davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (TX)

I contacted PHH Mortgage in XXXX of XXXX to be placed on a XXXX XXXX for 6 months which they did. I called back in XXXX to make my first monthly payment. The payment amount was incorrect ( over $ XXXX ) because the PHH escrow analysis was incorrect. They had placed me on force placed insurance which was a mistake made by PHH and they required me to make the incorrect monthly payment. I expressed to them I did not want to pay more then I was due but they informed me this wasn't an option. The customer rep then decided to place me on a 3 month Forbearance while they did another escrow analysis. My new payment date was scheduled for XX/XX/XXXX. 

PHH reported me to the credit bureau 's on XX/XX/XXXX for not making a payment. This has impacted my credit score by XXXX points. I called PHH in XX/XX/XXXX to inform them of the mistake and asked that they correct the mistake with the bureau 's. PHH said they would open a work order and get the issue resolved. I called back on XX/XX/XXXX and said work order was closed and the issue was my problem because I had not made a payment!!!
Consumer complaint received 2024-05-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I am writing to bring to your attention a matter concerning an application that was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was a consumer transaction for an automobile for family-related needs and household goods. Before giving them my personal information, I provided the manager with a SSA 89 Form, and I told him that according to 18 USC 1605 I would only consent to all interests, insurance and extended warranty to be added to the finance charge.

The manager claimed that my credit was denied, but according to the Equal Credit Opportunity Act, denying me my credit is discrimination and violation of Title 15 Subsection 1611. I asked the manager if I could speak to the underwriter and I was also denied speaking to them, because he claimed I would get sent a letter in the mail.

As the Original creditor/private investor I extended credits based on 12 CFR Section 215.3 for the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits.

I am a victim of identity theft, because I gave XXXX XXXX XXXX  my SSN and they shared my personal information to a third party named XXXX XXXX XXXX, which I did not give any written consent to share such personal information. 

I was alerted by my credit reporting stating that I had XXXX hard inquiries, meaning that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pulled funds/credits from my Direct Treasury Account XXXX ( See attached ) Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance ; By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, they are fully in violation of the consumer rights. Therefore, they now hold civil liability for willful noncompliance.

Pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance ; Their negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. 

Due to the denial of my credits, I am stating that I want to retract my application due to XXXX XXXX XXXXXXXX denying me a portion of my unlimited credit. The application was for all sum charges amount of the automobile. ( See attached description of the XXXX and total amount. )
Consumer complaint received 2023-12-30
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 (NC)

on XX/XX/26 i contacted Capital One about 4 charges from XXXX XXXX XXXX that i was not aware of what they were. Cap 1 informed me they would contact XXXX XXXX XXXX and inform me of the result of the inquiry. I did not receive an email or phone call. This week i received from XXXX XXXX XXXX a past due notice for 2 of the 4 charges. I contacted Cap1 to see what their inquiry found and was told i was sent messages, but did not respond to them, so they closed the case. For some reason they paid XXXX XXXX XXXX XXXX of the disputed charges but not the others. 
i stated i had not received any communication. The customer service agent told me it would be online where i log into my account. She directed me and it took her over 5 minutes to find out where messages are placed. and she was very competent. 
no on ever told me i would constantly need to check online to see if they were communicating with me. 
this is deceptive and could be damaging. no one just places ( in this case hides ) messages on their site without telling the customer that a message has been sent and how to access it. othe companies either send an email detailing the situation, or one telling you to check your messages on the company site. 
Capital One should make sure customers are aware of communications and make it easy for them to be accessed.
Consumer complaint received 2023-07-17
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 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 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 XXXX XXXX
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Last month, my husband tried to deposit cash into our joint checking account. The teller, in my opinion sensing that he is an XXXX  who doesn't speak XXXX well, told him not to bring back cash again because it takes too much of her time. Last week, I sent him to the bank to withdraw {$20.00} in $ XXXX, and the teller there refused. 

Banks handle money, don't they? 

I tried to call the bank but only got a recording that they were too busy to answer.
Consumer complaint received 2023-07-17
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. (CA)

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 2023-07-17
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. (TX)

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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX Balance : {$8300.00}
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I Got Charged On My Chase Account From Something Random. & It Cost Money To Fix That? Thats In Inconvenience That I Didnt Cause Doesnt Make Sense How I Should Need To Pay? It Should Already Be Refunded To The Company That Charged Me
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

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. 

