davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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. (SC)

I HAVE DISPUTED THIS ACCOUNT NUMUROUS TIMES WITH XXXX XXXX XXXX XXXX XXXX ASK THEM TO PRODUCE INFORMATION ON HOW THEY VERFIED THIS ACCOUNT, IT HAS BEEN MONTHS AND THEY HAVENT RESPONDED OR PRODUCE ANY INFORMATION.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Please be aware that I have contacted your company SEVEN times, In my previous complaints and cfpb complaint # XXXX I inform your company about a few inaccurate information on my consumer /credit report with your company my request to suppress and block inaccurate information, Your company responded on XX/XX/2022 : In order to process your request we need clarification regarding your dispute. We sent you a letter to request the name of the specific item, the reason you are disputing it and included instructions on where to send it. 
And your NON-MONETARY RELIEF response was : In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address ALREADY REFLECTING ACCURATELY Completely ignoring my Complaints, disputes and attachments this unjust system Ive been dealing with for 3 years XXXX XXXX SERVICES Account number XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX EXHIBIT D : ATTACHMENTS
Consumer complaint received 2022-11-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

FRAUDULENT MISREPRESENTATION, XXXX  VIOLATIONS, FRAUDULENT CONVEYANCE, THEFT, IDENTITY THEFT, MISUSE OF PERSONAL INFORMATION BY XXXX XXXX XXXX XXXX, XXXX ;
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the record reflecting a chapter XXXX bankruptcy that is over 5 years old last month with XXXX   and Transunion ( Docket # XXXX ) however Trans union states that according to federal law they can report Voluntary Dismissed Bankruptcys. My case was not a voluntary dismissal, the Court that deemed my bankruptcy " ineligible '' due to me not having enough debt and my purpose for the bankruptcy was to deal with fraud and identity theft issues that I was a victim of. I was young and did not know any better so the courts signed an order to dismiss the case because they deemed me ineligible for the chapter XXXX. Therefore according to Transunion previous statement in response to my previous dispute, " it is TransUnions policy to report discharged or voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. '' My case was not a voluntary dismissal. Please see attached court order. 
Please remove this from my record it has caused me to be held back long enough and I did not know to even fight for myself. 
Thank You!
Consumer complaint received 2023-07-13
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. (CA)

My personal information was stolen in XX/XX/XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX INQUIRY : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY:XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-04-10
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: Chime Financial Inc (NY)

I noticed a total or 5 unauthorized transactions on my Chime Account totaling {$1400.00} all from the same merchant. I have let the bank know as well that I have no idea what these transactions are. This is in regards to my Chime account # XXXX. I did not have my debit card in my possession at this time, and the transactions are as follows : XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$20.00}
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (FL)

Hello, On XX/XX/XXXX my car was repossessed despite my payment arrangement or not receiving a default letter. After repossession I processed a payment for all of my past due balance being told that was what i would need to do in order to reinstate my loan and receive my vehicle.Still after payment there was no redemption paperwork given to me.They requested bank statements for my payment in the middle of an pandemic where all banks are closed.They have requested i go to a bank despite informing them of my COVID diagnosis before repossession even occurred projecting that i put others at risk for there undocumented request.I have asked for documentation showing where i agreed to pay them in only the form of XXXX XXXX  when my loan defaults and they have failed to provide the information.My car has been relocated 1 hour from my location and scheduled to be sold despite me reinstating my loan.They are using bully tactics and preying on people trying get there vehicle.On top of there fees i will have to pay around XXXX dollars to receive my car from the tow lot despite the {$170.00} i wouldve had to pay the day i brought my account current with a CLEARED payment
Consumer complaint received 2024-01-20
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Consumer complaint received 2020-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

I have set up autopay numerous times, the payments do not pull. I get behind on payments without even knowing. they have all of my bank account information and I have agreed to when they would pull out the money. It has to be on time and when I agreed or else I do not have the funds set up properly.
Consumer complaint received 2020-10-02
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. (TN)

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE
Consumer complaint received 2024-04-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION (IL)

Early last month on XX/XX/2024, I opened up a 12-month IRA Traditional CD Account with Alliant Credit Union located in XXXX, Illinois. After first talking by phone to 1 of 17 Supervisors, XXXX, my transferred form and money was confirmed & received by Alliant on XX/XX/2024. However, my deposit was delayed in posting to my account until XX/XX/2024, with only a 3.10 % vs expected 5.40 % interest rate that was posted on their website which I've attached to this complaint of when I opened up my account. I called again and talked to Supervisor XXXX  on XX/XX/2024, and was told that I opened an IRA SAVINGS NOT CD Account. However, I told her that their Alliant IRA Transfer Form which they received and my IRA Account that I opened early last month Clearly didn't show it was for an IRA SAVINGS VS CD Account. XXXX then said after talking to their IRA Department that they would open up a new 12-month Traditional IRA CD Account for me with a 5.30 % which was the rate last month on XX/XX/2024, when my account was " FUNDED '' and would be opened, changed & corrected by XXXX, XX/XX/2024. However, on XX/XX/2024, I receive a message to call back Alliant and talked to another Supervisor XXXX who said they are NOT going to give me the 5.30 % interest rate that was promised by Supervisor XXXX after supposedly reviewing my past phone calls with them? I'm still currently receiving only a 3.10 % interest rate on this account. Since opening my Account with Alliant I've received horrible customer service because of their Delays, Lying and Deception of their posted 5.40 % and then their revised & promised and NEVER received interest rate of 5.30 % and their lack of NO response to my numerous received emails to their Customer Service Team XXXX & XXXX since XX/XX/2024.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-01-23
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. (CA)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ] & [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX, Experian and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.
Consumer complaint received 2020-10-02
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. (TX)

