davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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: LD Holdings Group, LLC (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : LOANDEPOT.COM LLC XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX Balance {$300.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2023 After looking at my credit report, I noticed You are reporting irrelevant outdated information. 
My only address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX. 

My only name is XXXX XXXX XXXX Please remove any other address you Are reporting on my credit report as it is Not accurate relevant data. 

Due to recent find of identity theft I fear this false reporting address my also have affect on my identity being compromised. 


Thanks XXXX XXXX XXXX
Consumer complaint received 2024-04-21
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-15
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. (HI)

On XX/XX/XXXX, I received a fraud alert text where a transaction of {$330.00} was denied on my card. I am in XXXX XXXX XXXX so I reviewed the message once I awoke and confirmed with Chase bank that I did not make that purchase. They canceled my card and asked me to review my account for any other transactions that may have been made. I found XXXX transactions made under the same name for {$50.00} & {$43.00} with an exchange rate cost of {$1.00} & {$1.00}. The transaction was made in XXXX from XXXX XXXX. I flagged them as fraud and was temporarily refunded the money. My claim was then denied on XX/XX/XXXX. I called the customer service line requesting help and was told I could provide proof that I was not in XXXX XXXX and send it via XXXX XXXX XXXX Texas with a processing time of 10 days. I requested a different avenue of communication because according to the Chase bank Statement I received, my money would leave my account before the XXXX  day period of processing. On top of that, I do not have a car and can not get to a XXXX soon enough to mail proof nor print proof especially because my card is canceled. I was then given a fax number which I again tried to explain I dont have access to. I requested a phone number of the claims department so I could call once I gathered proof of my location. I was given the number : XXXX. I signed up for a free trial on XXXX. An app I have used for the past XXXX  months so I could review my location history. I took screenshots proving my location at the time of the transaction. I called the number I was provided which only brought me to the standard Chase number to review basic information of my account. I then called the help line again which brought me back to the same woman I originally spoke with. I asked to speak with someone else when she wouldnt provide another avenue to send my information. I was transferred to a man that informed me that I could upload my documents to the mobile app. I was thankful for this information but confused as to why that wasnt provided in the first place. It has since been added to my claim but no updates have been made and my account will be empty as of tomorrow XXXX.
Consumer complaint received 2024-05-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received an Amex XXXX XXXX. It arrived in an email from XXXX. When I follow the link in the email, the card number, expiration date, and CVV appear, and it initially showed a balance of {$500.00}. When using these details at XXXX, no field for CVV appears, but the card appears to work. When checking back a few days later, the payment has not gone through. On the amexgiftcard.com page, there are some confusing transactions. One is a {$.00} charge used to verify the card. The other says " Declined - Missing security code - XXXXXXXX XXXX ... ''. So far, there is no error message on XXXX ; it looks the same as if it's still waiting for the payment to go through. 

I also tried using the card at XXXX. In this case, there was a field for CVV, and filling out the details appeared to work. However, I quickly received an email from XXXX saying the payment was declined. The page for the card then showed many more transactions that say " Declined - Missing XXXXecurity code - XXXX XXXX  NC INTERNET FULFILLMENT ... ''. The order total was separated into XXXX amounts, and each amount appears 2 or 3 times. To reiterate, the CVV was supplied for the XXXX order. 

This has happened with previous AmEx XXXX cards like this as well, but I just dealt with it. Hopefully this detailed report will be helpful in correcting this issue.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (AL)

XXXX XXXX my car was repoed by credit acceptance saying I have an overdue balance of XXXX. I called XXXX ask them how is that possible when I was on bankruptcy. Bankruptcy discharged me in XXXX which I had no idea of because they claimed they couldn't get in touch with me thru mail XXXX didn't try to call me. Bankruptcy shows that they have paid almost XXXX on my loan with credit acceptance. So I'll have to pay XXXX to get my car back with and over due balance of XXXX XXXX sump.The car had XXXX on it but they charging me XXXX for a XXXX XXXX  when the car is only valued at XXXX.
Consumer complaint received 2024-05-14
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: CITIBANK, N.A. (CA)

XXXX XXXX Dispute Subject : Dispute of Charges - Account Number Ending : [ XXXX ] Dear Citi Card, I hope this letter finds you well. I am writing to formally dispute charges on my credit card ending in [ XXXX ], dated [ XX/XX/XXXX ]. The transaction in question involves the purchase of airline tickets through XXXX XXXX. 

