davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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)

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

In XXXX I received a fraud alert from Capital One about 2 charges made to my account on the same day ( XX/XX/19 ) at a XXXX and XXXXt in XXXX, NJ for {$240.00} and {$220.00}. I immediately verified I had the card in my wallet and reported this as fraud. The charges were removed. This month I saw the charges had been re-added to my acct. Upon speaking with a rep ( ultimately 7 of them ) at Capital One, I was told that this purchase was made in person with the chip in my card and could not be duplicated. Because I had verified that I never lost my card they were unable to consider this fraud and I am responsible for the charges. I was first told I had to " request CCTV footage '' from the stores from 3 months prior. When I requested copies of the signed receipts I was then told I had to pay a fee for each and wait 44 days to receive them. I was later told that they could not guarantee there was ever a signature required. These are large amounts and I have always been asked to sign before. I am not being provided any proof of these charges but being told adamantly that I must have made them in person and there is no other option. I am very clear that I did NOT go into either of these stores, EVER and did NOT make these purchases. It is unfair that I am responsible for {$500.00} in purchases I did not authorize or make and I am being provided NO proof of purchase but must believe what Capital One is telling me, that they are confident the purchases were made in person.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX have me on there system paid account abuse this must be removed its not mine! I contacted them and all they say is wait, wait! Remove this fake information off my report. They forced me to pay at the bank for fake account to help myself..
Consumer complaint received 2020-12-22
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. (OH)

I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I was approved for a home mortgage with XXXXXXXX XXXX. They issued the loan and serviced it for about 11 months, after which time, they transferred it to Flagstar Bank. 

I made one payment and it went through fine, although it seemed to take them a long time after I mailed the check to process the payment. Then, this month ( XX/XX/XXXX ), I mailed a check on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, TX. 

After about 2 weeks, I called them, and asked if they had received my check, and they said that they know that it was mail on XX/XX/XXXX. They advised me to wait until Friday, XX/XX/XXXX before calling them again. I waited until today, XX/XX/XXXX, to see if they processed the payment. They had not. And so, I decided to cancel the check and pay it online, which I did. That was the this morning. I called them and let them know I canceled the check and asked that they note the account and destroy the check if they have it. 

This afternoon I got a call from them, their Collection 's office, and the representative said that I was delinquent. I couldn't believe it. I told her that my loan was transferred to Flagstar on XX/XX/XXXX and I had until the end of XXXX to make the payment ( 60 days from XX/XX/XXXX ). I also told the representative I mailed the payment on XX/XX/XXXX and called them a couple times now to make sure the check was received, since it wasn't processed, I decided to cancel my check and pay it online, which I did this morning. 

The number I had to call back after I received their urgent message was XXXX - ( Flagstar 's internal Collections Office ). 

The electronic payment had already been acknowledged by them in the morning, and so their call to me to alert me of being late was ridiculous under the circumstances, and I believe even violated RESPA which allows up to 60 days to make payments. 

Anyway, I just thought you guys should know about their poor procedures and non-compliance in this case with RESPA. In the end Collections acknowledged the payment was pending, and said they will not charge a late fee. We will see if they can get that right.
Consumer complaint received 2016-04-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KS)

My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.
Consumer complaint received 2019-07-10
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: Nelnet, Inc. (DC)

I have disputed the late or missed payment for the last 6 years. After reaching out against to dispute the late payment the process has taken more than 3 months to complete. After checking the error still has not been resolved.
Consumer complaint received 2020-02-10
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. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT /ACCOUNTS SUBMITTED/OPENED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2022-05-06
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: ALLY FINANCIAL INC. (LA)

N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY FILE!!!
Consumer complaint received 2019-07-10
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. (OH)

I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my ftc report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights
Consumer complaint received 2023-03-21
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)

XXXX XXXX was to refund me XXXX for an item I returned. They sent numerous emails saying refund was pending, then they never refunded the monies. 

I disputed the charge, sent evidence to Citibank that item was returned, refund was supposed to be processed but never was. Citibank ignored the evidence and kept my money.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

on XX/XX/2021 I called American Express serve because i could not log into my account They told me that it was suspended and blocked and did not tell me a reason. Before today I called ahead because I was cashing out my stock and it was XXXX. IT CAME FROM XXXX. They locked up my funds and that's a lot to lock up. I even called prior to ask the limits and they advised it would be okay. 
I just want them to either unsuspend it or send it back to XXXX so I may use a different bank man!! 
This XXXX  because I am sure they are going to find a way to take it
Consumer complaint received 2019-07-10
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. (OH)

I have disputed none stop with this. Company and seems to me the have done nothing but let my rights be violated and I am not standing for it anymore I have filed a police report I have sent in my XXXX report and also filed a new one I have placed a fraud a lot onto my account so no one can again harm my credit also the accounts they are listing on my credit that ARE NOT MINE are still violation of rights due to inconsistency of information matching and none of it does across all three credit files so these account needs to be deleted now and I am not going let these companys violate my rights
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (KY)

A check was deposited amount {$5000.00} on XX/XX/ in my account it was cleared and on XX/XX/ bank closed my account and said you will get this money by cashier check in the mail. Now its more than a month and bank is saying that its in review. I want our money back or sent back to the customer. I have the detailed statement we have requested the bank to give our money back as soon as possible but they didn't hear. 

