davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (MD)

Ok we're back to trying to get Equifax to remove the credit providers report from my wife 's credit report. The providers report has already been removed from all four my credit reports and on three of my wife 's credit reports. We have provided the signed request from XXXX XXXX that indicates they asked this in a letter dated XX/XX/2021. We have sent nearly an half dozen complaints to get this problem solved, with there already being four complaints already sent to Equifax, who is the last credit reporting agency to remove the account with it still being on my wife 's account to this day. They have twice responded that an action was taking and an email was sent to us to show what action was taking. In those two last responses, the account is still present on the Equifax reporting only of the four reporting agencies. The letter indicates that the item is not showing with the second letter showing " THIS ITEM HAS BEEN DLETED FROM THE CREDIT FILE '' But when checking this for ourselves, the account is actually still there ( Not removed ). The listed previous complaints : XXXX - XXXX - XXXX - XXXX all seem at this point show that Equifax has no intent on removing the providers credit report from my wife 's credit file. 

I had also attached in some of the listed ( numbered ) complaints one of the letters the provider sent me that they had sent to request that all four credit bureaus to remove the account from our ( my wife and my self 's ) credit report, but for some reason and some months since the XX/XX/2021 letter from the credit reporting company 's request, that Equifax has for the past three months has failed to remove the credit account from my wife 's credit reporting, though the other three credit bureaus and Equifax has already removed this from my credit reporting, and that the other three credit reporting agencies has also honored the credit providers request to DELETE the account, with only EQUIFAX not honoring this request. So we've ben told to open one more complaint asking Equifax to DELETE the credit providers XXXX XXXX account.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Complete Credit Solutions, Inc. (GA)

On XX/XX/2021, Complete Credit Solutions reported an invalidated account to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). Complete Credit Solutions has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), XXXX XXXX XXXX is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Dear XXXX Equifax has continuously denied me a free annual credit report, fort 3 years now XXXX XXXX and XXXX instead of mailing my free annual credit report, they mail me a letter saying that according to their records they have already provided me, in the last 12 months with a free annual credit report, which is inaccurate.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Corp Solutions Inc. (FL)

i demand this collection account be removed from credit report ( CREDIT CORP SOLUTIONS IN XXXX ). Per law 15USC 1692g, as the original credito only i can validate this debt, i do not validate this debt
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Care Credit Card on XXXX-2021 and was approved for {$9200.00}. Using my current information for home and employment. The next day I looked online and now there is a block on my account. I called in and the customer service rep told me there is a block on my account for fraud. Mind you this is the next day after I applied for the card so there have been NO TRANSACTIONS on the account. She told me I have to mail in my drivers license and a utility bill to a PO Box address. This is a complete SCAM! I have never had Fraud in my name and there is no Fraud with this account. 

The same thing happened to my wife who applied for Care Credit a couple of months ago. She sent her documents to their PO Box and then they closed her account that had no transactions. There is no Fraud, the only Fraud is Synchrony Bank who has thousands of complaints online. The only reason people apply for Care Credit is because it is a medical credit card for medical procedures. Synchrony Bank is a FRAUD! They checked my credit and approved me for a card and then they block it claiming fraud? The CFPB needs to fully investigate this bank for their predatory lending practices.
Consumer complaint received 2022-02-20
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: FIRST HORIZON BANK (NC)

On XX/XX/2022 and XX/XX/2022 I sent a formal request to First Horizon Bank for validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local NC laws regarding evidence that I have a contractual obligation to pay them the {$19000.00} auto loan that they are reporting to all XXXX credit bureaus under my social security number. 

Both times I sent the request, I received a letter back stating that they can not verify my identity although I have provided them with my full name, address, and social security number. Instead of First Horizon Bank doing the proper due diligence to investigate their violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they are stalling and are not conducting a fair and proper investigation. Under the FCRA & FDPA if they can not validate the debt that they are reporting, they must request that all XXXX credit bureaus delete the entry. By failing to do so, they are in violation of the FCRA & the FDPA. 

I have attached a copy of the listing on my credit report, and can provide a copy of the letters that I have sent them upon request.
Consumer complaint received 2021-06-16
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. (MD)

I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / TransUnion XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, XXXX, and Transunion have no regard for.
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (GA)

Ally was paid off by my insurance I was in hit run my car got totaled out. I am trying to get new car but ally still on there they need to say paid off I have called twice and emailed them I need help. XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I have had issues with Amerihome Mortgage Company over 3 different times where we made a payment and it didn't reflect on our end to show the payment was made. They would misapply the payment to either escrow or deferred balance but not to the principal loan which is how each payment was clearly made.They have been playing games with my mortgage balance and I have to call numerous times each time just to get my issue resolved. Please I am begging someone to help me. I have asked this mortgage servicer to sell my loan to some other company who is more responsible.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

We had a mtg with Seterus. They sold it to Mr. Cooper and we found out there were 33more years on th mtg. We already been paying for 7 years and we thought we had taken a 30 year mtg and also thought we had credit life. Neither of this was true. At our age I would never have signed a 40 year mtg. We tried to contact Seterus to no avail. I am tired of getting run over y companies. This is the 2nd complaint I have sent to you and no response from you either. Please let me know something. I await your response. XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-06-16
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: ALLY FINANCIAL INC. (WA)

I purchased a XXXX XXXX through Ally Bank last XX/XX/XXXX. Which I was diligently paying for. On XX/XX/XXXX. There was a payment made of {$13000.00} as shown on my online account portal. My husband has habit of paying my loans so the activity did not surprised me. That left me with {$420.00} loan amount with Ally that I paid for on XX/XX/XXXX. This closed my load with Ally Bank. 