On [ XX/XX/XXXX ], I made a reservation for airline tickets using my Citi credit card. However, upon receiving the confirmation, I realized that the tickets were booked for the wrong dates. Realizing the mistake promptly, I contacted customer service via phone to rectify the error and request a change in the travel dates. 

During the phone conversation, I was informed by staff that changing the dates was not possible, which left me in a predicament as I needed to travel on short notice. Faced with no other option, I had to make alternate arrangements through another agency, incurring additional expenses. They blocked the tickets, and I called, they later said they were unable to refund. 

Furthermore, during the interaction with customer service, I was asked multiple times to provide sensitive information such as the CVV number of my credit card via email. This request raised suspicion, as it seemed fraudulent to provide such information after the transaction had already been processed. 

Given the circumstances, and after careful consideration, I decided to dispute the charges as the service provided by the company did not meet the expected standards. Attached to this letter, you will find evidence of the email correspondence where staff requested sensitive information and proof of the incorrect booking. 

As a loyal customer of Citi, who regularly utilizes this card for business purposes, I am disheartened by this experience. Throughout our history of transactions, such issues have never arisen before. 

In light of these events, I kindly request a refund for the disputed charges to be credited back to my account at your earliest convenience. I trust that you will investigate this matter thoroughly and take appropriate action to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

LexisNexis is furnishing a bankruptcy to other consumer reporting agencies however, this information is unverifiable. XXXX has deleted this information from my report thus showing that it is inaccurate ( see attached exhibit ). So pursuant to section 623 ( a ) ( 1 ) ( A ) they now have a reasonable cause to believe that this information is inaccurate and they must delete it in order to comply with the Fair Credit Reporting Act. Additionally, since LexisNexis is also a consumer reporting agencies, they must also delete this item of information from their consumer report as it is inaccurate and unverifiable pursuant to section 611. I demand that this information gets removed promptly or I will seek legal action
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Grow Credit Inc (CA)

ACCOUNT NAME : grow credit ACCOUNT # : XXXX I HAVE SENT A LETTER XX/XX/year> ASKING FOR TO COMPANY NAMED ABOVE TO DO A INVESTIGATION ON THIS FRAUDULENT ACCOUNT OPENED IN MY NAME. YOUR COMPANY NEVER SHOWN PROPER PROCEDURE OF INVESTIGATION SO HOW WAS A INVESTIGATION DONE?. THERE IS NO PROOF SO THIS ACCOUNT MUST BE DELETED IMMEDIATELY 15 U.S. Code 1692e - False or misleading representations XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, CA XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (SC)

IQ DATA INTERNATIONAL continue to call me everyday after I've disputed and tried to cease all communication, but law 15 usc 1692c states that " If a consumer notifies a debt collecter that the consumer refuses to pay a debt the debt collecter must cease all communication. '' IQ DATA INTERNATIONAL also doesn't have my written wet consent meaning that account is opened fraudulently.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (CO)

