davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I opened my account on XX/XX/2018 online. On XX/XX/XXXX my car was stolen from the sprint store parking lot in XXXX, CA. Contacted chase to check and report all fraud charges and I was refunded only for two and told i only reported two charges when i called back in XXXX to check the status because they told me it could take up to 90 days. I recieved a denial letter and was told they were from a branch that I frequent and that my signature matches my signature card on file. I informed them i never signed a card because i opened my account online and they copied my signature from my CA ID also, theres only one branch in XXXX so yeah I have to go there. I asked to speak to a supervisor who looked over my claim information and compared my signature to the fraud withdrawn slips and told me that they are similar but not the same and that she would escalate my claim and to send in my police report and call back in 5days. Claim was still not approved and was given more runaround about non existant signature cards and branches i go to in XXXX but there is only one.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (NY)

Good day. 

First, I will be expressing the total dismay and stress these accounts have been causing me. So, on XXXX, I had a letter sent out regarding inaccurate accounts on my credit report. To my knowledge, I should receive a response in any form about my request. It has been over 45 days, and to this day I have not received ANY messages or responses. This is very stressful and I feel upset for their lack of responsibility. According to Section 611 ( a ), failure to investigate items within a 30 day time frame will result in the immediate deletion of items. I want to exercise my rights and have these accounts removed from my credit report. If I am still neglected and ignored, I will file for a litigation. 

I appreciate your help.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

Payment History Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with KIA/Hyundai approval . They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX KIA FINANCE AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (LA)

I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. The listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA. I urgently demand their immediate removal from my consumer report to rectify these violations and comply with the relevant laws. Please take prompt action to remove these accounts and information without delay. Thank you.
Consumer complaint received 2023-07-28
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. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.
Consumer complaint received 2018-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AK)

On XX/XX/2018 I opened a checking account with Citibank. It was funded XX/XX/2018. On XX/XX/2018 my corresponding Savings account was funded. The terms of the offer were to open a new checking and savings account package between XXXX and to deposit {$15000.00} new-to-Citibank funds into either of them with a minimum of {$1500.00} in checking. Funds must be maintain a minimum balance of {$15000.00} for 60 days. Get {$400.00} deposited into your account. According to everyone I've spoken to at Citibank ( reference XXXX ), I qualify. I met all criteria on XX/XX/2018 and 90 days waiting for the bonus would put me at XX/XX/2018. I called then, and I was told I'd receive it at the end of the month. I called on XX/XX/2018 and was told 5-7 days more. I called XX/XX/2018 and was told 1-2 business days. It's now XX/XX/XXXX and I still haven't received it. Please help, I'd just like to receive what was promised.
Consumer complaint received 2022-07-26
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)

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE XXXX IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. 

Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-26
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. (GA)

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. 

Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-26
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. (HI)

my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you
Consumer complaint received 2019-01-13
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 purchased a vehicle, the car lot farmed my SSI number for One purchase, now I have 8 hard injuries. The FTC law allows me to shop in a time frame for big purchases without being punished, Disputed and spoke with Equifax supervisor, refuses to remove. 


1. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 Auto Financing 2. XXXX XXXX, Inquiry from XX/XX/2017 Personal Loans Cos. 
3. XXXX  XXXX XXXX Inquiry from XX/XX/2017 4.  XXXX XXXX Inquiry from XX/XX/2017 5. Members First Credit Inquiry from XX/XX/2017 6.XXXX XXXX  XXXX Inquiry from XX/XX/2017 XXXX. XXXX Inquiry from XX/XX/2017 Personal Loans Cos. 
8. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2017
Consumer complaint received 2018-11-27
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 was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC XXXX
Consumer complaint received 2019-01-13
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. (FL)

Disputed Inquiries with all three credit reporting agencies. Called XXXX XXXX  over 60 days ago they recognized as fraud through XXXX and sent Inquiry removal letter to myself and XXXX   XXXX, and Exquifax. I sent letter from XXXX to all three credit reporting agencies to have removed. Equifax only one Refusing to  remove after receiving letter from XXXX and myself. 

1. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
2. XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
3. XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
4. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks 5.XXXX  XXXX  XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos.
Consumer complaint received 2019-11-18
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. (GA)

I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX  XXXX, however they are listing a debt on my credit report that I have disputed several times.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (TX)

I have sent the letter to XXXX and was informed that I don't owe any money. This company continues to send me a letter stating that I owe them money from 2011. I have never received any documents from paypal regarding owing a debt.
Consumer complaint received 2023-03-27
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. (OR)

I appreciate your taking the time to DELETE 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. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2018-11-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TFS FINANCIAL CORPORATION (NJ)

