davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been on time for all my payments for the last 8 years. I experienced an economic hardship in XXXX XXXX, 2017. I contacted Nationstar to inquire about payment assistance. The representative informed me that I qualified for a payment plan. My XXXX mortgage could be spread out for 3 months. She informed me that my credit would be reported as delinquent during the 3 months, but at the conclusion of the 3 months and if I was meet the terms of the payment plan, my credit would be would be reversed through a credit dispute. I decided to go with the payment plan. A month later, XXXX/XXXX/17, I was greeted with a notice on my door with a letter Nationstar asking me to call to confirm that the property was not abandoned. I later received a {$15.00} charge on my statement for a property inspection, the fee to serve the notice. I called to inquire why I was charged this fee if I was in communication with Nationstar and have set up a payment plan. The supervisor explained that the fee could not be waived and that it was part of regulations. She could do nothing about it and informed me that the representative should have informed me of the {$15.00} fee. Throughout the 3 months of the payment plan, I receive daily automated phone calls harassing me to call Nationstar because of my delinquent status. I have attempted to call them back and the representatives are always confused if I have a payment plan why I receive the calls daily, yet they still continue. In the end, I have completed my obligations for the payment plan in full on XXXX XXXX,  2017 as scheduled. I inquired the process of reversing my credit as was explained to me when I signed up for the payment plan. The supervisor said I can complete a credit dispute but there is no guarantee that it would be reversed and explained that the initial representative gave me false information. I wanted to file a complaint, but the supervisor could not tell me who was the initial representative that set up the placement plan. I would have sought other alternatives if my credit would be tarnished. I believe it is ridiculous to be charged hidden fees for the property inspection when I am in communication with the organization and there was no need to see if the home is vacant, especially when experiencing economic hardship, and especially when I am being compliant to the terms of the payment plan. In addition, the daily phone calls and emails are harassing. The information provided about the payment plan is false.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by XXXX right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Consumer complaint received 2023-12-18
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. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the multiple attempts I have made to rectify the fraudulent items on my credit file. I believe that my case has not been given the attention and resolution it deserves, and I am compelled to file a formal complaint. 

I first became aware of unauthorized and fraudulent entries on my credit report. Since then, I have diligently followed the proper procedures by submitting detailed dispute letters, providing evidence of the fraudulent activities, and requesting a thorough investigation into the matter. Despite my persistent efforts, I have encountered a lack of responsiveness and effectiveness in addressing this serious issue. 

The fraudulent items on my credit file are adversely affecting my credit score and financial well-being. I have attached copies of the supporting documents, including but not limited to police reports, affidavits, and any correspondence related to the fraudulent activities. It is disheartening that despite the submission of this evidence, the inaccurate information remains on my credit report. 

I understand that credit reporting agencies play a crucial role in maintaining the accuracy and integrity of consumers ' credit information. However, the repeated failures to rectify the fraudulent entries in a timely manner have not only caused undue stress but also have potential long-term consequences on my financial stability. 

I am seeking your immediate attention to this matter and request a comprehensive and expedited review of my case. I insist on a thorough investigation into the fraudulent items and a prompt removal of the inaccurate information from my credit report. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to resolve this issue. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I am prepared to escalate this matter to the appropriate regulatory authorities and seek legal counsel to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CO)

On XX/XX/2023 I came to XXXX XXXX XXXX to apply for a Business checking, savings and XXXX XXXX XXXX XXXX XXXX XXXX under the name of my business [ XXXX ]. I left XXXX XXXX XXXX with a folder containing information on my Business Checking and Savings Accounts along with promotional materials for the XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2023 activated what I understood to be my XXXX XXXX XXXX XXXX XXXX XXXX and made 2 purchases ( XXXX from XXXX XXXX and XXXX from XXXX ). 

Called XXXX XXXX XXXX branch on XX/XX/2023 and called XXXX XXXX the same day to report the error ( within 30 days ). 

I was advised by XXXX XXXX  to reapply for the card with the assurance that my credit could be fixed due to Banker or Credit Card Company error after XXXX XXXX XXXX submits documentation on the error. I did so under that advice on XX/XX/2023 with [ XXXX ] at my local XXXX branch. 

On XX/XX/2023 XXXX XXXX contacted XXXX XXXX XXXX saying the credit report can not be corrected due to card activation and transactions being made which is in direct opposition to their previous advice.
Consumer complaint received 2023-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MS)

I am writing in response to the adverse action taken by NAVY FEDERAL CREDIT UNION regarding my recent credit application. I believe this decision may be in violation of certain provisions outlined in the United States Code, specifically 12 U.S.C. 1431, 15 U.S.C. 1611, and 15 U.S.C. 1602.

As per 12 U.S.C. 1431, the powers and duties of banks in credit transactions involving natural persons for personal, family, or household purposes must adhere to certain standards. It is crucial to emphasize that the term " consumer '' in credit transactions characterizes such transactions when the party involved is a natural person, and the transaction 's subject is primarily for personal, family, or household purposes. 