I changed my hazard insurance on my home which is managed through an escrow account by CrossCountry Mortgage, LLC. I changed my insurance from a XXXX XXXX to a XXXX General policy. The XXXX policy renewal amount was for {$2500.00}. I cancelled that policy effective XX/XX/year>, and informed XXXX of my new policy via their web portal on XX/XX/year>. On XX/XX/year>, CrossCountry paid {$2500.00} to XXXX on my already cancelled policy. Then on XX/XX/year>, they paid {$1800.00} on my new, and current XXXX XXXX policy. I was waiting for a refund from XXXX so I could deposit it back into my escrow account. However, on XX/XX/year> CrossCountry paid {$2500.00} to the cancelled XXXX policy, an additional erroneous payment without my consent from my escrow account. An escrow analysis was then run on my account on XX/XX/year>, resulting in a {$6100.00} shortage, increasing my monthly mortgage payment by more than {$500.00}. On XX/XX/year>, I received {$5000.00} in refunds from XXXX for the erroneous payment by CrossCountry. I deposited that amount into my escrow account on XX/XX/year>. On XX/XX/year>, I called CrossCounty and requested a new escrow analysis to lower my monthly payment based on my escrow deposit. I did not receive any information related to an updated escrow analysis for more than XXXX weeks. On XX/XX/year>, I called CrossCountry to ask why no escrow analysis had been performed. I was told by CrossCountry that an analysis was requested on XX/XX/year>, but no adjustment was made because the Sate of Colorado indicated there was still a ~ {$1000.00} shortage to my escrow. I informed CrossCountry that I repaid the refunded insurance policy amount in order to significantly lower my monthly payment, despite understanding that there would still be a shortage. This shortage is due to both property tax increases as well as the new insurance policy being more expensive than the cancelled one. I was informed that a new escrow analysis was requested and I would hear back in 3-5 days. I have an upcoming mortgage payment on XX/XX/year> which is {$3000.00}, due to an escrow shortage that no longer exists on my account. I can not afford this payment, and it can be lowered by a properly and timely escrow analysis, as I have requested. I feel that CrossCountry Mortgage, LLC is performing escrow account abuse by failing to dutifully act as a fiduciary of my escrow account via multiple erroneous account disbursements and failure to promptly help to rectify the balances.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I drove down to this dealership to test drive a car, following an appointment set with XXXX. After saying I was interested in it, XXXX and I went into the financing office and started paperwork on the car. I stated I would be paying {$5000.00} down in check, and would be signing the electric vehicle tax credit over to the dealership to add an additional {$4000.00} to the down payment for a total of {$9000.00}. The agreed sale price on the Buyer 's Order is {$13000.00}, minus {$9000.00} as a down payment, leaving a balance due of {$6100.00}, once taxes and dealer fees were accounted for. I filled out and was approved for a loan with Huntington bank for {$6300.00}. XXXXXXXX XXXX manager ( do not recall his name ) had to come in to process the form XXXX for the IRS tax credit and reviewed that for the same {$13000.00} price to submit to the IRS. After finishing all the paper work, I accepted delivery of the car and drove it back home. On the XXXX, XXXX called and said the price of the car was actually {$17000.00} and that I needed to sign new paperwork/loan application to accept this new price, which also has a higher interest rate. Having read about Yo-Yo scams , I asked for more clarification on the situation but only got a response from XXXX of the price being wrong and wanting me to sign the new paperwork, without any of my questions answered. I had previously checked and confirmed the loan balance, but called in again today to ask for a copy of the bank 's paperwork to find that the loan had been cancelled without my approval, but the Huntington bank representative could see any indication of a reason. Huntington bank provided me with a copy of the approved loan paperwork that the dealership submitted to them.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with MAZDA FIN SV and my goal is to maintain the relationship weve built over the past 7 months. I recently pulled my XXXX, XXXX, and XXXX credit report and discovered I have a late payment that was reported in XXXX and XX/XX/2023 for my MAZDA FIN SV Credit Card. During that time period, I had a medical emergency due to XXXX. I mailed MAZDA FIN SV several letters informing them of my financial hardship at the start of the XXXX XXXX  Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX  I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my MAZDA FIN SV account. 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX pandemic has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX pandemic on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments.

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the XXXXXXXX XXXX  and to provide relief to individuals affected by the Coronavirus pandemic. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The CARES Act requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the Cares Act.

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account XXXX : XXXX Late Payment Date : XXXX and XX/XX/20XXXX XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NJ)

I sent a debt validation/verification notice to comenity capital bank as I do not believe that this debt is mine. If they believe otherwise then I demand that they send all of the requested documents or delete this item of information from my consumer report
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (TN)

This is an invalid account. I have never done any business with this company ; I have never been made aware or presented with a notice of debt to dispute the validity of this account. I have disputed this account several times and the company can never provide a contract and or repayment agreement in which I signed with them. This company was given my information illegally. Not only does this company report a balance for something unknown, the original creditor ( Exeter ) is also reporting a balance owed ( that actually is not because the vehicle was sold in an auction for more than what it was worth ). This creditor can not produce an itemized bill stating what this balance is for. I will not pay something if I don't know what it is for. The original account has been closed so it should no longer be reported.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (TX)

There are several information list on my credit report and address that are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX, ca XXXX. These addresses are not correct they were made in fraud. I never lived there before and they need to be removed from my credit report. XXXXXXXX XXXX XX/XX/year>, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, genesis fs card services XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX genesis fs card services inc , XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these items are fraud i never applied and never lived at these addresses listed.