davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (TX)

I sent certified mail on XXXX XXXX With a requst to remove a account XXXX XXXX XXXX Account number : XXXX Balance : {$11000.00} Date opened : XX/XX/year>, it was a removel letter and a FTC report they did not include on my file a copy of my driver license and ssn card.I disputed the same account with XXXX and XXXX they fix the problem. I believe Exerian are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Consumer complaint received 2024-06-17
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. (FL)

XXXX XXXX I was notified by XXXX XXXX that i owed on an account that was opened without my knowledge. I am a victim of identity theft and my information have been exposed in Experian data breaches. I am not sure who would do this so here is the ftc report attached to this complaint. The company XXXX XXXX have been sending me threatning letters saying they have send the account into collections which i have demanded them to delete and there have been no resolution. This is causing my Credit to tank and has caused alot of stress and I need this fixed as sooossible.There is also inquiries that have been added to my credit that was not made on my behalf. here is a list of the inquiries : 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 2023-09-18
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: RoundPoint Mortgage Servicing LLC (CA)

Roundpoint is holding over XXXX of my money and refuses to apply it to the multiple mortgages I have with them. It has been XXXX months since my checks were cashed and Roundpoint refuses to give me XXXX for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a XXXX XXXX XXXX pursuing XXXX XXXX, I have sustained XXXX XXXX because I have been denied XXXX due to the misreporting by Roundpoint. Roundpoints misreport has caused my credit score to crash more then XXXX points. Roundpoint is charging me interest on principal I have paid, denying me of XXXX XXXX in my XXXX XXXX. Roundpoint has violated both civil and criminal statutes in the State of California.
Consumer complaint received 2024-05-24
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: WELLS FARGO & COMPANY (CA)

After this conpany stated that my investigation had been completed ; I sent a letter asking them to reinvestigate these accounts listed below WELLS FARGO XXXX This account is not accurate as I have never been known as XXXX XXXX XXXX. This information is false and not accurate. They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/2024. This company has not responded to my letter within 30 to 35 days and my tracking number for this letter is XXXX. Please look into this matter. According to 15 USC 1681i 5 they are supposed to do this ( 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 the item of information from the file of the consumer. 

In addition to this : I was also going through Financial Hardship and had monthly payments deferred by creditor. As per the UCC Code of California Law I as a debtor and consumer are to receive a notice that my car would be repossessed via mail in which I was not notified, this being a violation of my consumer rights according to UCC Code of Law. I was not given any redemption requirements by the creditor in writing nor Notice of Intent Requirements. This is a violation of my UCC Code Consumer Rights. I also did not receive a Deficiency Notice. The creditor did not follow the process in which must be upheld as per the Law. Due to the violations ; Accuracy of information on credit report can not be verified as complete and accurate and have breached my consumer rights.
Consumer complaint received 2023-11-17
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. (VA)

XX/XX/2023 on old card - fraudulent charge card not present. I disputed. They sent me a letter saying it was removed. They cancelled that card, sent me new card I have not used AT ALL. 
Old charge reappeared - again disputed. Same amount, different vendor reappeared. 2nd letter saying they removed the charge. 
I ONLY used the Citibank Best Buy card at Beat Buy last year - all other charges are fraud. 
So now I have two USPS mails saying the fraud amount was removed and an email that says I am late on payment. When I saw they were still using the old account on my bill, I closed the whole account and now they are sending me the same bill under the new card they issued me. And it is not showing that the card is cancelled. 
And now the charges are larger because they are adding late payment fees on the account. 
I am afraid to log in to Citibank now because they keep moving the charge from one account to the next, The initial fraud had to be due to a Best Buy employee as the email was sent to an email address I no longer use that used to be on an OLD Best Buy account before I changed my name. All transactions I made on that card were made in person at a Best Buy Store.
Consumer complaint received 2024-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am disputing the inaccurate reporting of an XXXX account by the credit bureaus. Despite re-investigations, the bureaus continue to verify the account as accurate, even thought it was transferred and sold to a collection agency. The last updates were reported as follow : TransUnion and XXXX XX/XX/year>, and XXXX on XX/XX/year>. I believe this reporting does not comply with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MN)

