davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (RI)

XXXX This was the previous complaint THAT SHOULD HAVE NEVER BEEN CLOSED To date, XX/XX/2023 NO FUNDS HAVE BEEN RECEIVED FROM THEM and the one check they did issue they " STOPED PAYMENT " on it causing an additional charge of {$15.00} to me from XXXXXXXX XXXX XXXXXXXX ( my financian institution ). At no time did they inform me that I was not to use that check that they took almost a month to get to me.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX XXXX XXXX XXXX {$9500.00}
Consumer complaint received 2023-06-20
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (NV)

Ive been with Navy Federal Credit Union for over 5 years. For the past 5 months my credit card has been compromised. I havent had any help from my credit union to retrieve my funds. 
On XXXX XXXX, my wife received a letter from XXXX XXXX XXXX saying that they had a data breach. That over XXXX XXXX of there clients were hacked by a vendor of theres. I really believe that was the reason my credit union has had so much problem retrieving my money. I did send the credit union a copy of the letter we received from XXXX XXXX XXXX. BUT, still they havent returned my money. I received a letter from nfcu saying that my account has been set to a representative to help me with my dispute. Last week I went to my local NFCU and showed them that the credit union has double charged my account. Today I believe that person assigned to my case doesnt have the knowledge or the guidance to evaluate my account properly. Thats why am contacting you. 
Am a XXXX Veteran. I am scheduled to have XXXX next week on my back in a few weeks. I really need my funds as soon as possible. That money will help me during my time off of work.
Consumer complaint received 2024-03-28
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 dispute several accounts on my credit report that resulted from identity theft. These accounts do not belong to me and I am the one disputing this fraudulent information. I have already informed the companies involved about the fraudulent activity. Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft. Please delete these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (GA)

In XX/XX/XXXX, I was behind on the payments for about 4 months and we sent a statement letter from LoanDepot about us owing {$27000.00} at the time. I requested a loan workout plan, so by XX/XX/XXXX, I received a letter stating they had received my inquiry for a loan workout. I have tried to get a workout plan for over a year but to no success. I was having medical issues due to complications of XXXX, which I caught in XXXX. I was admitted to XXXX XXXX in XX/XX/XXXX after having severe complications, because I started to have XXXX XXXX XXXX which XXXX triggered. I have been under several doctors ' care over the past two years, but recently over the past few months, I have been advised by my doctor that I will need to have XXXX XXXX. This is why I can't pay the initial payment amount for the mortgage and need the loan modified. I have been calling, pleading, and writing hardship letters to LoanDepot asking for a loan modification. I even reached out to HUD to get approved for mortgage assistance. I was approved for the assistance but LoanDepot will not sign the necessary documents to receive the funds or work out a plan with me. I have asked them to place the missed payments on the back of the mortgage loan. I was denied for everything I had written to them and suggested. I wanted to get my payments lowered for a certain amount of time until I was fully recovered from XXXX, but there was no help from them. I called them in XX/XX/XXXX and asked what solution they agreed to and they stated I would be on a XXXX Trial Payment Plan, paying {$10000.00} a month. That is {$4000.00} more than what I was initially supposed to be paying. This situation is stressing me and there is no way I can afford to pay {$10000.00} a month and have XXXX XXXX. This situation is stressful and I can not afford to lose my house, especially when I am trying everything to save my home from foreclosure. All I asked was for them to work with me on this situation. I would like a resolution that would benefit both parties.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MN)

XXXX XXXX  sold my debt to midland credit management inc which hired a law firm to " sue '' me for amounts owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX minnesota. which sent a fake summons officer to " serve '' me with fake court documents with no clerk signature or court number in an attempt to scare me into a premature answer to summons. and just now XX/XX/2024 i just opened another huge stapled fake court document showing i owe more including court fees etc. i have yet to receive notice from XXXX XXXX court clerk of their intent to sue. they are just applying for default judgement before anything has a set date. its a very aggressive tactic for people who have violated the FDCPA in my mind with the fake summons with zero legit court credentials
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with Transunion reporting inaccurate information and with XXXX XXXX risk services also reporting inaccurate information even after they are suppose to remove it
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Foursight Holding LLC (MO)

UPDATE FIRST AND LAST NAME REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS. REMOVE ALL ADDRESSES CONSIDERED NON MAILABLE. PRIVACY ACT OF XXXX  CHARGE OFFS IS CONSIDERED AS A CERTIFICATE OF INDEBTNESS WHICH MEANS IT IS INCOME AND CAN NOT BE REPORT TO CREDIT REPORT. IT MUST BE REMOVED. THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. UPDATE AS PAID AS AGREED. REMOVE INQUIRIES, HARD, SOFT, PROMOTIONAL, PREAPPROVALS- PER 15USC 1681
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Avid Acceptance, LLC (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 



XX/XX/XXXX Sent method of verification, still no response. 



XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 



XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX never received any notice of statement before 21 days of the due date from XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete unaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ASSOCIATED BANC-CORP (IL)

I was referred by the XXXX association that Associated banks had a grant for minority women that I qualify for and Associated bank provided me with a credit application and still denied me credit for not having enough income. I was applying for the loan so that I can make more income to open up my hair salon store front. I needed the loan to make the repair to the building I purchased.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One credit card that advertised a {$300.00} cashback offer upon spending {$500.00}. With a credit score exceeding XXXX, I felt confident about approval. Subsequently, I received approval for the QuickSilver credit card and proceeded to spend {$500.00} using it. However, upon inquiring about the expected cashback, I was surprised to learn that the QuickSilver card wasn't eligible for the advertised offer. I reiterated that I had applied precisely as instructed through the m
ailed offer. However, the customer service representative clarified that I had been approved for a different card than the one I applied for. This came as a shock because nowhere during the application process was it indicated that I would not be eligible for the {$300.00} credit, especially considering my exceptional credit score. 

When I asked for documentation verifying that I was denied the cash back offer, they were unable to provide any such documentation. This experience has led me to suspect a bait-and-switch tactic, as the sole reason for applying was to benefit from the {$300.00} cashback offer. Consequently, it became apparent that I had just spent {$500.00} using their credit card for no benefit, except for a hit on my credit score! The discrepancy between what I applied for and what they approved me for, without the {$300.00} cashback offer, was not clearly communicated to me during the application process.
Consumer complaint received 2023-08-30
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)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX, XXXX. XXXX. Please delete this account ASAP.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

At the day XX/XX/, the US bank closed my account. ( My account number : XXXX ) and I have no idea why they closed my account. 
Also, I tried to call and ask to US bank customer service but they do not give me any information about the case and always automatically shut down the phone. 
I really want to know what day exact they give me back my money and the reason why they close my account because I do not want it close, they have usually used for a long time with nothing happened.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (FL)

I received an email today XXXX, XXXX from chime letting me know that my debit card should have arrived and to activate it. 

I called in to Chime immediately at XXXX and got XXXX who I explained the situation to. He stated he closed out the account and that I would not be liable. I asked how was the checking account even opened and debit card mailed out when all three of my credit reports are frozen as it typically requires a credit check to finalize the opening of a checking account. He was unable to answer this question. I requested to speak to a supervisor and he stated that there was no supervisor available to speak to me in regards to fraud/identity theft and would not provide his immediate supervisors name. I then ask him to transfer me to the Fraud Dept and he transfer me to another costumer service rep XXXX. 

I then explain the situation to XXXX and request to speak to a supervisor and he transfers me to XXXX. 

I then explain the situation to XXXX and she was unable to provide me any information because I could not confirm the physical address used to open the account. The physical address used to open the account was not actually my address which is why I have not received any paper mail in regards to this account. 

Chime appears to not take Fraud/Identity Theft Seriously and skips basic measures to ensure they are not enabling fraudulent activity.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BOK FINANCIAL CORP (OK)

Bank of Oklahoma sent me a letter saying that they are going to revert to mailing paper statements and charge a fee of two dollars per month to mail paper statements if you are already signed up for online statements. This makes no sense and the fact that they're giving people 30 days to review and if they don't do anything, they're gon na start charging you two dollars a month in fees to mail paper statements when you were previously receiving online statements for free is ridiculous and they should be Investigated, many people do not receive their mail on time and many people will forget to log into their account and make these changes and it's unreasonable for the consumer to have to opt back out of paper statements or be charged a fee for mailing. This is completely backwards from the direction that the industry is going toward doing more online statements and away from paper mailing I believe that this is also deceptive to the consumer and unfair, because if people don't take any action there, going to be charged a fee when they were previously taking an action that should lower their fees. Most banks charge you for paper statements, but they don't all of a sudden switch everyone back to paper when they were already online for the sole purpose of collecting extra fees.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX Last XXXX XXXX XXXX : XXXX Credit Bureau : EXPERIAN CREDIT BUREAU RE : To Whom It May Concern, On XX/XX/2024 I disputed an account reported by : XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on [ XX/XX/2024 & XX/XX/2024 ] that the NAMES [ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ] was deleted from my credit report.

Now I have discovered that the items have been reinserted in my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX.

Please govern yourself accordingly.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-10-29
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: AMERICAN EXPRESS COMPANY (CA)

American express is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, 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. (AL)

Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the identity theft.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XXXX XXXX DELAWARE XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.