davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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: DISCOVER BANK (MA)

I ordered a XXXX XXXX XXXX XXXX XXXX from XXXX. On XXXX XXXX it arrived. It comes boxed up and wrapped. Upon unboxing and unwrapping, I found the bike to be damaged and beat up. I brought this up to the vendor and they had nothing to say. I then assembled the item and it did not work or turn on anything. The bike was certainly pre-owned or used as a parts bike as I had multiple professionals take a look. It cost me over {$1000.00} in parts and labor to even make it close to working correctly. 

XXXX claimed I was buying a brand new bike with a XXXX warranty. I GOT NONE OF THAT. They also have stopped responding to all emails since I left bad feedback on their google page. 

I opened up a dispute with DISCOVER in hopes of rectifying this issue. I provided Discover with every single email, along with them responding to others saying they " Have a 3 month warranty no questions asked '' I provided Discover with 20+ documents. 

Then XXXX responded to Discover with what appeared to be an illegible written note. Discover ruled in my favor. Then about 3 weeks later I checked the dispute and Discover ruled in the merchant 's favor and they refused to talk to me or provide any evidence. 

I tried explaining to discover that yes I received AN ITEM but not what I purchased. I received something very different that cost me A LOT of money. 

XXXX actually emailed me saying that since i left bad feedback on XXXX, they were no longer going to help me or provide any credit. 

Their warranty states i should be credits for PARTS AND LABOR. 

Discover now will not respond to me or provide me with any additional information. They also will not let me appeal the decision I was defrauded by XXXX and now the same with Discover. They will not listen to me, help me, or hear my side of the story. XXXX was allowed to submit handwritten evidence that could not be read, and then was given another 30 days to respond, but discover ends online chats early with me and ignores me on everything. 

This should seriously be investigated. 

I would challenge XXXX  with a 93A violation in the commonwealth of Massachusetts.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (GA)

15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLC is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This hard inquiries doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (CA)

I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 %. For several months, I have been trying to dispute negative accounts from my credit report, several times. 

In accordance to Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when several inaccuracies are shown on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are the negative accounts : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$170.00} I attached the latest dispute letter I have filed a complaint against bureaus and creditors.
Consumer complaint received 2023-07-07
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. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I requested bank statements from Bank of America from XXXX to XXXX they refuse to give them to me due to the fact that they know that there was five committed on the account that I have complained about and they would not give them to me they sent me XXXX through XXXX even though I didn't order those and charged me {$180.00} they still owe me {$590.00} from the last claim that claimed they didn't give that back to me either they gave me {$2500.00} of the {$3000.00} owe
Consumer complaint received 2023-09-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advance America, Cash Advance Centers, Inc. (MI)

After borrowing the money, two days later they sent the check to my bank, I tried talking to them of their mistake, they ignored me and my account was closed due to this problem. 
in the end I lost money, after I started receiving phone calls like crazy I asked them to stop but they didn't. long story short this eventually ended up on my credit report as a debt not paid.
Consumer complaint received 2023-09-11
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. (LA)

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 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

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.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CT)

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ALLY FINANCIAL Inquired on XX/XX/2021
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing this letter to formally dispute the late payment entries on my XXXX account XXXX with account number XXXX. I am deeply concerned about the inaccurate and detrimental reporting of these late payments, which has negatively affected my credit history and financial standing. 

I believe that these late payments have been reported in violation of the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention the specific FCRA laws that pertain to this dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) - Reporting Accurate Information : This section mandates that consumer reporting agencies, including creditors like XXXX XXXX XXXX XXXX must provide accurate and complete information to credit reporting bureaus.

2. FCRA 611 ( a ) ( 1 ) ( B ) - Timely Reporting : According to this section, information furnished to consumer reporting agencies must be reported in a timely manner, ensuring that outdated or erroneous information is not included in credit reports.

3. FCRA 623 ( a ) ( 2 ) - Duty to Correct and Update Information : This section requires creditors to correct and update any information they have reported that is found to be inaccurate or incomplete.

4. FCRA 623 ( a ) ( 8 ) - Procedures for Disputing Information : The FCRA grants consumers the right to dispute any inaccurate or incomplete information on their credit reports, and creditors are obligated to investigate and rectify such disputes. 

I would like to emphasize that I have consistently made payments to XXXX XXXX XXXX on time, and any reported late payments are erroneous and misleading. These inaccuracies are damaging my creditworthiness and affecting my ability to secure loans, mortgages, and other financial opportunities. 