Back in XXXX, I had {$1400.00} dollars stolen from me. Chime refused to pay back the money that was stolen from me from a scammer. The scammer pretended to be a chime customer service member. Then when I called chime they said since you willingly gave money to the scammer there is nothing we can do. That's {$1400.00} dollars stolen from me money that should've been paid back by chime. I even made a police report and told chime that I will be looking for a lawyer to get involved. Here it is almost the end of XXXX and still nothing back from chime I saw a story online about this site and now I'm interested in getting chime a piece of my mind from what was stolen from me..
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My interactions with the debt collector have been marked by persistent efforts on my part to obtain vital information, which unfortunately have not yielded the desired results. I have repeatedly requested specific items such as the audit trail detailing the balance in question, the contractual agreement that substantiates their authority to pursue this debt, and the master bill of sale that underpins their claim. Regrettably, the debt collector has consistently fallen short of providing these essential documents despite my sincere inquiries. Moreover my attempts to halt communication through a formal cease and desist notice have been met with continued disregard, as their attempts to contact me persist. In addition to this. I have initiated multiple reinvestigations, urging the debt collector to share the identities of the individuals who purportedly verified the contested information. To my dismay, there has been no response from either the debt collector or the credit agency involved. Their lack of cooperation and failure to furnish the requested information not only raise concerns about the accuracy of their claims but also the adherence to legal obligations. The absence of a timely and comprehensive response has further exacerbated my concerns and underscores the need for a resolution that adheres to the pertinent regulations.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX, XXXX, Experian, XXXX have violated my consumer rights under the FCRA because they are reporting inaccurate data about me even after I disputed the inaccuracy. XXXX XXXX, XXXX, Experian, XXXX are reporting a closed account since XX/XX/XXXX as an open account in XXXX. XXXX XXXX, XXXX, Experian, XXXX are also reporting an inaccurate balance of {$2600.00}, intentionally increasing score damage and hurting my debt income ratio. Attached is a copy of my most recent credit report for your viewing. Please see the " balance '', " date last active '', and " date of last payment '', " comment '' section.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA (NJ)

XXXX XXXX XXXX This account was reported to all three credit bureaus Kia Fianc American {$15000.00} ( Charge Off ) Close Account Opened XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-14
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-05-26
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: EQUIFAX, INC. (MD)

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. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-06-22
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 have a loan with XXXX XXXXXXXX, and I have consistently made my payments on time. However, I recently discovered that there are late payments on my credit report. It is evident from my payment history that I have always maintained an excellent record with this company. Despite my efforts to contact the 3 Credit Bureaus, I have not been able to successfully resolve this issue. There is definitely an error on their part, and I am certain of it. Therefore, I am submitting this Follow-up CFPB Complaint to request a thorough investigation by the Credit Bureaus to rectify this discrepancy and ensure 100 % accuracy in the information they report. The accounts in question are as follows : XXXX XXXXXXXX XXXX with a balance of {$1700.00} and XXXX XXXX  XXXX with a balance of {$580.00}. I firmly believe that the information being reported for these accounts is inaccurate. I have always made my payments on time and have maintained meticulous records of my own. Upon comparing the credit bureau 's records with my own, it is evident that there is a mismatch. Therefore, I kindly request that a comprehensive investigation be conducted for these accounts to ensure their legal and lawful accuracy.
Consumer complaint received 2024-03-14
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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-03-14
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)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (TX)

My loans were transferred to Aidvantage. I have attempted to change my loan to the SAVE plan several times and have had zero luck. I have submit documents on XXXX several time to change to change plans. It shows completed on the website, however Aidvantage is not processing the paperwork or changing my plans. I have called them over XXXX times, been on hold for over 50 hours, and been sent to a mailbox that is full several times. They have a mailbox that is full and it hangs up on you. They do not return emails. I want to file a complaint against Aidvantage. I am worried they will cause my account to go into default and ruin my credit. I need help changing my plan to SAVE plan.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (PA)

Companies are furnishing false information on my consumer report. This has negatively affected my ability to obtain lines of credits from lenders. Also Pa statute of limitations prevents charged off account from reporting after 7 years. These negative items are unlawfully being furnished on my report.
Consumer complaint received 2023-09-18
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. (IN)

I DONT RECOGNIZE THESE INQUIRIES XXXXXXXX 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 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I made payment using my bill pay function on my Chase checking accout, The payment was made for {$160.00} on XX/XX/XXXX, payable to XXXX XXXX XXXX. 

On XX/XX/XXXX I received 5 emails from XXXX XXXX indicating my payment was declined. I looked at my Chase account and the activity showed the money being deducted and completed. 

I called XXXX XXXX on XX/XX/XXXX and they suggested I wait one more day.

So today the payment of {$160.00} has not been credited. 

I called Chase customer service and spoke to 5 separate customer service representatives. Each of them confirmed the transaction and said I would have to talk to someone else. I am now waiting for the 6th person to speak to. So far each representative said there's nothing they can do. 

This same thing happened last year with a payment of {$250.00} to XXXX XXXX XXXX ( local electric provider ). In that case, I couldn't get any help and I had to pay an additional {$250.00} out of my own pocket because Chase lost my money. I'm not willing to do that again, so that's why I'm asking for your help.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On the XXXX of XXXX, I lost my credit card in XXXX XXXX, Nevada. I did not realize that this was the case until WellsFargo contacted me notifying me of potentially fraudulent activity. I looked, and yes, it was. In fact, XXXX XXXX  had been trying to charge my card over and over. I closed card, and ordered a new one. I filed a claim, and this involved being on the phone for long amounts of time on hold, a rude customer service rep questioning me like I'm a criminal, and being placed on hold indefinitely. I received a letter in the mail saying my claim was denied because I " did not provide information '' despite wasting hours of my life providing the same info over and over. Now I am on hold again because XXXX the customer service rep has told me that this charge for a cleaning service was legit, and I'm being transferred yet again. 

Manager : " XXXX '' says " hard denial '' of claim despite the ridiculousness of it. I have no reason to charge for a cleaning service on vacation. Especially after the bank itself flagged it.