davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I got a loan through affirm.com for XXXX of the merchants they offer. I never received my product, I opened a XXXX investigation with XXXX and the merchant had them close the investigation. I have been contacting the merchant for over a month, submitted the PDF copy of the Police Report they requested and am being ignored. My messages to the representative I was in contact with show read recipient, when I call the phone number I get forwarded. The item was supposed to be delivered on a Monday, XXXX signature required, and I received a delivery email on a Saturday when nobody was home. Merchant claims packages are insured, but Ive yet to see a claim number or any requests from the insurance company. Merchant has officially stopped responding, but reads my messages.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XXXX XXXX XXXX stay was booked through XXXX XX/XX/XXXX I cancelled the reservation the same day via XXXX XX/XX/XXXX XXXX XXXX XXXX charged my card XX/XX/XXXX via XXXX. I explained the cancellation, asked for a refund to which they responded by blocking myself and family via XXXX, the only way to contact them since they are international. 
XX/XX/XXXX I contacted XXXX to step in. XXXX XXXX XXXX would not respond to XXXX I filed a dispute with Chime XX/XX/XXXX submitting screenshots showing the cancellation was well beyond the 14 day time frame. 
XX/XX/XXXX chime denied my initial claim and stated I could rebuttal the decision. 
XX/XX/XXXX I requested documentation and a denial letter from chime. I submitted new evidence, including my cancellation confirmation. 
XXXX chime denied my claim again. I asked for a denial letter XXXX requesting the documentation provided and a reason for denial. 
I followed up XX/XX/XXXX on my initial request for a denial letter from XX/XX/XXXX. No response from chime. 
XX/XX/XXXX I receive my denial letter from chime which is just a written statement stating that I booked the wrong dates and it was within their cancellation policy. My showing that I cancelled within the timeframe of their policy, and how I explained that I cancelled because I booked the wrong dates was not included. 
The denial letter chime sent XX/XX/XXXX DID NOT meet Regulation E requirements, either.
Consumer complaint received 2024-04-26
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}.
Consumer complaint received 2024-04-26
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-06
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: EQUIFAX, INC. (WY)

I disputed the incorrect payment status reporting of this account. I am showing all payment to be made on time during the term of this account. XXXX is showing current status, yet Equifax and XXXX is showing 30 day late will reporting the months detail as on time. Please update the payment status from Late 30 days to Current to reflect the correct status.
Consumer complaint received 2024-04-26
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX this complaint. 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.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

This is in reference to : COMPLAINT ID XXXX SUBMITTED ON : XX/XX/2023 I am resubmitting my claim as Citibank did not have my other one in file. Complaint Summary : XXXX Friday, XX/XX/XXXX, deposited a settlement check, but discovered on Sunday, XX/XX/XXXX, that all accounts had been removed. 
-Contacted Citibank and was informed to wait until Monday to speak with the XXXX Department XXXX 
-Experienced inconsistent information from Citibank XXXX the issuer of the check, and the former employer 's attorney. 
-Citibank denies knowledge of a call made from a provided number, contradicting statements from the issuer of the check. 
-Despite being a recent graduate and social worker, concerned about being treated as having questionable character. 
-Attorney with Citibank XXXXad no trouble depositing a check from the same issuer, raising doubts about Citibank 's investigative process.

-Citibank 's failure to provide guidance or alternative resolutions led to the customer verifying the check independently. I requested previous statements from the bank teller that sent it back to the fraud department. As the fraud department did not have access to this information and shows I have received multiple checks from this company when I was employed here. 
-Faced difficulty in identifying the correct contact number for XXXX XXXX XXXX XXXX the issuer of the check. Even though the bank teller provided me with the number Citibank had on file. 
-Citibank told the issuer that the account was frozen because of an attempted cashing of the check, despite having proof of the deposit.

-Citibank is holding the customer 's money, refusing to provide any information or updates. 
-Was told a supervisor XXXX would be able to help me and there was a note in my file to speak with her. I was never connected to her or received a call back. When I contacted Citibank again asking to speak with her, they said there was no record of this. I have all conversations with Citibank recorded. 
-Citibank is telling me they still need the issuer of the check to call or have bank the check is issued from fight to get the money back with a hold harmless claim
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have noticed two hard inquiries on my Equifax credit report that I did not authorize. Both inquires came from XXXX XXXX XXXX  XXXX They both appear on my report under the name XXXX XXXX hard inquiry occurred on XX/XX/year> and the other occurred XX/XX/year>. I did not authorize either inquiry, nor did I apply for a credit card with XXXX XXXX. Around XX/XX/year> I contacted XXXX XXXX regarding the XX/XX/year> credit check. They agreed to flag the inquiry for fraud and sent a notice to Equifax. However, the inquiry still appears on my report at this time. I then later noticed the second hard inquiry on XX/XX/year> and once again contacted XXXX XXXX. However, this time they indicated having no record of any pending credit applications or requests for a credit check. I contacted Equifax on XX/XX/year> to further dispute the inquires on my report, but they instructed me to file a report with FTC.
Consumer complaint received 2024-04-26
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)

