davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

This has been on going since the beginning of 2023. 
Some of my payments go to the balances shown online. Some of them go to an unknown balance from an unknown purchase. Currently my current balance is XXXX. Yet when I count up my standard purchase accounts, the total is XXXX. These accounts accrue interest monthly, which is typically reflected. The problem I have is why does my balance show XXXX, yet my accounts total XXXX? I get the run around when I call and get different answers. Yesterday they told me it is from a promotional balance that wasn't fully paid off. But none of that is reflected on my account page. 
Previously when I had promotional accounts, the last XXXX months of payments before the promotion expires, the payments are supposed to go directly to the most recent due promotional account. Minus the minimum monthly due. They have not applied 50 % of the past years worth of payments correctly. When I call to have them allot the payment to that specific promotion ( which it's in there rules to do ), they do not apply it correctly. Causing me to have to email them to fix it. If they don't fix it, I would be late in paying that account on time and charge me interest. 
90 % of the time I call, they try to gaslight me and never give me the same information. I am paying off my balance today so that I do not have to deal with this fraudulent company again. I want other people that deal with Synchrony Bank, to verify your account monthly. Because they will take advantage of you any way they can.
Consumer complaint received 2023-02-28
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: Nelson Cruz & Associates LLC (GA)

XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$79.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AAMOUNT {$300.00} XXXX XXXX XX/XX/XXXX AMOUNT {$300.00} NELSON CRUZ & ASSOCIATES XX/XX/XXXX AMOUNT {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Consumer complaint received 2023-02-21
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)

Hello. My name is XXXX XXXX. I have a personal account with JPMorgan Chase & Co. On XX/XX/XXXX my account was charged total of {$31000.00} from XXXX XXXX XXXX. Total of XXXX ACH transactions were made. However, I never authorized any of them!!! I called the bank ( Chase ) immediately and let them know that I never authorized those transactions. Let me also mention that I called them immediately the same day after those transactions were made. They told me they will give me a temporary credit as they also did not share my account 's information. Later, they asked me to come to a branch and sign a " Statement of Dispute ''. I did that and faxed it to them. Today, I called again to find out why they have not provided the temporary credit because these are tough times and I desperately need that money. They told me that the investigation is closed and they won't do anything more. I even tried to contact that merchant but they keep transferring me to somebody else. In the past, I have provided a service for that company and they paid me with XXXX transactions. I do not know why and how they charged me back without me giving any consent or authorization.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

I purchased a Toyota in XXXX, and use the Toyota motor credit corporation to finance it. The long was paid off in XX/XX/XXXX, and this is confirmed by Toyotas records. There still is a lien on the title in the state of Colorado. A week ago we requested a release of lien and they said they would mail it on Tuesday. We called them today Friday and they can not confirm that its been mailed yet. They refuse to email copy, and they refused to issue a second version. I dont know why the release of lien is not automatic when a loan is paid off and I think this is a law that should be changed. I believe the letter in XXXX, stating that the loan was paid off was sent to an old mailing address yet we were never contacted in any way that the letter was not received.
Consumer complaint received 2024-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is a follow up to my other opened complaint regarding a delinquency which suddenly appeared on my TransUnion credit report. I did initially not recognize the credit Union which reported the delinquency in XXXX. It turns out my old credit union merged with XXXX XXXX hence the name change. Irrespective the delinquency occurred over XXXX XXXX ago as you can see the loan was taken in XXXX. The XXXX XXXX initially occurred in XXXX so why is it just now be reported again some XXXX XXXX later
Consumer complaint received 2024-02-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (OH)

This is a formal complaint that Santander consumer USA placed a charge off on my consumer credit report without providing validation information under 12 CFR 1006.34B5 but yet they placed a collection or a charge off on my consumer report also they have not given me a chance to dispute this account according to 12 CFR one 006.34C4I collection agency or creditor is violating my right by using false and misleading misrepresentation and deceptive means this collection agency or creditor, has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34D and 15 USC 1681S27A also I am disputing only any and all debt to them and I am revoking my rights of communication with me through email text and calls. Also, I am requesting validation of this debt and the original agreement. Also I am requesting that they furnished proof that they are licensed and bonded.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason FirstMark 's systems have placed my current address to an address I have not lived at in central Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX FirstMark disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet Firstmark has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. Firstmark may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.
Consumer complaint received 2023-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

1. This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation
Consumer complaint received 2018-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, 2018, I disputed a 30 day mortgage late inaccurately reported on all 3 credit reporting. The dispute resulted in the deletion of the 30 day late by all 3 credit reporting agencies. 

On XXXX XXXX the 30 day late was reinserted into my credit file by Trans Union only. From that date until XX/XX/XXXX, I was never informed in writing by the mortgage provider ( XXXX XXXX XXXX ) or the credit reporting agency of the reinsertion. On XX/XX/2018 I informed Trans Union of the reinsertion and subsequent non-notification. Trans Union subsequently removed the 30 day late for the 2nd time. 

