davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OK)

I have disputed the items several times with Equifax to no avail. The company stated that they reinvestigated, however I preceded to access my Equifax consumer report via the Equifax website and make copies of the information pertained and discovered no update. 

15 U.S.C 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency received a dispute, it shall reinvestigate free of charge, the current status of the disputed information or delete from the file within XXXX  days, beginning on the date the dispute was created unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by Equifax indicates the account was previously investigated, it does NOT however state whether the dispute was determine to be frivolous or irrelevant. 

It has been over XXXX  days since Equifax received my dispute and I have not received any other notices that my dispute was determined he dispute was determine to be frivolous or irrelevant and yet the items still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the above accounts and personal information from my Equifax consumer file pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion. 

Equifax has XXXX  days from the receipt of this to cure else I will be forced to immediately proceed with litigation to recover damages caused by Equifax 's willful and negligent noncompliance of the Fair Credit Reporting Act.
Consumer complaint received 2024-01-29
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. (GA)

I am wanting to get these inquiries off my credit report because I DID NOT authorize these companies to run my credit. I have filled out an FTC report that is attached as well. 

Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/year> I wired {$1000.00} from my checking account at CITIBank to my checking account at XXXX  XXXX XXXX. The wired amount was returned to my account minus {$90.00} ( {$910.00} )!! 
My XXXX  account was vetted at CITI several years ago. I wired money in XX/XX/year> the same way without a problem. 
My XX/XX/year> CITI wire transaction # XXXX. No number is attributed to the XXXX return. 
CITI representative blames XXXX for {$90.00} fee. XXXX wiring department representative says policy is not to reduce wired amount BUT they never received it or it would have a transaction number.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NC)

I sent the following letter with no resolution or response from XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my account with Hyundai Motor Finance, associated with Account No : XXXX, pertaining to the vehicle, a XXXX XXXX XXXX XXXX XXXX with the VIN : XXXX. 

According to recent revelations from the regulatory authority, Hyundai Capital America 's ( XXXX  ) non-compliance with federal consumer financial protection laws, specifically the Fair Credit Reporting Act ( FCRA ), has come to light. The Consumer Financial Protection Bureau ( CFPB ) has levied a substantial penalty against XXXX, exceeding {$19.00} XXXX, owing to XXXX 's persistent furnishing of inaccurate information to nationwide credit reporting companies and the protracted delay in rectifying such inaccuracies. 

The severity of the situation is underscored by the fact that XXXX provided inaccurate information more than XXXX XXXX times across XXXX XXXX accounts from XX/XX/XXXX to XX/XX/XXXX. This widespread inaccuracy has severely tarnished customers ' credit reports, often resulting in lowered credit scores and adverse financial consequences. 

Furthermore, the CFPB identified these errors as stemming from " systemic '' procedural shortfalls within XXXX. Despite being aware of these deficiencies, sometimes through internal audits, XXXX failed to address them adequately, taking as long as XXXX years to implement sufficient fixes. 

It has come to my attention that my account has been subject to these inaccuracies, leading to unwarranted late payment reports and potentially damaging my creditworthiness. As a consumer protected by the FCRA, I have the right to accurate and fair credit reporting, and any misrepresentation or inaccuracies in credit reports can have serious consequences on my financial well-being. 

In light of the foregoing, I am formally requesting that all late payments associated with my account ( Account No : XXXX ) be expeditiously removed within 30 days from the date of this letter. Failure to comply with this request will leave me with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) by filing a formal complaint within the same timeframe. 

I trust that XXXX recognizes the gravity of the situation and is committed to rectifying its past errors. It is essential to uphold the rights of consumers and ensure the integrity of credit reporting systems for the benefit of all parties involved. 

Thank you for your attention to this matter. I look forward to your prompt response and the timely resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (NY)

I have items passed on that should be taken out or removed. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

I have a credit account showing on my credit report from Discover. This account is erroneous. I have disputed this account multiple times with the credit bureaus. Each attempt was unsuccessful. I contacted Discover by means of phone calls and written communication multiple times in an attempt to correct this incorrect mark. I had requested detailed information in writing to show how this could have ended up in my name. I had received nothing from the creditor nor any assistance at all. 