To sum up what has transpired with myself and Third Federal is I have been making payments just about all on time to them for ten years. About four years ago I filed bankrupcy because I was a single mom and full-time XXXX student. In that time I had always paid my bills to Thhird Federal on time. After the bankrupcy my loan was discharged but I continued to pay because of course I want my house. This has been at least the third time I have received threatening letters from Third Federal as well as them putting a delinquency on my credit report which I have rebuilt. For most of my loan I had paid approximately {$55.00} a month. Apparently after bankrupcy they raised it slightly yet they never informed me. They stated when I called that they are not allowed to send me bills even though I was rerquesting them so I can stay on top of paying them, yet they refused. I paid the outstanding portion I had owed because i was never made aware of the increase. Then about a year later they send me another threatening letter that I am delinquent because of non payment yet I said I have made all my payments. The rep said my loan amount increased and I owed {$220.00} extra, I asked if they could inform me so this does not happen again and they refused. I had made a complaint with you but nothing transpired. I did pay the difference immediately and that was approximately six months ago. Again, I continued to make monthly payments on time which I have enclosed a copy of. Now six months later they send me another threatening notice saying I owe {$450.00} and this letter is a notice of default on my mortgage loan reference # XXXX resulting from my failure to make all monthly installments due as of XX/XX/18. I HAVE made all payments, they continue to reck havoc on my credit and my mortgage, I am trying to rebuild the excellent credit I had had yet they continue to sabatoge it as if to forclose my house and get their money. My loan is approximately {$23000.00} and I had for the most part paid $ XXXX/month, then this year I find out it had gone up to about {$74.00}, the actual amount I am uncertain of whereas they continue to refuse to inform me. I have paid the $ {$220.00} owed plus the $ XXXX   monthly, it is impossible that I could owe {$450.00} in six months when I have made AL, again ALL of my payments. This is harassment and sabotage to my home and welfare. It has got to end. They need to remove that {$450.00} and from now on send a written estimate of my payments and what I owe. They can not continue to send me frivolous bills of outrages sums without any explanation. I can not even go online to review anything, I have no idea what they are doing, what they are charging me or what my interest rate is. I believe if I aim making and have made all my payments for ten years I am entitled to receive a bill, a reason for owing {$450.00}. This is UNACCEPTABLE. They are trying to forclose on my home.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

On XXXX XXXX I opened on line savings account with Synchrony Bank and transferred {$5000.00} to this account from my XXXX checking account. Several days later, Synchrony advised that the account was closed for business reasons. I requested Synchroney to transfer my {$5000.00} back to my XXXX savings account. It is now three weeks later and Synchroney will not return my money and I have made many calls to Synchrony. This is a major bank stealing money.
Consumer complaint received 2019-01-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

they are charging me interest outof this world and i told them i did not have XXXX $ after i only took out the loan for XXXX $ and paid them XXXX $ something like 5 times and i still owe more than the XXXX then they will not stop from hitting my bank account after i asked them too
Consumer complaint received 2022-08-15
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. (NY)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-01-13
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. (SC)

I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I asked Transunion to verify this account multiple times since I dont own this account and asked for my bearing signature on the agreement with XXXX XXXX or anything that I have agreed upon. I wasnt provided with any details this is impacting me a lot and violating my rights. 
XXXX has already verified this account isnt mine and provided me with every detail in a professional way. I would want this account to be immediately deleted from my credit report. 
XXXXXXXX XXXX XXXXXXXX Submitted on XX/XX/2023 File number XXXX Completed on XX/XX/2023. 

Second. 
Dispute. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  DISPUTE REASON : Ownership I have no knowledge of this collection account. 
I asked for documents and proof of this account as well but none was provided. Please delete this immediately.
Consumer complaint received 2019-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

I am a victim of trafficking for debt bondage for a debt that I did not benefit from. There is a instrument identified as XXXX XXXX XXXX that has been recorded without my authority and without the acquisition of XXXX XXXX XXXX XXXX, the holder in due course. I need XXXX XXXX XXXX XXXX and its successor Ocwen Loan Servicing to provide information regarding its involvement in which has transacted business without my authority. ( See Attachment Trust Deed ) History XXXX XXXX XXXX XXXX ( acquired by Ocwen Loan Servicing, llc sometime in 2011 ) recorded a Trust Deed Document # XXXX XXXX which purports it was the attorney in fact for XXXX. 

Question # 1 : Was XXXX the attorney in fact for XXXX? If yes, inform me as to how XXXX obtained the account? i.e. : XXXX purchased an asset? AND from whom? i.e. XXXX XXXX and XXXX, XXXX XXXX ( a holdings company ) a private party, private broker or other? 

Question # 2 What is the exact description of the property involved? e.g. real estate immovable, land and building property OR tangible personal property? ( vessel, furniture, fixtures, tools, machinery, household appliances, signs, equipment, leasehold improvements,  supplies, leased equipment, and any other equipment ).
Consumer complaint received 2023-03-27
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2018-11-26
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. (MD)

Public record of bankruptcies is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt. Also XXXX  has removed 22 accounts, but Experian states they verified the same accounts. I thought the credit reporting agencies use the same method of verification. How can one credit reporting agency come back with something different if they use the same method of verification. The accounts that have been removed by XXXX  are XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had already resolved this issue made a complaint against XXXX XXXX and XXXX XXXX with CFPB XXXX now theyre bugging from Portfolio Recovery Associates! I would like for you to find because since youve sent notification. They called me on Friday XX/XX/18 to harass me! 

Why dont you fine XXXX XXXX, XXXX XXXX and now Portfolio Recovery Associates for harassment under FDCPA FCRA????