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and Equifax, XXXX  and XXXX  are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.
Consumer complaint received 2020-10-02
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. (TN)

I HAVE DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE
Consumer complaint received 2020-10-02
Product: Credit card or prepaid 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)

I have submitted a dispute for XXXX charged to my credit card on XX/XX/2019. Citibank has accepted this dispute only after I have complained to CFPB last month that Citibank had been refusing to accept my dispute. 
However, Citibank does not process my dispute according to the law, and they refuse to provide any information to me about the status of my dispute. 
When I contact Citibank I am subjected to XXXX abuse from their employees who tell that they are based in XXXX. these employees belittle and humiliate me. When I complain to them, they then tell me that they refuse to communicate to me on instruction from Citibank, They also refuse to provide their last names. The three employees that I communicated with all said they are in XXXX and that their legal names are XXXX, XXXX and XXXX. They all give American-sounding names. I submit to CFPB that Citibank instructs and/or allows their employees to give false names and racially abuse me, I insist that Citibank resolve my dispute and provide the credit for the disputed amount and cease XXXX abuse directed towards me.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I applied for mortgage assistance with ROCKET MORTGAGE under the CARES ACT OF 2020. I was told to pay my bill until I receivd a letter that I am approved and that would take 30 days. We were well into XXXX and I asked what I should do about the XXXX bill and I was told to pay and if I am approved XXXX I will get my money back. My approval date was by XX/XX/XXXX so I made sure they got my payment by XX/XX/XXXX and filed for forebearanced as instructed. 

I got my letter today and called in to confirm, and no one knew what to do until one resolution specialist said they don't have to return my money or start the forebearance next month. They can keep it AND charge it to forebearance and there's nothing I can do about it. I can not appeaL, I can not create a complaint. I can not speak to anyone else. I can not send a letter. I shouldn't have paid my mortgage on time. I begged that even if I was given the wrong information when I called in for filing information this was still a hundred year horrible world wide pandemic and Rocket Mortage should do the right thing. The right thing that they did was hang up on me after 40 minutes. Thank You Rocket Mortgage. 

I publish this so other consumers don't get abused by the policy -- they want you up to date or you won't get approved for forebearance, and then when you get approved for forebearance they will keep your money anyway.
Consumer complaint received 2020-10-02
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. (TX)

I have been disputing the XXXX XXXX on my three credit bureau reports. The inaccurate information remains after each dispute. The FCRA requires furnishers to report accurate and complete information to CRAs. More specifically, furnishers are prohibited from reporting information relating to a consumer that is known to bee inaccurate or that the furnisher has reasonable cause to believe is inaccurate. XXXX XXXX and XXXX XXXX   and Transunion are all KNOWINGLY furnishing and reporting inaccurate information on my consumer credit files. I have repeatedly disputed this inaccurate information and have also filed a previous consumer financial protection bureau claim. This inaccurate account is still reporting inaccurately on my credit reports. I hereby ask the consumer financial protection bureau have this account removed from my credit report per it is stopping me from getting insurance, affecting my credit score and my life in a dramatically negative way. It is also affecting me mentally and physically. If the three credit bureaus and XXXX XXXX continue to report this account that is showing charged off and late payments after the charge off as an open account I will have no other recourse but to contact my attorney general and file legal action.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I booked a vacation to XXXX, XXXX though XXXX and was making payment on the trip. I made 6 payments using my USAA debit card in the amounts {$45.00} on XX/XX/2020, {$98.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020, {$260.00} on XX/XX/2020. I was informed via email from XXXX towards the end of XXXX that all international trips had been canceled due to Covid-19 and that they has closed down their operation/call center. Bookit.com stated they could not issue a refund at this time and to work with my bank. I worked with USAA on this and they gave me a temporary credit. Few weeks later the credits were reversed so I called again, gave more information on the situation and was issued another temporary credit. Once again, a few weeks later the credits were reversed. I spoke to an agent with USAA and was informed more information was needed. They could not specific what exactly was needed. So I put together a document with links to the XXXX XXXX XXXX ( XXXX ) for XXXX, credible new articles stating customers are not receiving refunds, screenshots from XXXX websites stating they are currently closed and to work with my bank for a refund. After submitting all of this USAA is saying they still need more information but can tell me exactly what information is needed to issue me a refund. I paid for a service and that service was not provided.