This erroneous account has negatively impacted my credit score, effecting my financial standing and overall well-being. I am trying to buy a home and this incorrect information is causing my family great distress. 

Due to Discover, nor the credit bureaus willingness to assist with this problem, I am requesting an investigation by CFPB. I feel this is a grave violation of my rights.
Consumer complaint received 2024-05-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO. (NC)

A few months ago, I called JP Morgan to request a deferment on a months payment. They agreed to the deferment and told me they were going to send out a letter for me to sign verifying the deferment. I never received the letter and a few weeks after I requested the deferment, they take two car payments out of my account Causing overdraft and stealing my money of {$500.00}. I called them so upset and they say they will return one of my payments to rectify the situation. They then send me a letter two weeks later and I know they deliberately waited that much time so they can create the excuse From the letter they sent me stating that they were not going to reimburse my payment because that would put me in arrears for my loan. I have been in such financial hardship because of that payment and fees they stole out of my account and refused to give back so that I could catch up on my finances. now that I have fallen behind on my payments, they sent me a letter stating that they were going to repossess my car for failure to pay my car note. This company is a scam and they are fraudulent. They have caused me hardship and distress and I dont appreciate their stress And threats. I need my car as it is my work vehicle and only means of financial support
Consumer complaint received 2024-08-27
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: Great American Finance Co (TX)

I opened an installment agreement with Great American Finance with the understanding this was a 36 month contract with no prepayment penalty. I paid it off in XXXX but they report that the account was late despite paying multiple months at a time. I submitted receipts and bank statements. 

They are violating Texas XXXX, and Im not sure what they feel they are accomplishing reporting false information. 

XXXX and XXXX claimed they investigated the issue but obviously didnt even look at the receipts or contract
Consumer complaint received 2024-07-17
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. (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 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 2024-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

I opened a Citi Savings account, in XXXX ( XXXX, approximately ). I have since made XXXX deposits ( XXXX {$1000.00} deposits, and XXXX {$2000.00} deposits ), totaling {$6000.00} USD. As of yesterday, XX/XX/year>, around XXXX CST, there is no sign of my Citi Savings account on the mobile app. Ive been using a Citi credit card for about two years, with no issues. The credit card portion of my business with them is still active, and manageable on the mobile app. But, zero sign of my savings account. 

Ive reached out to Citi customer service, and have spoken with a plethora of associates, to no avail. The bank is asking me for information I have no access to, and refusing to proceed with the process without it. Ive also been in contact with my hometown bank, that the transfers were initiated from. Theyve been unable to assist in the issue. I simply want to access my money, know its safe, and ultimately remove all business with Citibank.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (AL)

My home mortgage was transferred to nation star, now Mr. Cooper in XX/XX/XXXX from XXXX XXXX. When it was transferred I had a check in the amount XXXX that was cashed by XXXX XXXX but not transferred to Mr. Cooper mortgage. I began by calling Mr. Cooper and then XXXX and back and forth I finally wrote a letter because I was not getting an any answers. I have a letter dated XX/XX/XXXX that I wrote to XXXX XXXX ... now Mr. Cooper. I explained the problem and asked that they find my money and apply it to my account. My usual house payment is XXXX, however I often doubled or more my payment so I had more than 2 payments lost in the transition. I asked that they find my money and correct my records. They assured me there was a grace period for my payments in this transition and that no problems with my credit would occur because of this. I received a letter from Mr. Cooper on XX/XX/XXXX explained that they had found my money and that the payment was applied to my account. At that date I was paid until XX/XX/XXXX. I continued to make my payments at the exact amount of the payments. I did not trust it to make over payments with mr Cooper since their record keeping seemed poor. after some more back an forth my records were corrected and I was sent a history of my payments at my request. I was assured that I was in good standing and that nothing was late. in the middle of XX/XX/XXXXthis popped up on my credit report and Mr. Cooper had reported that I had made two payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX. That is untrue. I am trying to buy a house right now and it took my credit rating from above an 800 to the mid to low 700 's. My closing date has been set for XX/XX/XXXXand I have called and written to Mr. Cooper to ask that they correct this, Yesterday I received a letter from them that it would be at least another 30 days before they would get back to me. By that time my house will have closed and my credit will have determined another loan percent for me. I have explained this to Mr. Cooper on more than one occasion. I need to have this cleared up before my closing date and in time for my lender to have an accurate credit report on me. I have records scanned in to send to you. verifying what I have said to you in this letter. I need help and it needs to be quickly to make a difference in my loan. I am very unhappy with the responses from Mr. Cooper. This is not the only problem I have had with their service. I want to file a complaint. Thanks you in advance for any help you can give me with this very frustrating experience.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX I have filed a report with XXXX about the improper use of my credit report. I have filled a dispute on all late charges and negative inquires on paid off and closed accounts resulting in lowering of my credit scores, even though I have made consistent payments. I have had several cards replaced after being stolen and I believe these negative reports are in violation. 