I hereby request that Equifax promptly conduct an investigation into the inaccurate late payment entries on my account, in accordance with FCRA 623 ( a ) ( 8 ). I expect a thorough and timely response to this dispute as mandated by law.

Failure to correct these inaccuracies within the required timeframe will leave me with no choice but to pursue legal action to protect my rights under the FCRA and seek damages for the harm caused to my creditworthiness and financial standing.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CT)

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXX ( badge # XXXX, XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX  to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number # XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least XXXX banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the XXXX for possible investigation into foreign money laundering. 

The XXXX person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within XXXX hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within XXXX minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the XXXX " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.
Consumer complaint received 2016-03-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage XXXX XXXX XXXX XXXX Tx XXXX are not provide homeowners with prompt, regular, and accurate information about their mortgage loans statements before XX/XX/XXXXbsince the life of the loan beginning XX/XX/XXXX. Under the new federal rule, which went into effect on XX/XX/XXXX, mortgage servicers must send monthly statements ( there are some exceptions ) that contain detailed information about your payment, delinquency, and who to contact for questions. I have called three times regarding statements not being sent timely. I have to waste printer paper and ink to print my payment coupon. The also have a pending class action suit.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (ME)

Hello. I am desperate. 
I filed my taxes on XX/XX/XXXX, was approved for the refund advance through Credit karma and upon checking if it had been deposited I saw that my account was closed.

I reached out to credit karma and provided them all the documents they needed to mail a check to me ( ID, SS card, mail with my current address ).

They still havent sent my check. I call/ chat/ email them everyday. I have had a case number that Ive provided each time and they give me the same answer every time your case has been escalated someone will reach out Via email When they reach out via email, which is only about XXXX XXXX a week, they always give me the same story they are waiting to hear from Their bank of records and the request for your check to be sent has been sent to our bank Of records I am waiting for my check for {$3800.00}
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

In XXXX Citi Bank closed my account without any explanation and i had a balance of {$710.00} in the account. Citi claimed that they mailed me a check of the remaining balance to my adddtess on XXXX. I called back after 14 business days as I never received the check. On 4 different occasions, a representive told me that they emailed the department who issues the check and as of XX/XX/11, no new notes have been added. Citi has not been transparent throughout this process and no one on their security or speciality team has been able to assist me over the phone. The department who issued the check can not b reached by phone so i am not getting any feedback on whats happening with my funds. This has been extremely frustrating as my account has been closed for 2 months and still havent gotten my funds.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, fraudulent activity appeared on my Amazon Synchrony credit card. I noticed 4 fraudulent charges and notified the company of these. 2 of the 4 charges have been removed and the company has been notified numerous times with no change in my balance. Now a late fee has appeared on my credit card statement. I am concerned that this company will report this activity to a credit card agency that will result in a ding to my credit.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc. (CO)

I have disputed this a few times. The last one was around 6 years ago. They said because I started paying again on the loan it was like admission I owed it. They harassed me for years. I was a young single mother. Ive had health issues for years. Ive worked several jobs to provide for my daughter and myself. I did take out one parent loan for my daughter when she was is college. I was paying separate on that one and they talked me into combining the two before covid. Interest is high. Years of payments are missing besides the fact it was dismissed several years ago. I have paid the loans with all my payments throughout the years. Which really should not have been owed after the court accepted the bankruptcy. Its been a life long mess. I dropped out of school at the time because my XXXX XXXXXXXX XXXX XXXX in front of her XXXX  at her office. My new husband had just moved overseas. I was alone. Im now about to turn XXXX. Cant work. More XXXX XXXX and other medical issues and still have this problem. Please help
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

Hi, i have been trying to contact Edfinancials customer service for a week now to no avail. i paid my loan not knowing about the XXXX program and how I could benefit from it. i frantically wiped my savings thinking my payment was due soon, but it turns out the due dates were not accurate. i called to cancel my payment so that I can apply to XXXX  but they have not answered calls, emails, their chat does not work. I cant get a hold of anyone. this is a whole {$25000.00} and its a shame I can not get an answer for my calls and I can not speak to anyone.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Duty pursuant to the FCRA, it is XXXX to be reporting correct and accurate information on my credit report and file, however they are NOT. XXXX is reporting 1 inaccurate late payment for the Infiniti Financial account ending in XXXX. These include a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.