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 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 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 XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.
Consumer complaint received 2023-07-17
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. (NV)

My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative.
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XXXX XXXX XXXX, I went into the XXXX XXXX BANK OF AMERICA location to cash a check provided to me by an account holder of this financial institution. In my attempt to cash this check, I was then refused service and discriminated against by XXXX, an employee, and XXXX XXXX XXXX, the XXXX of this location because I exercised my federally protected right to privacy as a consumer. 

Please reference the attached documents for additional details.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX XXXX, XXXX XXXX and XXXX which lists 3 separate accounts.I will start with XXXX XXXX XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

in XXXX  i made fraud claims and none of them were taken care of i made one for {$500.00} and another one for XXXX that was made with my account i never received my money back i was also told that i would get the extra XXXX from becoming a new customer i never recived that either
Consumer complaint received 2024-04-17
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. (NV)

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I HAVE SENT DISPUTE LETTERS LAST XX/XX/. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY EQUIFAX, XXXX AND XXXX. 

Equifax : This account is not mine. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This personal information is incorrectly reporting : Incorrect Name - XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-17
Product: Credit reporting, credit repair services, 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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (OH)

Subject : Cease and Desist Unauthorized Credit Reporting Ohio FCRA Identity Theft Fraud Laws Reference Dear PLAZA SERVICES LLC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Ohio Fair Credit Reporting Act ( FCRA ) under Sections 1349.191 ( A ) ( 2 ), 1349.192 ( A ) ( 2 ), and 1349.193 ( A ), the Ohio Identity Fraud Laws under Sections 2913.49 and 2913.51, and other relevant statutes. 

It has recently come to my attention that PLAZA SERVICES LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as required by federal and state laws. The FCRA unequivocally mandates that the consent of the consumer is essential for such reporting activities under Section 1349.191 ( A ) ( 2 ).

Furthermore, Ohio state law, specifically Section 1349.191 ( A ) of the Ohio FCRA, underscores the necessity of consumer consent for credit reporting. Additionally, Section 1349.192 ( A ) ( 2 ) of the Ohio FCRA establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Ohio, such as Sections 2913.49 and 2913.51, emphasize the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PLAZA SERVICES LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PLAZA SERVICES LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1349.191 ( A ) ( 2 ) of the Ohio FCRA and other relevant state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the Ohio FCRA, state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PLAZA SERVICES LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. ()

Dear Sir/Madam, I am writing to formally lodge a complaint against Citibank concerning an unauthorized charge on my Citi Rewards+ Card. Below are the details of the issue : Citibank Checking Account Number : XXXX Unauthorized Transaction Amount : {$69.00} Transaction Date : XX/XX/2024 Merchant : XXXX XXXX XXXX On XX/XX/2024, my card was charged {$69.00} by the merchant XXXX XXXX XXXX. I did not make this purchase, and it appears that my card details were stolen and used without my knowledge. 

I filed a dispute with Citi Bank as soon as I noticed the charge, explaining that I did not make this transaction. Unfortunately, after their investigation, the bank concluded that the charge was my responsibility. This decision is not only unfair but also incorrect, as I was not in the United States at the time of the transaction. I am currently residing outside the country, making it impossible for me to have used the card for this purchase. 

The purchase was made to buy an air ticket from XXXX XXXX, which further substantiates my claim of fraud. It is clear that someone else used my card details without my permission. 

I am requesting the Consumer Financial Protection Bureau to intervene in this matter. The bank 's refusal to recognize this transaction as fraudulent and their insistence on holding me accountable for a charge I did not make is unjust. I seek your assistance in resolving this issue and ensuring that the unauthorized charge is removed from my account. 

Moreover, I am experiencing significant difficulties accessing the dispute summary file provided by Citibank. Every time I attempt to open the document through their website, I receive an error message stating, " Looks like this document is temporarily unavailable right now. Please try again later. '' This issue has persisted for an extended period, making it impossible for me to review or understand any information related to this dispute. I have attached Screenshot of this error along with this complaint.

The mishandling of this dispute by Citibank has caused me considerable distress and inconvenience. Given these circumstances, I respectfully request the Consumer Financial Protection Bureau to intervene and help resolve this matter. I seek your assistance in ensuring that Citibank acknowledges this transaction as unauthorized and issues a refund for the disputed amount. 

Enclosed are copies of my correspondence with Citi Bank, including my initial dispute and their response. I am willing to provide any additional information or documentation that may be required to support my claim.

Thank you for your attention to this matter. I am hopeful that the CFPB will be able to facilitate a fair resolution. 

Sincerely, XXXX XXXX