On XX/XX/2018, Trans Union AGAIN reinserted the 30 day late into my credit file. On XX/XX/2018 I have not been informed in writing of the reinsertion by XXXX  XXXX XXXX XXXX Trans Union.
Consumer complaint received 2024-02-15
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. (IN)

Subject : Follow-up letter-Rmoval of Disputed Account From Credit Report. 
Dear Equifax Credit Bureau, I am writing to follow up on my previous correspondence dated XX/XX/2023 of my initial dispute regarding the removal of disputed accounts listed on my credit report. It has been way over the time frame specified by the FCRA for the resolution of such disputes. In my initial dispute letter, I provided detailed information and supporting documentation to demonstrate that the accounts I disputed is inaccurate and should be removed from my credit file. This is the fourth reinvestigation Equifax has did and did not produce any documentation or any signed contracts bearing my signature on it, no documentation of the validity or verification process I requested, which is a violation under the FCRA law. Shall be removed. I did not give my consent or authorization for XXXX XXXX or XXXX XXXX XXXX to run my credit report. I have no business dealings or a relationship with XXXX XXXX XXXX. I did not sign a contract with them. I understand that the FCRA mandates a 30-day investigation. It can take an extra 30-days if the consumer gives the Credit Bureaus additional information which I did not do for the resolution of disputes, during which the Credit Bureaus is required to contact the creditors and verify the accuracy of the reported information. It is now over the time frame since I last filed the dispute, and I have not received any response or communication regarding the fourth reinvestigation. As a consumer, I value the accuracy and integrity of my credit report as it directly affects my financial well-being. The extended time has elapsed since my last initial dispute. I kindly request the removal of disputed accounts promptly under the FCRA Laws. If necessary, I am prepared to exercise my rights under the FCRA, including escalating this matter to the regulatory authorities and seeking legal remedies to assure the removal of inaccurate information on my credit report. I urge Equifax to treat this matter with such urgency and promptly address the dispute in accordance with the FCRA guidelines. I expect a timely response within 15 business days of receiving this letter. Thank you for your attention in this matter. I look forward to your prompt and resolution in this matter. 
XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (FL)

Complaint : - Period between XX/XX/2023 - XX/XX/2023 ; I had XXXX fraudulent charges range {$0.00} - {$2900.00} totaling {$10000.00}. I got {$6700.00} reimbursed, and {$3200.00} was never credited back to me. 
THIS IS WHAT IS MISSING XXXX I have looked into the Fraud Charges on : - DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} HOWEVER, I WAS CREDITED FOR XX/XX/2023 FOR XXXX and {$2100.00} AND NO CREDIT FOR XX/XX/2023 FOR {$1000.00} AND XXXX TOTAL {$3200.00} Background : - I was never notified of these fraudulent charges and I called the bank on XX/XX/2023 to report. The bank acknowledged the problem and did not give me any explanation who used it, and why I did not get notified of fraudulent activity. For example, if I purchased anything by website, then I get notified by email that " CARD NOT PRESENT. '' This is the way Truist Bank always tells me. For the above XXXX transactions NO such notification was given. 
Proof : - see statement attached I have called and called, visited Truist Bank Braches and no one has given me any resolution. NOTHING in writing, why {$3200.00} not given credit. 
Whenever I call the XXXX and you get to the part " push if you already have a pending dispute '' THEY HANG UP.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ID)

I am writing to address an issue I have encountered while attempting to create a new account on MOHELA 's recently migrated loan servicing platform. As a borrower of federal student aid loans, I have found that the platform 's forms do not recognize my email address 's XXXX, which is " .XXXX ''. The error message states, " Your Email Address format must be XXXX ''. It is important to note that I have used the same email address with the " XXXX XXXX XXXX  on the previous MOHELA platform without any issues for several years. 

It is my understanding that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is responsible for managing and coordinating the Domain Name System ( DNS ) to ensure that all valid XXXX are recognized and supported globally. My custom TXXXX XXXX XXXX XXXX  is indeed a valid XXXX recognized by XXXX XXXX Therefore, it should be accepted by the new MOHELA platform. 

I am unable to proceed with creating my account as required, which directly impacts my ability to manage and pay my student loans. I have contacted MOHELA customer service on multiple occasions and spent considerable time on the phone seeking a resolution. However, the proposed solution of creating a new email address is not feasible for me. 

I urge MOHELA to recognize and support all valid XXXX recognized by XXXX to ensure a seamless transition for borrowers. I believe that ensuring compatibility with all legitimate XXXX  is crucial to upholding the accessibility and functionality of the new loan servicing platform for all users. 

I kindly request your assistance in forwarding this matter to the appropriate department within MOHELA for resolution. I truly appreciate your attention to this important issue as it directly affects my ability to fulfil my financial obligations. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DC)

My chase account was closed on XX/XX/XXXX and there was a balance of around {$26000.00}, but I haven't received the check. I called Chase almost once a week to follow up with the situation and every time they said there were no updates and the reasons for closing the account were unknown. When my account was first closed, they said my check would be shipped in XX/XX/XXXX, but now it is almost XXXX and they still did not give me any updates or explanations.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P. (NV)

XX/XX/2019 -- - Signed one year lease. 

XX/XX/2019 -- - failed to disclose 3rd party and fees. 
Receipt from 3rd party. 
Attachment XXXX MOVE OUT STATEMENT A. Attachment XXXX. 
1. Charged for utilities twice. I paid utilities directly. 
( a ) Attachment XXXX 2. Charged for smoke damage. 
( a ) I lived there for 8 years and cooked everyday.
Consumer complaint received 2023-02-27
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: EQUIFAX, INC. (LA)

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections 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
Consumer complaint received 2023-09-22
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. (CA)

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 customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-04-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OR)

XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to Transunion, XXXX and XXXX about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I never had a auto loan with XXXX. XXXX states i have a vehicle loan for {$66000.00}. I have the title for the vehicle in question, i have a letter from XXXX removing the fraudulent XXXX on the vehicle, and have a recording from XXXX stating I never opened a loan with them.