davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC (AR)

Basically, we were supposed to close on the sale of my house on XX/XX/XXXX, but my buyers realtor didnt disclose that they had a for-sale contingency until they had issues last second, so it ended up pushing my houses closing until XX/XX/XXXX. Because of them lying, my pay-off quote for my mortgage expired on the XXXX, so the attorney facilitating my sale sent an extra {$5000.00} to cover our butts in case for some reason we ended up with a bunch of interest or something. Im not sure why he insisted on sending that much for a single day, but now the issue is I cant get the bank ( XXXX ) to refund the excess monies. Ive called them on 4 occasions now and been given 4 different dates that they claim the refund check has been mailed and I have also been given two different numbers that Im supposedly owed back ( was told {$5100.00} originally, and {$4800.00} on my last call on XX/XX/XXXX ). They called my attorney and said that they were going to send the money to them and the attorney said send it directly to me, they dont need it. The attorney said they were insisting on it going to them because for some reason Flagstar doesnt feel comfortable mailing the check directly to us. They told my attorney on XX/XX/XXXX that the check was mailed out on XX/XX/XXXX right after I had gotten off the phone with a Flagstar representative and told they sent the money on XX/XX/XXXX. The attorney tried following up today, XX/XX/XXXX after never receiving the check that they were told was being sent to them and Flagstar decided all of the sudden that they cant talk to the attorney without my authorization, despite doing so a couple weeks ago and insisting it was the attorney they deal with. I need the money but dont have the time or funds on hand to pursue the matter any further because I keep getting the runaround and at this point what is blatant lies. I also feel that I should receive the full amount back plus interest on my behalf as seeing how its been almost 5 months since the closing was completed.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

In XXXX of 2022 I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for XXXX for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that XXXX will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of 2022. You have 15 days to correct this problem.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : 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 2023-02-23
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: Experian Information Solutions Inc. (FL)

First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). 

Account # XXXX and Account # XXXX are showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. 

My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2023. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Consumer complaint received 2022-05-25
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. (FL)

I sent a letter last XX/XX/XXXX to remove these negative items ; Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (NY)

I applied for the {$200.00} guaranteed on my chime debit card and i had problems with having to receive a check for three weeks which caused me to be late for rent and no food or soap for almost a month I have experienced anxiety since then.
Consumer complaint received 2023-01-16
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. (NY)

Ive disputed the XXXX XXXX XXXX account showing on my credit report with all three credit bureaus XXXX, XXXX, and TransUnion call and all three bureaus has claimed ACCOUNT VERIFIED. The XXXX XXXX XXXX account reporting on my account is showing an incorrect status of delinquency, incorrect balance, incorrect payment history etc. Ive tried to correct the issue with the credit bureaus but I dont believe I received a fair hearing according to the fair credit reporting act.
Consumer complaint received 2023-03-01
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Don't ignore my request this time to correct the following inaccurate items. 
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 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 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 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 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 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 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 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 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 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 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In Accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It Also States a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2023-02-23
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SC)

XXXX XXXX has 5 % off total purchase over {$390.00} if the customer opens a store credit card online at checkout, this discount is also only available with online purchases. I opened the account and was approved for the purchase amount. When attempting to checkout the order would not process. I called XXXX XXXX and was told to call the card issuer. The card issuer is Synchrony Bank. 
After calling the bank I was told to call XXXX XXXX, because newly issued cards do not work with online checkout. 
That makes no sense because that it is clearly advertised that the card can be used immediately upon online approval. This is fake advertisement! This matter lowered my credit score for a card that I am not even able to use for its advertised purpose. The card was immediately closed and I asked for the credit pull to be reversed due to fraudulent and misleading advertisement. The agent then disconnected the call.
Consumer complaint received 2023-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (NH)

Ally Financial/ Ally Bank , or to whom it may concern, you may not communicate with me by sending statements and reminder notices, this would be a infringement upon my rights as i served you a valid cease and desist pursuant 15 USC 1692 c ( c ) i specifically requested Ally Financial/ Ally Bank to not communicate with me the consumer. for Ally Financial to still threaten and harass me is deceptive and unfair to me as a consumer. 

Ally Financial other claim saying they have a right to share my private personal information to third parties, is again violating my right to privacy. company policy does not supersede my right to privacy.
Consumer complaint received 2023-03-08
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. (AZ)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX &  XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks
Consumer complaint received 2024-03-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 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 2023-02-17
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: Experian Information Solutions Inc. (NC)

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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-02-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (FL)

On XX/XX/2022 I sent a wire transfer to XXXX XXXX, with XXXX XXXX XXXX, in the amount of {$1500.00} for wholesale hair extensions for my company. Upon receiving the hair extensions at my retail location we discovered that the extensions were infested with XXXX XXXX. I sent pictures to the supplier and requested a return and exchange or refund, which both were denied. I continued to plead with the supplier for months to accept a return or exchange, with no luck. Finally in XX/XX/2022 I disputed the charge with XXXX XXXX XXXX. After less than 24 hours XXXX XXXX denied the dispute with the response : we looked into this, and our research show the payment was processed according to your payment instructions. I never argued that I did not authorize the payment. I argued that I received good that were not usable. This is evidence that they, in fact, did not research my claims, or even reach out to the merchant. 

After to luck with the supplier, or XXXX XXXX, I reached out to Wise, INC on XX/XX/2022. Wise is the service that I used to transfer the funds to the supplier. Wise advised me to file a police report and take up the matters with my local police department. 

I am at a loss here and I am unsure how to retrieve my funds or actual retainable good. I operate a small business that can to afford to take a loss. 

I will attach photos of all communications.
Consumer complaint received 2023-02-17
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: CAINE & WEINER COMPANY, INC. (NY)

The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit XXXX XXXX XXXX XXXX XXXX inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (MI)

To all the credit berau XXXX EQUIFAX AND XXXX, recently they have been into a settlement for doing all this kind of fraud by not removing information that is not mine of my credit report as this inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All this inquiries are fraudulently done and needs to be removed of my credit report
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

MY Wife and myself got this loan in XXXX and payed XXXX plus some extra per month My wife passed in XXXX and left a large debt because of her medical costs no life insurance for her so by that time I've payed the total of XXXX dollars and from XXXX to XXXX I payed another XXXX for a grand total of XXXX so far and they say that I still own them XXXX left to pay the loan was for XXXX XXXX and if have to pay any more I think that it would cost XXXX total of XXXX and that's with out the interest they would add so the XXXX I got would cost me about the total of about XXXX plus dollars for a XXXX dollar loan would be the cost of 3 times the amount when is this OK thanks XXXX XXXX XXXX