Additionally, the terms " open end credit plan '' and " open end consumer credit plan '' as defined in 15 U.S.C. 1602 encompass plans where the creditor reasonably anticipates repeated transactions, prescribes the terms of such transactions, and includes provisions for a finance charge computed periodically on the outstanding unpaid balance. It is essential to note that even if credit information is verified intermittently, the transaction remains an open end credit plan or open end consumer credit plan.Furthermore more NAVY FEDERAL CREDIT UNION has been discriminating against XXXX XXXX Americans, and I believe I have been victimized by their actions.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : I recently received a copy of my credit report and I noticed you're furnishing an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report. 

Account # - XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Thank You XXXX XXXX
Consumer complaint received 2023-05-12
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. (NC)

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 2023-12-17
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: Experian Information Solutions Inc. (IL)

I have reached out to Upgrade 3 times asking why have they not update my balances. I have XXXX active accounts with them and they are the only ones who have not updates since XXXX. My balances are significantly lower and im in the process of the first step of home buying its causing my score to drop, it makes it look closed because they do not provide usage and the balance owed is way up. For instance XXXX upgrade card limit is XXXX I paid them down to XXXX my report it shows XXXX limit and my balance is XXXX meaning im way over my balance! With over the limit.on another upgrade card limit XXXX its says my balance is XXXX! My balance is XXXX. I have XXXX loans with them XXXX loan says XXXX and I owe XXXX and another loan shows XXXX and im down to XXXX. These things make me look bad and cause damage to my report and does not help me. I disputed it with upgrade several times they blame the credit reporting people. I complain to experien I pay them {$25.00} a month and the disputes leads me to the same place! No one is truly investigating or helping. I even uploaded my statements yet no resolution
Consumer complaint received 2023-12-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The events below required me to request a chargeback which Bank of America denied citing regulation Z of the truth in lending act. The events are listed below and all transcripts and emails have been included. 

I purchased an item on XXXX on XX/XX/. I have chat and email transcripts of everything I mention below. I purchased a large 3D printer which arrived in a damaged box. I opened the box to find the glass bed broken. I reached out to XXXX chat to return the item. Upon my description of the damage the agent advised me that they would refund my money within 3-5 days. I asked how I should go about returning the item since the box had holes in it and was damaged. The agent advised me to " Safely dispose of the item ''. I asked him multiple times if that was really want I should do and he advised me that it was and that I should " rest assured ''. Shortly after this chat I received an email stating I would be receiving a refund in 3-5 days. After 7 days I had no received a refund so I contacted chat again and spoke to a supervisor. This person stated that I had to return the item to receive the refund. I provided him with the chat transcripts with the previous correspondence w/ an XXXX  agent who advised me to dispose of the item. I advised the supervisor that I had followed his instructions. He said he was sorry but there nothing he could do. Shortly after this chat I received an email from the supervisor apologizing for the misinformation their agent gave me but they could not help me with a refund despite their agent advising me to discard the item. I spoke to my credit card company ( Bank of America ) and they advised me a chargeback was not possible citing the Truth in Lending regulation Z. I had also provided the credit card company w/ all chat transcripts showing what I stated above. The credit card company stated I needed to take the item to a repair company for a second opinion despite the fact I no longer had the item since the seller ( XXXX ) told me to discard the item.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (WV)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-17
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. (SC)

Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the XXXX limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations. 

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Consumer complaint received 2023-12-17
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: Experian Information Solutions Inc. (GA)

Experian has 7 fraudulent inquiries in my credit report and I want them deleted off my credit report. I did not give anyone permission to use my credit report nor check my report this is how bad experian is, but yet they constantly have issues with data breaches and not having the best security, remove these credit inquiries, because they are not mine and I will provide screen shots of these inquiries to show they in fact on my credit report and also XXXX  account thats on my report please have removed because its fraudulent I didnt open any XXXX account
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (SC)

On XXXX I had a hard time getting my card back out of a ATM machine. Since it took too long, the ATM indicated it cancelled my transaction due to timing out, however it indicated to my bank account the funds were withdrawn. My card holder did an investigation and you ATM still indicated the money was withdrawn.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NC)

Almost XXXX XXXX ago I applied for a Citi XXXX XXXX credit card after a years of throwing away the promotional mail. Even though I have repeatedly identified myself with representatives, I am still denied the completion of this card. My application is now in the fraud department. 
I have no idea why. No one has called me. It appears that Citi used the XXXX instead of test to finalize the process. 

I have no idea what is wrong and no one will tell me. 

The account was opened with a balance transfer request. I had called back to change the amount of the payoff. 

The balance transfer has not been processed.
Consumer complaint received 2023-09-21
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 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 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 2024-04-27
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'm not liable for this debt with XXXX XXXX XXXX for the amount of XXXX $ that was establish on XX/XX/year> as mention before I'm a victim of identity theft and around XXXX some one took over my bank information and identity from the XXXX XXXX, and lost all access to my accounts