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required XXXX report, the account continues to appear on my credit report with your bureau. The presence of this fraudulent account tarnishes my credit history and could have serious implications for my financial future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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 lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

i have been falling behind on my mortage payment due to work related injury- since i have fully recovered i have made all payments on time since y injury 2 years ago, and now close to caught up and only a payment behind. Nationstar offered a modification ( this has been going on for quite sometime ) unable to do so because there is always missing documents that re required that i summit -and its always changing. for example first we needed bank statements and rental income documentation. i send copys of checks and bank statements to justify this, the first phone call from XXXX XXXX clearly indicated that was good enough, ( either/ or will work ) i didnt ' ask for the modification -now it changed again. i need to " circle '' where the rental income is as far as deposit. i already gave copy of check, they can verify this. Today i got a phone call from XXXX XXXX. XXXX XXXX XXXX now saying its not good enough. i have been constantely " harrassed '' by her phone calls and all the mailings i consistantly get in the mail. i receive at lease XXXX phone calls a month if not more - i am requesting to have the recorded phone conversations send to CFPB to listen to.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to file a formal complaint and demand action against XXXX XXXX XXXX regarding fraudulent activity and inaccurate reporting that has severely impacted my financial reputation. 

My XXXX XXXX XXXX was used without my permission, despite my belief that the card had a XXXX balance. I did not receive any statements from XXXX until I was notified by credit bureaus that XXXX had reported a late payment on my credit report. This unauthorized use of my card resulted in significant consequences : XXXX. XXXX opened a claim and refunded the fraudulent amount. However, they failed to refund the associated late fee, which was a direct result of the fraudulent activity. 

XXXX. Despite acknowledging the fraudulent nature of the transaction, XXXX has continued to report the account as late on my credit reports. This inaccurate reporting has led to a reduction in my credit limit with XXXX and the closure of more than XXXX XXXX cards by other financial institutions, as well as reductions in credit limits across various accounts. 

These actions by XXXX have had a severe and unjustified impact on my financial standing and reputation.
Consumer complaint received 2024-04-26
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)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the 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 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
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Servicing of my mortgage transferred to Nationstar from XXXX as of XXXX 2015. 
There are two XXXX 2 XXXX detached dwellings on my property. Each carries its own homeowner 's policy and earthquake policies, for a total of four XXXX 4 XXXX policies. For the 22 years I 've lived on this property, the previous servicers have paid all four XXXX 4 XXXX policies. 
When my servicing was transferred to Nationstar, I checked for the existence of the policies in my escrow account online. The earthquake policies were not present, so I called Nationstar. They told me that since earthquake policies are not mandatory, they do n't have to pay them, so they are refusing to do so because it is not their company " policy. " It is my understanding that a servicer is to honor property tax and insurance policies that are attached to the property. I think it is outrageous that a servicer I did not choose XXXX Nationstar XXXX can refuse to provide this simple service. 
I further believe that Nationstar is illegally demanding that I continue to pay my earthquake policies while they take 3-4 months to determine what the new escrow payment is. I am being forced to overpay my escrow monthly, giving Nationstar FREE USE of my money. They did not indicate they will pay prevailing interest on these monies they are illegally demanding. 
**Note on my attachment that Nationstar indicates the date of the letter is XXXX/XXXX/2015, but I did not receive it in the mail until XXXX/XXXX/2015.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to request the removal of outdated addresses from my credit report and the update of my current address. The addresses listed on my report are no longer valid and may affect the accuracy of my credit file. 


My Current Address is : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I kindly ask that you promptly remove the outdated addresses and update my credit report with the correct current address. Your assistance in resolving this matter is greatly appreciated. 

I am attaching my ID and XXXX XXXX to verify my current address as well as my XXXX XXXX card to verify my identity. Thanks!
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-04-26
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. (TX)

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (FL)

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 XXXX ( 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 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (IL)

Dear Sir/Madam, I am writing to exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 USC 6802. I hereby inform you that I am opting out of any and all authorizations, whether they were given to you in written, unwritten, verbal, or non-verbal form. 

As a consumer, it is my right to control the disclosure of my personal and financial information. I understand that the FCRA grants me the ability to limit access to my credit information, and I am now exercising that right. By opting out, I am requesting that you cease the collection, sharing, and reporting of my personal and credit information to any third parties, including but not limited to creditors, lenders, and other credit reporting agencies. 

Please ensure that my name and all associated personal information are removed from your databases and any future credit reports. This includes but is not limited to my social security number, date of birth, current and previous addresses, employment history, and account information. 

I kindly request that you confirm in writing within 30 days of receiving this letter that my opt-out request has been processed and that my information will no longer be shared or reported. Furthermore, I expect that you will comply with the FCRA regulations by not providing my information to any unauthorized parties in the future. 

Please consider this communication as a formal notice of my decision to exercise my rights under the FCRA. Failure to comply with this request may result in legal action taken against your agency for violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I trust that you will handle my request with the utmost professionalism and ensure that my rights under the FCRA are fully respected. 

Sincerely,
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/year>, I received a letter stating that I had applied for a capital one Credit card. The application ID is XXXX. Capital ones address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never applied for a capital one credit card. 

This was a fraudulent attempt. 

Thank you, XXXX XXXX