Please help us to get our money back. 

Thank you
Consumer complaint received 2020-12-22
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. (OH)

I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (NY)

I have disputed information with Sage Stream for years with no avail. Sage Stream refuses to remove fraudulent information, they knowingly list on my report. I also have proof that their credit optics score is showing a low score regardless of negative information falling of the latest report. Score dropped from XXXX on XX/XX/XXXX to XXXX on XX/XX/XXXX XXXX XXXX was recently removed and regardless of negative info falling off, the score dropped. Sage Stream optics score is designed to hurt the American Consumer. They attempt to keep consumers at a low score in hopes to sell consumers " consumer credit repair products '' for a profit. Sage Stream is colluding with multi national organizations to scam consumers for credit repair when they don't need it. Consumers need protection from Sage Stream. 
Sage Stream refuses to remove fraudulently listed information listed on my credit report. For years, they have retained fraudulently reported information, regardless of my communications with the company. Sage stream places the onus on the creditors that report to them ; however, I have confirmed with the creditors reporting on their consumer credit report that they have requested removal, and Sage Stream has not complied. Sage Stream violates the fair credit reporting act guidelines and needs to be fined by the FTC. Furthermore, the Sagestream " optics score '' is flawed. The score goes down regardless  of negative info falling off. 
XXXX needs to be removed as well. Also, phone number on file, I have used since XXXX, yet sage stream reporting " limited info at this phone number, '' they rate me based on phone changes which is a false narrative, lived at listed address for over ten years, I should have 0 inquiries. The score should be a perfect XXXX, regardless of their objections.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2019 I noticed that I had many fraudulent accounts on my credit report I filed a Identity theft report with my local police department and then notified the credit bureaus. I have received resistance in securing my identity with XXXX and Transunion. They are in clear violation of my rights as a consumer and I have given them all the proof and documentation that I have in regards to this matter. Had I known previously what I know now I would have made the bureaus aware sooner. I have a total of 12 collection accounts, 10 Credit Card accounts, 9 EDU accounts and 1 car loan that I am not responsible for and needs to be removed from my credit report.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

I have received at least three ( 3 ) automated phone calls per day for the last three or four ( 3 or 4 ) days  while I'm at work from Synchrony Bank [ phone number XXXX ] acting on behalf of Care Credit.  They claim that I owe {$2400.00} for XXXX performed by XXXX XXXX XXXX XXXX. They further allege that I am delinquent on that account. The irony is, I've never had any XXXX or other dealings with XXXX XXXX XXXX XXXX. Then they stated it was for my wife 's XXXX. She has had two ( 2 ) XXXX with them. However, I have a copy of her most recent statement that shows a balance of {$760.00}. I contacted them earlier this evening and spoke with a foreigner who repeatedly tried to get me to admit to the debt and to make an online payment. I repeatedly stated that I would have to speak with my wife first. He persisted until I finally told him I didn't care what he put into his system, just stop calling me. I should mention that I am a XXXX with good credit. Their phone calls are not only irritating, but disruptive to my XXXX XXXX. 

When my wife came home she told me that she has contacted Care Credit several times and nobody can tell her why she owe this extra {$2400.00}. Subsequently I contacted Synchrony again this evening and was told by them that they were not contacting me about my wife 's account, but about an account in my name for XXXX performed on me. Let me reiterate, I have never had any XXXX period. I've never even been to XXXX XXXX XXXX XXXX office. Synchrony tried to deflect the blame back to me when I questioned them about the account in my name and asked them to tell me when I had these supposed XXXX. I also stated that I had never received any bills for this account. They told me they didn't have that information. At that point I demanded to speak with a supervisor and an AMERICAN. They transferred me to their fraud department where I spoke with a snotty woman who did not identify herself. 
She made me repeat everything I had already said and kept interrupting me. She finally admitted that this account was fraudulent and obviously not mine. I demanded that they stop calling me and very explicitly said I would fine a complaint and I would seek legal action if any of this showed up on my credit report. She made vague statements to the effect that I had a right to complain and I could sue anyone ( as a veteran I take offense when a foreign national tells me what my rights as an American citizen are ). Despite repeated statements on my part, she would not say that this wouldn't show up on my credit report.