davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (IL)

Hi I have tried to fix this false reporting with Transunion last month and they didn't update the inquiries I had. I need these inquiries being reported to be removed, they are unauthorized. I have attached the letter I sent to them and they have no proof of this error they are reporting. This is dramatically effected my life and has me getting denied for cars and apartments. I am now homeless and carless because of these unauthorized inquires.
Consumer complaint received 2021-10-21
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: NAVY FEDERAL CREDIT UNION (DC)

On XX/XX/2021 & again after reopening and reviewing the claim on XX/XX/2021 my claims were closed.The last explanation given from my financial institution was to get merchant to agree to refund, and then Ill get my money back. The amount is {$570.00}. The financial institution requested email and phone correspondents, ticket confirmation, and the refund policy from merchant. All of which were provided. Merchant event stated event was still scheduled however the event happened 3 months prior. I have been actively disputing and trying to contact merchants and updating information with financial institution to no avail.
Consumer complaint received 2021-10-21
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: ALLY FINANCIAL INC. (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2021-10-21
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: JPMORGAN CHASE & CO. (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (FL)

I took out some loans with Possible Finance in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, placesand abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME. For the XX/XX/XXXX, I paid off the loan XXXX!!! EXPEDITIOUSLY REMOVE ALL OF THE LATE PAYMENTS FROM ALL CREDIT REPORTS EXPEDITIOUSLY OR PAY {$34000.00} to {$100000.00} IMMEDIATELY!!! IF YOU FAIL TO COMPLY MY REQUEST, YOU ALL CAN AND WILL PAY ME {$100000.00} IMMEDIATELY ALONG WITH THE IMMEDIATE REMOVAL OF THE LATE PAYMENTS AND MY CURRENT LOAN PAID IN FULL OR IN ADDITION TO REMOVING THE LATE PAYMENTS, {$100000.00}, PAID IN FULL FOR MY CURRENT LOAN, I WILL GLADLY HAUL YOUR XXXX  TO COURT UNLESS YOU ALL REMOVE ALL LATE PAYMENTS, PAY {$100000.00} and PAY OFF MY CURRENT LOAN EXPEDITIOUSLY!!!
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DC)

LoanCare made an erroneous unauthorized disbursement from my escrow which caused my escrow to become short. I used this disbursement to pay my property tax bill which was still outstanding. The company then made an additional payment to my property tax bill causing there to be a credit balance. I have persistently called the company week after week to ensure this credit balance will be collected and applied back to my escrow, however, this hasn't taken place and I can't even confirm if they reached out to the Office of Tax and Revenue at all. The company has placed a prorated shortage on my mortgage bill and refuses to provide a credit to my bill to fix their mistake.
Consumer complaint received 2021-05-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: College Ave Student Loan Servicing, LLC (MI)

On XX/XX/XXXX XXXXsomeone tried to open up a fraudulent loan under my social security number at college Ave and XXXX I notified them that it was not me in the account was fraudulent and ask them to send me documentation to prove that the loan had been terminated in which I called on the XXXX XXXX XXXX XXXX trying to obtain documentation in which I have not received any and the company is not helpful whatsoever trying to clear up this fraudulent matter knowing that I'm the victim
Consumer complaint received 2023-01-09
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-21
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. (CO)

When I checked my credit report I was shocked to see a account of XXXX this is identity left and fraud this is not my account, I want this account removed and never put back on my credit report again. 

According to the Fair Credit Reporting Act you must provide MAXIUM possible accuracy Pursuant 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to Transunion, XXXX  and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from Transunion on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from XXXX or XXXX about my requests.
Consumer complaint received 2018-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JAMES B. NUTTER & COMPANY (TX)

On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.
Consumer complaint received 2020-10-30
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. (CA)

I hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TN)

On Tuesday, XX/XX/XXXX, my parents received a call for me concerning my Citi Simplicity Card.  This is very odd, as I have lived on my own for 11 years, and Citi does not have this number on file for my Credit Card. On Wednesday XX/XX/XXXX, I logged into my account and was greeted by a splash screen to contact their Customer Service Department at XXXX. I immediately call this number, and I am asked to verify my identity. I provide all the correct information ; however, the representative claims they can not verify me. I am then asked to provide them with a credit card account from another bank. I decline to provide this information, I am then asked to provide my bank account information. I declined to provide this information, and asked to speak to a supervisor. The supervisor stated that all they could do was mail me a letter to my mailing address, in 5-7 business days. Approximately 5 minutes after hanging up from the supervisor, my mother calls me to state Citi was looking for me at their house again. Thinking this was odd, I called the number on the back of my credit card. The representative told me that there was a problem with my account, but he did not know what it was, and that he would call me back on my cell phone. I waited 24 hours with no call back and called the number on the back of my card again this morning, XX/XX/18. I was greeted by a female representative that took all my information, and then states they are having technical difficulties, so I should call back in one hour. Later in the day I call the number again, and XXXX tells me that she can not verify my information. After a heated conversation, she says she has to mail me information, and requests my mailing address. After hanging up with XXXX, my wife calls me to tell me that XXXX from Citi called her cell phone looking for me. Again, this information is not listed on the account. So I call back, as I am pretty angry at this point. to see Why they seem to have information related to me, that is not a part of my account, yet they can not verify my account to tell me what they deem is wrong with my account.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (NY)