In accordance to the Fair Credit Reporting Act, these creditors have violated my rights under USC 1681 section 602, it states I have the right to privacy, under 15 USC 1681 section 604- ( a ) section 2, it also states an agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ), a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for purposes. And FCRA section 605 ( b ) ( 15 USC 1681 c-2 ), notification. a consumer reporting agency shall promptly notify the furnisher or information subsection ( a ) of this section.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

Its been over 3 months of me asking American Express to fix a payment Ive made on XX/XX/XXXX on a phone call with Amex agent and the payment was to be for XXXX but the agent out it on the wrong billing cycle so the system didnt put it for XXXX. I contacted them and was advised to not make XXXX payment as they would fix the issue so I made my regular payment in XXXX. 
Ive been on over 30 calls with American Express and they promise resolution but dont fix it. Finally a couple weeks ago they refunded the amount saying they couldnt fix it and asked me to pay again, which I did. 
Now I got notification from my credit that American Express reported me as 30 days late payment when I never missed a payment. I talked with them again, over 3 hours on a call and they again say they have to open investigation and offered me no resolution. 
Ive been dealing with this issue for 3 months. I got wrong information and empty promises of resolution every step of the way. Ive wasted hours at every call and now I have a negative credit report when I made all the payments that were asked of me?! I need Amex to remove this negative remarks form my credit immediately and give me an apology for this mess!
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENTAGON FEDERAL CREDIT UNION (NV)

I contacted PenFed on XXXX XX/XX/XXXX reference my mortgage, loan number XXXX. I wanted to know if the mortgage was assumable. I was told it would take some time to research. 
However, the following day, XXXX XXXX, and again on XXXX XXXX, PenFed sent an email to my mother, XXXX XXXX, asking her to rate their mortgage servicing. 

XXXX XXXX is my mother and I am on her PenFed accounts as Power of Attorney. However, she is not and never has bee non my accounts or on my mortgages. I contacted Pen Fed on XXXX XXXX and wanted to know why they were sending mortgage servicing surveys to my mother who was not on the account but not to my husband who was on the account. I was told they would get back to me the following day and that did not occur. 

I am very concerned that PenFed feels its appropriate to send emails to someone not connected to my account letting them know that I made a call to the mortgage servicing department. This seems to be a major security issue. I have no idea if they would give her information if she called but I find it concerning that they feel she needs any information whatsoever in my financial business.
Consumer complaint received 2023-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/XXXX I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


Account name NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, 300 written off. {$16.00}, 300 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX overcharged me XXXX. Upon refuting the charge, I okay 'd my usual {$7.00} monthly charge instead thinking it was quickly corrected. Quicksilver [ CapitalOne ] fronted the overage amount of {$17.00} while contacting XXXX agreed that they overcharged and refunded {$17.00}. Instead of the card company applying this amount to the front {$17.00}, they kept that amount for their fronted amount and then a month later charged me {$17.00}. I contacted XXXX to see if they could pull their {$17.00} back so my card company would refund me but they say they don't do that. I contacted my credit card company requesting that they refund me and they won't do it. HELP!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that they sent the statement to the wrong address that caused the late payments to be incorrectly reported. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX