davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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 Balance : {$760.00}.
Consumer complaint received 2021-05-30
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. (TX)

A few years ago I paid off my XXXX XXXX XXXX  which was financed through GMAC. It is my understanding that Ally Financial has taken over the remnants/accounts of GMAC. I contacted Ally Financial beginning XX/XX/XXXX to obtain a " lien release form. '' Since I do not have an account with Ally, I am unable to complete any of these processes on line. Everything must be done via telephone call and U.S. Mail. On XX/XX/XXXX I provided my name, address, VIN # to the person at Ally, spelling the name of street, providing the complete mailing address, and I was told I would receive the lien release request form within 7 to 10 days. ( Reference # XXXX ) Three weeks later, on XX/XX/XXXX, I did not have the form so I called back and spoke to XXXX ( Reference l # XXXX ). I was told the form was mailed on XX/XX/XXXX but learned after questioning that they did not use the complete address -- leaving off the suite number and box number. Therefore, the form would never reach me as my mail box is located within a strip center and the suite number is an absolute necessity. I was then told the form would be mailed out again to the correct address and that I should expect it within 7 to 10 days. On XX/XX/XXXX, after not yet receiving the form, I contacted Ally Financial again and spoke to XXXX. She informed me that the form was once again mailed, confirming the correct address, and then told me to " give it a little more time. '' When I asked her where the form was being mailed from, she said " the Title Department '' and when I asked the location, she put me on a 3 minute hold and after returning to the call informed me the form was mailed from XXXX, MD. 

I am experiencing financial hardship due to the COVID pandemic and I am in urgent need of selling my car. This delay on behalf of Ally Financial is causing me undue stress and unnecessary pain and suffering. Even after I do receive the lien release request form, I am concerned -- with their demonstrated incompetence -- that they will further delay my securing the lien release ... causing even more financial stress and strain I need assistance!
Consumer complaint received 2023-07-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-10-01
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)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I purchased an item from XXXX  XXXX  in XXXX VA, in the amount of {$200.00} on XX/XX/2020. The item was not as described, I called the merchant and told them about my problem and they stated no refunds. I called my Financial Institution twice to ask for help on getting my money back and they stated they couldn't help me because it was a face to face transaction and closed my case without reasonable investigation. I received no request for additional information nor a provisional credit while they investigate.
Consumer complaint received 2022-11-09
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)

XXXX XXXXt XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX completion XXXX XX/XX/2022 Complaint ID XXXX against XXXX Completion date XX/XX/2022 Compliant ID XXXX against Experian Completion date XX/XX/2022
Consumer complaint received 2022-11-09
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)

XXXX  Account XXXX Has Violated the FCRA sec 623 ( a ) ( 1 ) ( b ) the law clearly states and I quote Sec 623 ( a ) ( 1 ) ( B ) If a consumer notifies a furnisher that the consumer disputes the completeness or Accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing NOTICE OF DISPUTE The credit reporting agency violated my rights under 15 USC Code 1681i ( a ) ( 1 ) ( A ) I disputed this Twice for failure to put by law the the required Comments NOTICE OF DISPUTE on this account. they gave me, this information is accurate which in fact is inaccurate. I gave them two opportunities to Delete this account for being Inaccurate. to this day it has been ignored or disregarded I demand immediate removal of this account. 

Attached consumer reports screen shots to prove the failure of NOTICE OF DISPUTE is not on any consumer reports since disputing started on this account.. 
LISTED BELOW ARE THE DATES the CRA COMPLETED their so called investigation in case they pull a fast one and say I never Disputed the account Complaint ID XXXX against XXXX XXXX  XXXX XX/XX/2022 Complaint ID XXXX against Equifax Completion date XX/XX/2022 XXXX ID XXXX against XXXX XXXX  date XX/XX/2022
Consumer complaint received 2023-01-04
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

My lender refuses to remove the PMI monthly premium. My outstanding principal is now roughly one half, that is fifty percent, of the loan value at the time of mortgage origination five years ago. The customer service persons on the phone when I call to request they drop the PMI state " we don't do that '' and " you signed an agreement to pay it '' when I originated the mortgage. Each phone call is XXXX $ billed to me on my following month mortgage statement, so I don't call. My current MI is XXXX $ per month. My current principal balance is XXXX on original loan amount XXXX and original appraisal of XXXX. I feel this is a predatory lending practice. Can you help drop this amount, and if possible, can I recover the overpayments since the 80 % ownership was reached?
Consumer complaint received 2020-10-01
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)

TransUnion nd XXXX  are fraudulent on my following accounts XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  XXXX fraudulent on my credit Account # XXXX XXXX, XXXX fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-01
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)

THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND ALSO TO REMOVE THEM OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQURIIES REMOVE OFF MY CREDIT. THESE INQURIES ON MY CREDIT REPORT ARE NOT LIABLE TO ME.
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NJ)

Debt collectors Selip and Stylianou are inaccurately holding themselves out as being the lawyers for XXXX card, yet XXXX card has informed me that they do not have any association with the case anymore, and that Selip and Stylianou is simply a debt collector. Yet in the lawsuit, S & S has the plaintiff misleadingly listed as " XXXX. '' However, it is actually them who is the plaintiff. They are acting as if they are lawyers instead of debt collectors. They have violated 15 USC Section 1692 e sections 3, 10 and 14.
Consumer complaint received 2024-01-22
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX : # XXXX has violated my rights. 

