to continue utilizing your esteemed banking services. I assure you that I have maintained a commendable credit history with your bank, and there are no outstanding balances associated with my previous account. 
Should you require any further clarification or documentation, please do not hesitate to contact me at the provided phone number or address. I am readily available to address any queries or concerns you may have regarding my request. 
I sincerely hope for your understanding and cooperation in this matter. Your favorable response granting permission to open a new credit card account would be greatly appreciated and would alleviate the financial challenges I am currently facing.
Consumer complaint received 2024-08-01
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: CL Holdings LLC (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

PHH MORTGAGE SERVICES IS ATTEMPTING FOR THE SECOND TIME TO ERRONEOUS FORECLOSE ON US BASED ON SOMEBODY ELSES HOUSE. THEY HAVE SET A SALE DATE ON XX/XX/2024. IF THEY HAD BOTHERED TO VERIFY WHAT THEY ARE DOING, THEY WOULD SEE THAT THE NAME, BANK, NOTE, AMOUNT, ETC, ARE ALL DIFFERENT FROM THE SAME INFORMATION ABOUT OUR HOUSE. IT APPEARS THAT, BECAUSE MY MOTHERS MAIL IS BEING FORWARDED TO OUR ADDRESS, A MIX UP HAS OCCURRED AND OUR ADDRESS HAS BEEN CONFUSED WITH HER ADDRESS, WHICH IS DIFFERENT. MY MOTHERS HOUSE IS IN FORECLOSURE, AND THIS HAS BEEN CONFUSED WITH OUR HOUISE, RESULTING IN THE SAME SALE DATES BEING GENERATED FOR BOTH HOUSES. I HAVE HIRED A COMPANY TO HELP ME WITH RESTRUCTERING OF THE MORTGAGE. THEY HAVE STARTED THE PROCESS, WHICH IS CURRENTLY ACTIVE. NO FORECLOSURE ACTIONS SHOULD BE OCCURING DURING THIS PROCESS. THIS IS A VERY SERIOUS ERROR THAT MUST BE ADDRESSED IMMEDIATELY. IN ADDITION TO HAVING THE SAME EXACT THING HAPPENING LAST MONTH, I RECEIVED A DOCUMENT JUST BEFORE THE CURRENT EVENT STARTED SHOWING HOW THE INFORMATION HAS BEEN MIXED UP. THE DOCUMENT IS ATTACHED ALLONG WITH A TIMELY SENT AND RECEIVED NOTICE OF ERROR.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

To whom it may concern. 
I am writing to update/correct my personal information on file with your company. 

Please update my address ( ( ( XXXX XXXX XXXX XXXX ga XXXX ) ) ) Please update my name ( ( XXXX XXXX XXXX ) ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (PA)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-06-28
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. (NY)

I'm writing to formally dispute any mistakes that my credit report might have contained. I've discovered a few major errors in the account details after thoroughly reviewing the data. These mistakes are concerning since they can have a detrimental impact on my financial condition and opportunities. 

These discrepancies need to be corrected right away for my credit profile to continue being realistic and accurate. I require a thorough investigation into the disputed items and their immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

I've supplied supporting documentation that outlines the differences for your review and consideration. Since this issue is vital to maintaining my financial security, I truly appreciate your quick attention to it.
Consumer complaint received 2024-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

My student loan servicer Mohela moved my student loans to a new platform. In doing so, the website is much less informational and easy to use than the previous website. I was sent a message on XX/XX/XXXX stating my student loans were to start even though they were supposed to be put on administrative forbearance ( communication on XX/XX/XXXX ). In addition on XX/XX/XXXX I received communication my account was still on forbearance to review my plan. On XX/XX/XXXX I received communication from Mohela stating my forbearance would end and autopay would resume in XXXX of XXXX. I was encouraged the platform to confirm my autopay in preparation. Instead, on XX/XX/XXXX and XXXX was charged two separate payments of {$580.00} to my bank account despite being in forbiddance. I never agreed to this. I received communications on XX/XX/XXXX from Mohela stating my Autopay information was confirmed but no indication I would be charged. I also received a statement the same day incorrectly which was also showing a due date of XXXX, not a charge in XXXX ( even though I was on forbearance ). I spoke with Mohela on XX/XX/XXXX to speak with them regarding the mistaken payments. I was not offered a refund and simply a case was placed to review with no other communication or confirmation. In addition, when speaking with a representative I enquired about a separate communication I received on XX/XX/XXXX stating my payment schedule changed. It stated I was paying {$580.00} when a standard repayment plan was {$430.00}. This directly violates an IDR as I am being charged more than a standard income repayment. To date no further has been taken by the company to resolve this issue and I am of the belief it is intentional to commit fraud.
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: Experian Information Solutions Inc. (NV)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. 
Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I am a victim of identify theft, and XXXXexperian are the cause of the identify theft. XXXX and experian has granted access to my credit report. Soft inquiries tie them to the idenity theft, I did not give them my permissible purpose to report the idenity theft related collections on my account. Please help CFPB, I just turned XXXX and experiencing idenity theft has severely changed my life negatively. I dont wish this on my worst XXXX, I hope you guys dont ever have to experience this.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX  was never late! I have had exceptional payment history with 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 XX/XX/year> 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 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 2024-06-28
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>