Ally Bank sent me a copy of the receipt via email and mail few weeks after that. I was very patient with the obtaining the title because of pandemic, I feel that XXXX  was closed for a time or having delays. 

I called Ally around XX/XX/XXXX and followed up the title and found out that they made a clerical error on their part and that my car is not supposed to close. Now, XX/XX/XXXX. They reopened my loan and told me to pay {$15000.00}. My car does not even costs this much anymore after more than a year of closing my loan. I recently receive a repossession letter from them. 

I feel that it is not right for me to salvage them and pay for interest because Ally did a mistake on their part and now taking my car and damaging my good credit score. This is a scary mistake that Ally created and consumer needs to pay.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Me and my Spouse have similar first name with different last name. Transunion keeps messing up our credit report. When we applied the mortgage, the credit report show that my spouse doesn't have any accounts under Transunion and her credit score is XXXX, and some of her accounts and loan is under my credit report. Called Transunion few times, they use MY name and date of birth under Her SSN. She tried to file dispute and mail all the documents they required ( copy of SSN and driver license ) to them, and I called them to dispute the accounts which do not belong to me. Two weeks later, my spouse called them to confirm they have received the documents, and dispute the accounts which do not belong to her ( should be under me ). And when I called to check the status of my dispute, they said there is no dispute case under my name, and I don't have any accounts and credit history under my name and SSN. My credit score is XXXX and I can not even see my credit information from Transunion website ( which I specially paid for this issue ), and I couldn't even log in after few hours later. Provided all the information again, and they submitted a " CASE '' and need me to call back for another 5 business days and " hope '' to get it corrected.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/23, I contacted Bank of America to dispute a transaction in my business checking account. The bank sent me an Unauthorized Return Form to complete and send by email or fax. I asked for a more secure method to transmit this data as the form requires financial and personally identifiable information. The bank does not have an exception policy and will not process my request unless I transmit my data in the clear via email or fax. I am uncomfortable with using an unsecured means to transfer information.
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC. (FL)

Ally auto loans paid it off on XX/XX/2021 said i had to wait 10 days for the title and lean relese called monday the XXXX and the lady said i get in 2 day and now the lady said now 7 to ten day they are scamming the carbuyers they got there money and now they they dont care about sending the title
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I LOOKED AT MY CREDIT REPORT TODAY, AND TRANSUNION SHOWS FROM THE MORTGAGE COMPANY, XXXX MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE XXXX UPDATE ALL CREDIT REPORTS TO REFLECT MY XX/XX/XXXX PAYMENT.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX  XXXX Account Number : 16** Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Consumer complaint received 2021-06-16
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. (PA)

The following account does not belong to me. I have reached out to XXXX, Equifax, and XXXX  several time via mail in reference to this matter. 

XXXX  XXXX XXXX acct # XXXX amount- {$420.00} XXXX XXXX Acct # XXXX amount- {$770.00} XXXX XXXX XXXX Acct # XXXX amount- {$250.00}
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

( 2 ) XXXX XXXX XXXX  Account XXXX Is reporting I had ( 2 ) day lates which is not accurate I asked the credit bureaus to verify and they did not
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have contacted Equifax multiple times regarding inaccurate public records showing on my credit report. I sent a method of verification on XX/XX/XXXX. On XX/XX/XXXX I submitted another letter to Equifax requesting an investigation and i have not received a response from them or any notice that they have started an investigation. Equifax stated that they obtained information through a third party vendor XXXX XXXX Data Solutions ''. I contacted XXXX by sending a method of verification on XXXX. XXXX was unable to verify the information requested, As a result, XXXX Subsequently removed bankruptcy record on XX/XX/XXXX. 

I attached all the letters showing multiple attempts.
Consumer complaint received 2021-06-16
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: JPMORGAN CHASE & CO. (CT)

please review the following accounts that are reported on my credit report, without any authorization Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

. Identity Theft XXXX  Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XX/XX/XXXX, I reported unauthorized transactions to my Chime credit card account in the amount of {$1200.00}. I provided all documentation requirements as well as submited emails from merchant detailing the unauthorized use of my account. The company accepted one charge out of the ten as fraudulent and denied the rest of my claim. The company was supposed to issue documentation used in making their decision but failed to send anything to me.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (OH)

On XX/XX/XXXX I received a text saying that the phone number I linked to my Gemini account has been removed. After seeing this I attempted logging in to fix that and I was unable to do so. I tried getting in touch with a Gemini representative of some sort and was not able to. On XX/XX/XXXX XXXX dollars was withdrawn from my bank account and I am frantically trying to get that fixed.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I found 13 unauthorized ATM transactions on my Netspend online account review. Please note that every transaction listed happened while I was at work with the only card on the account in my wallet. I will list them all so you have history. I will not agree with their findings and filed a police report and was assigned a detective. 

Posted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d Credited XXXX XXXX $ XXXX atm fee Credited Posted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX Bal Inq Credited $ XXXX w/d $ XXXX atm fee $ XXXX w/d $ XXXX atm fee $ XXXX w/d XXXXXXXX XXXX $ XXXX atm fee The total not credited is {$910.00}. I filed a dispute with Netspend and they have determined that they find no errors with the activity based on the PIN used and previous transaction history. I have a detective trying to obtain a search warrant for atm video but XXXX XXXX is requesting the card number used to obtain the search warrant and Netspend will not release the card number issued to me stating that I need to have legal counsel contact their legal department for that. After over a month of contesting their findings and pleading my case they have closed the dispute and I am still out {$910.00} that was fraudulently taken from my account. 

Please contact me with any futher information you may need. 

Thank you, XXXX XXXX