15 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (OH)

I went up to XXXX Bank XX/XX/2022 to pay off a XXXX loan and while there was talked into taking all my saving of XXXX and putting it in a C.D at XXXX XXXX intrest since my savings was only making XXXX XXXX ..i was told of no penalties or stipulations other than it was for 17 months.When i returned home i went on line and saw that XXXX 's were going at closer to XXXX XXXX and called them back to cancel my CD since it had been less than XXXX..I called the CD dept and was told it hadn't processed yet so to call the bank..i called the bank and was told it wasn't there dept and that if i close it i would be penalized 3.0 % on the XXXXeven though if i left it in it would only make XXXX XXXX ... this to me is nothing but loansharking... I called up U.S Bank investment bankers who I had spoken to before and he said he could get me a but better rate if i could get the funds back into my savings ... he said he would look into it but the later said that since its under XXXX his department couldn't help.I called customer service who said thats not the way they do buisness and she would have someone contact me... as of now a week later no one has. Again I was never told of these penalties, if i had been told they would changed me more to close it than i would make to keep it I would have passed ... Also i was told by their investment banker earlier last year that generally early withdraws loose 3 months of prior intrest... so to loose XXXX XXXX on a XXXX XXXX CD seems criminal.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi, I noticed on XXXX XXXX XXXX that capital one charged me a {$28.00} dollar late fee.I made a electronic bill pay payment that was sent on XXXX XXXX and arrived on XX/XX/2022. ( due date ) Confirmed by my banking institute. When I called capitol one they informed me that it takes up to 5 days to post to my account. On their banking statement that information is no where to be found .Does state that I need to make a payment on the due date to avoid interest and fees, which I did. I have made electronic payments numerous times in the past, and have never been charged a late fee. I paid the balance in full. Payment of {$45.00}, and deducted from my checking account on the due date. ( XXXX ) Capital one posted my payment one day later on the XXXX of XXXX. I disputed this with the bank I make the payment with and they told dispute was denied, and to take it up with XXXX.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022, Synchrony Bank requested documentation of three payments I made related to the dispute. On the same day, I faxed my bank statements that included the payments. On XX/XX/2022, Synchrony Bank requested letters from my bank detailing the payments. I faxed the requested letters on XX/XX/2022. Shortly thereafter, I spoke with a manager named XXXX, with a XXXX, not a XXXXXXXX said. He said that XXXX of the XXXX disputes had been resolved. The third dispute was in escalation status. He assured me there would be no adverse credit action taken until the third dispute was resolved. The managers I spoke with before and after talking with XXXX said the same thing. However, on XX/XX/2022, I called again because I continued to receive more than a dozen emails and collection phone calls. The first representative, XXXX, explained that none of the XXXX disputed payments had been resolved contrary to what I was told, and to allow up to 90 days. She also said beginning XX/XX/2022, it would be reported to the credit bureau as late despite their policy printed on the bank of each statement. She transferred me to a Customer Service Account Manager named XXXX who repeated what XXXX said. He explained that as of XX/XX/2022, my disputes were pending case review. He also said a People Manager would call me back. XXXX called me back but offered no resolution or way to expedite the review. She said someone would call me back, but no one has called.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX / XX/XX/2020 for 30 or 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Merrill XXXX over a 5 week period gave me wrong info on my moms account so It made it horrible to try to convert her single name account to her trust and it took Merrill XXXX 5 weeks and 13 phone calls to even learn Merrill Lynch/Merrill XXXX had their own POA form I had to fill out. I should have been told about this in the first phone call. I have provided all the proper info and for the last two weeks that I found out they were closing my moms investment account when we did nothing wrong. They lied about mailing out the check twice hung up on me once and refuse to send my mother her money. The branch people at B of A are no longer allowed to speak to me. Merrill XXXX is holding {$30000.00} of my moms money and wont move it into her B of A account. My mom and her father banked with B of A for 80 years. I NEED YOUR HELP!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My mortgage was transferred from XXXX XXXX  to Nationstar Mortgage, XXXX XXXX Mr. Cooper. I received a letter from XXXX detailing their process but have received no communication from Nationstar Mortgage, XXXX XXXX Mr. Cooper prior to my payment due date. I have no loan or account number and can not login to the website to make a payment. 

The CFPB closed my exact previous complaint with no resolution saying they resolved it. Who do I complain to now?
Consumer complaint received 2020-10-01
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. (WA)

Back on XXXX XX/XX/2020, I made a lawful request for a free annual credit report as part of a credit card application. I had never made this free annual credit report request before and I made it directly online to Equifax, XXXX  and XXXX. I then received favorable credit reports immediately back from XXXX  and XXXX. My Equifax application was met with a lot of questions to me that made no sense and asked me if I had ever lived at any of the unknown addresses provided to me. I did not know any of the answers of the unusual questions asked of me and I made it clear in my online response to Equifax. Equifax then told me that I would have to write them to ask for a copy of my credit report, which I immediately did. However, the following day I received information that my credit card application had been denied due to damaging information provided by Equifax. On or about XXXX XX/XX/2020, I received a letter from Equifax that I would again need to resubmit my free credit report application to them, however, it was at this time that I noticed that Equifax had spelled my name wrong and again referred to information that I had no knowledge of. I immediately wrote back to them clearly pointing out who I was, my real name and the fact that I did not appreciate Equifax reporting false information about my credit history. They never responded. I wrote them again on XXXX XX/XX/2020 and again they refused to respond. I am sure I am not the only one that they have pulled this crass stunt with. Please investigate this malfeasance on the part of Equifax.