davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UMB FINANCIAL CORPORATION (MO)

I had 2 unauthorized purchases XX/XX/XXXX for {$180.00} and XX/XX/XXXX for {$11.00}. I called UMB bank and reported the items as unauthorized, they discontinued my debit card and told me of the process to investigate and send a new card, in doing so, my bank has not complied with the Electronic Fund Transfer Act as, after multiple follow ups, my account issues remain unresolved after a 10 day period and I have no credit applied to my account. I had first contacted my bank on the XXXX of XXXX well within the timeframe of the unauthorized items being posted. Furthermore, in this matter, the fraud department literally does not handle the issue, attempting to contact someone with knowledge of the situation was extremely difficult and my matter has no been resolved lawfully within Section 205.11 ( c ) ( 1 ) of the Electronic Fund Transfer Act to provide provisional credit and advise me, the consumer, of the provisional credit within 2 days that it is applied.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (GA)

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2018-05-25
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. (AL)

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent nuptial. 

My address section should only reflect the following addresses in my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-25
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)

Please investigate my late father social security number. It have been used since XX/XX/XXXX, even though he have been XXXX since XX/XX/XXXX.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I complete an application for a mortgage 20 days with Chase and have not received approval or denial.

I have contacted them several times even called twice to get it escalated and reassigned with the hopes I can use my financial institution for my lending needs, however, all attempts have been unsuccessful.

I have spent entirely too much time on this and it is beyond frustrating with the lack of service and responsiveness of Chase
Consumer complaint received 2018-12-22
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. (HI)

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2024-03-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC (GA)

Submitted a Qualified Written Request for corrective action including payment history correction, and Failure under XXXX to properly notify me of mortgage transfer of servicer. Also not cancelling foreclosure sell while in a modification process. 

Mortgage was sold from XXXX XXXX  to a new servicer, Selene Finance without notifying me, and incorrect payment history. I have disputed and requested the information for the falsifying missing payments. The new servicer Selene Finance will not tell me and or my authorize Rep, anything about what payments are missing and/or delinquent after multiple request and Selene have not accepted any payments since obtaining this account stating because its " too delinquent '' to accept payments, and recently sent me a modification application for the first time which I completed and returned immediately but Selene failed to stop the foreclosure during the modification process as allowed federally and per State of Georgia violating all my righs under Rule 80-11-6-.02. Also request all documents pertaining to the already approved Making home affordable loan, and program approval documents and terms which is current and active on current loan.
Consumer complaint received 2019-07-29
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)

These accounts below are reporting to my credit report and they do not belong to me.

XXXX # XXXX   AMOUNT {$2000.00} XXXX XXXX # XXXX AMOUNT {$460.00} XXXX XXXX # XXXX amount b {$430.00} XXXX  # XXXX AMOUNT {$350.00} XXXX XXXX XXXX # XXXX  amount {$76.00}
Consumer complaint received 2021-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. 

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received copies of car contracts from Bank of America that belonged to me except one that had my electronic signature and I never purchased the car. The car in question is a XXXX XXXXXXXX XXXX that Bank of America is saying I purchased and I'll include the contract in this complaint. This is an unethical way of doing business by getting my signature somehow on a document that I never even signed for. The Federal Reserve Act provides for the utilization of securities as collateral for various financial transactions. I believe Bank of America has utilized my security without my consent or proper compensation, thereby infringing upon my rights as a securities holder, thus committing fraud pursuant to 18 U.S.Code 1348. The concept of equity of account ensures that all parties involved in a financial transaction are treated fairly and interest of securities holders, such as myself are protected. I believe that Bank of America has denied my rights to equity of account by not providing me with the appropriate benefits and compensation associated with the utilization of my collateral security. As a financial institution and national bank Bank of America has legal obligations to comply with the the Federal Reserve Act and other applicable laws & regulations. This includes ensuring that the rights of security holders are respected and that fair and transparent financial practices are followed. It is crucial to ensure that Bank of America upholds its fiduciary responsibilities, complies with fair lending regulations refrains from engaging in fraudulent activities. If Bank Of America remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware XXXX XXXX, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables.
Consumer complaint received 2019-07-29
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: Santander Consumer USA Holdings Inc. (MO)

Santander opened an account in My name and reported it to the credit bureau, I never opened an account with them. I have never heard of them and there is no way they have any photo ID such as a drivers licence or other legal document that would be required to open such an account. This was opened in fraud, or they are committing fraud, but needs to be closed and reported as such.
Consumer complaint received 2021-05-31
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. (IL)

I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ) ... .... deleted the account due to the inability to verify that the information on the account is mine and accurate, yet this account is still reporting to my credit report from your company. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide in FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so please block and remove this account from my credit report as soon as possible.
Consumer complaint received 2022-08-27
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. (TX)

These accounts is reporting INACCURATELY it's reporting not as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. 