I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY REPORT.
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened up a Chase Total Checking account online XX/XX/2021. Within 15 minutes of opening the account, it was locked for suspicious activity. I went to the branch the next day, brought my two forms of ID, sat down with a banker and was on the phone for about an hour. At first, the issue was because I used a XXXX and my geographical location was elsewhere compared to my home address. I work inXX/XX/XXXXso I secure my devices. That's fine, the account was unlocked after verifying and I was good to go. On XX/XX/XXXX, I opened up four savings accounts online to separate funds for budgeting purposes and had around {$5800.00} split between them. XX/XX/2021, my account gets locked out again. I called Fraud, they said I need to bring my social security card, drivers license, and proof of address. I went to the branch that same day to be in person, the banker called Fraud, and they said the same thing to the banker, I need those three forms of ID. I went back XX/XX/XXXX with THREE forms of proof of address, my drivers license, concealed license, social security, and PASSPORT, that wasn't sufficient enough. I was told then and there that the account was being closed, and they wouldn't provide a reason. I asked the banker if I could get my money and just go open an account at another bank ( since I was already tired of the situation ), they said I had to wait 10 business days for a check to then be mailed out. I was also told after that, I was allowed to open a new checking account there in the branch with two forms of ID. How does that make ANY sense? I went back to work but wanted to still find out WHY my accounts were being closed. I called Fraud again and the lady wouldn't tell me why it was being closed other then they needed to verify my ID. She then said everything I previously provided wasn't good enough and tried saying a notarized letter from my parents ( I live with them and they own the house ) saying I'm actually living there and am there child should suffice, as well as trying to give a bank statement from another bank. I called the branch again and said I would email a bank statement from XXXX XXXX XXXX. I did just that, they got on the phone with Fraud, and they allowed me to withdraw all of my funds but still wouldn't tell me any details. I want an answer as to why all of this occurred. I don't feel it's right to do all of this and give no reason at all. And was the credit card I had with Chase for several years now closed? A card I always paid in full every month?
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-02-24
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. (MI)

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. However, it has been more than 30 days, and I have not received a response regarding my investigation. This is not making any sense. To follow up, I sent another letter last week with certified mail with tracking number ( Equifax ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX, ( XXXX ) XXXX XXXX : XXXX Based on the documents I provided, the credit bureaus can see that I am aware of my consumer rights. Therefore, I demand that all accounts that negatively affect my credit score and violate my consumer rights be removed immediately. 

In accordance with Fair Credit Reporting act, everything has to be 100 % accurate on my credit report. 

Please see the attached documents as confirmation of my identity.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (AL)

Credit Collection Services has contacted me repeatedly from different numbers, including before XXXX XXXX and after XXXX XXXX, after Ive told them stop contacting me and to send in writing. I have had to block several numbers and in return they will call from the caller id unknown.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Two different account numbers and charges. 
XX/XX/2019 amount owed is {$360.00} XX/XX/2019 amount owed is {$330.00} Neither one of these are mine. I have filed an identity theft report
Consumer complaint received 2021-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (PA)

They contacted my parents and stated that I gave them their phone number as a contact number. I have never and would never ever give my XXXX or XXXX 's phone number to a debt collection agency. I have talked to them and I told them I would try and pay the debt as soon as possible. They have called my phone once to twice a day, and now they are contacting family members.
Consumer complaint received 2018-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MI)

I would like to make arrangements to settle the above referenced matter.

Please provide me with your statement of the amount owing as of XX/XX/2018, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I called Bank of America XX/XX/2018 regarding a {$22.00} interest charge on my statement after the previous statement was paid off. It is my understanding this is considered dual cycle billing, which the Credit Card Act of XXXX banned. I called Bank of America but they refused to credit the interest. I recently had the same issue with XXXX and XXXX, both of which credited my account.
Consumer complaint received 2021-10-21
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: STATE EMPLOYEES CREDIT UNION (NC)

I am a victim of identity theft. I have contacted this company XXXX XXXX  XXXX XXXX ) now in collections with ( XXXX XXXX XXXX ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. XXXX XXXX XXXX only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done State Employee Credit Union will not remove the account as well.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In XX/XX/2017, XXXX XXXX XXXX reported my account as 30 days late during a disaster relief period here in XXXX for Hurricane Harvy. I initially made a loan modification for 2 months when I had asked for 3, they refused but said to call them back if I was still having trouble at the end of 2 months. When I called them back they readjusted the loan payments and I began paying on the modified loan. I checked my credit report and found that they reported a 30 day late in XXXX. I called the company twice to fix this. I even contested with Experian and asked them to verify. To this day the late is still reflected and the company will not explain why they suddenly changed their policy to report me during a declared disaster period.