In accordance with the fair credit act XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXXXXXX # 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
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i have been making payments on my account with the maximum allowable amount. Capital One keep on holding funds even though it has been debited on my checking accounts from XXXX and XXXX. 
I don't understand why the hassle of having to call my bank to verify things. 
they always release it before why the hassles on my payments? 
it is like I am begging for my payments.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — Store credit 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 got a Home Depot credit card last year. I saw some purchases I did not make. I contacted the Home Depot security office twice and they denied my claim. I faxed/ mailed them several times my ID and police report however they keep telling me that they have not received any documents. I have proof of the faxes and letters I send. They keep making excuses such as that I didnt include my account number or fraud claim number ( when I did ) or they keep giving me different fax numbers. I asked for an explanation and if the purchases were made in store or online. At first, Home Depot said the purchases were made in store then I asked for them to check the security cameras. Then they changed their story and told me that the purchases were made online. Its been several months and I hadnt had a fair resolution. They just call me day and night to remind me to pay the bill sometimes their associates are extremely rude. Even if I block the number they call me from different ones. When I try calling customer services they just transfer my call to different random people for two hours straight to finally hang up on me. This situation is been so stressful for me. Ive done everything they asked me for. However now my credit went down significantly and I was trying to built my credit to buy a house soon.
Consumer complaint received 2022-10-06
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (DC)

My Equifax credit report incorrectly states that my XXXX account was sent to collections. In fact, my XXXX account was set to auto-pay and the collections information was entered as an error. I have disputed this with XXXX via certified mail and filed a dispute with Equifax which was not resolved to my satisfaction. XXXX has removed this account from my credit report and I would like Equifax to do the same.
Consumer complaint received 2019-07-29
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. (FL)

Equifax is continuing to report a XXXX collection account in the amount of {$850.00} against my credit even though XXXX notified Equifax on XX/XX/2019 to remove the account since they are no longer handling the matter as they state in the attached XX/XX/2019 CFPB response. 

On XX/XX/2019, I contacted Equifax customer service because the XXXX account was not removed. However, since Equifax has chosen to outsource their customer service to XXXX and not properly train their employees, the Equifax representatives do not have a grasp of the English language and can not comprehend anything other than the script the have before them. 

As such, I followed up the phone conversation by faxing Equifax a notice to remove the XXXX collection account with the supporting CFPB XXXX response. ( A copy of the facsimile notice is attached ). 

As of XX/XX/2019 Equifax continues to report the XXXX account. ( A copy of my Equifax credit report dated XX/XX/2019 is attached showing XXXX account ) As Equifax has been notified by both XXXX and myself to remove the XXXX account, Equifax is now knowingly and intentionally reporting false information against my credit file.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

In a day where phishing or scams via email are common. I am trying to find out how to validate email notices related to my new XXXX  XXXX ( Issued by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ). Via XXXX and Goldman Sachs Bank method of communication via XXXX chat service. I attempted to learn as their support page is lacking any guidance. Currently I have received a few emails but they were flagged as JUNK by XXXX. I want to make sure I do my part to protect myself. As well I want to insure that email notices that could be urgent are not missed. The subject and FROM are not easily verifiable as true XXXX or Goldman Sachs Bank. 

Subject : Your XXXX Card statement is ready From : " XXXX Card Support ''  <XXXX> XXXX>
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

Infiniti Financial Services XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} Infiniti Financial incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called Infiniti financial to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but Infiniti payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for Infiniti 's own mistake. It is not fair. 

I called and tried to explained this to Infiniti. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XX/XX/XXXX and now XX/XX/XXXX 's payment. Infiniti reports on my credit, that I owe, XX/XX/XXXX and XX/XX/XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that Infiniti paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once  available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to Infiniti, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,