davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-10
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-10
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: Mercedes Benz Financial Services (FL)

I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

The pandemic of covid 19 hit and my husband and I both lost a huge amount of our income. I explained this to the loan company and asked for an extension. They repossessed our vehicle, vandalized and stole our personal property from the vehicle and sold it. They are reporting a balance late every month on our credit report. This is impacting us severely in the mist of a pandemic.
Consumer complaint received 2020-11-05
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2019-11-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION (MA)

I attempted to request a Mortgage Modification with my mortgage servicer XXXX XXXX. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting a collection on my account and it is erroneous. I had previously checked my credit and noticed this debt reporting on my credit file. I called and immediately settle the debt with them. The gentleman on the phone said once my payment was received they would be removing the collection from my credit file. However, it's been a few months and it is still reporting. Not only that, this is a medical collection. I NEVER signed a HIPPA patient release form allowing Mountain Land Collections to report this debt and that is a violation under HIPPA. This needs to be removed immediately. The debt has been settled & it is a violation.
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. (FL)

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 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My father and aunt have a joint checking account with JP Morgan Chase Bank, N, A. While my father lived, he granted me POA to access the account so that I could assist with paying my aunt 's bills. Upon my father 's death, I received POA for my aunt. I went to Chase Bank with this POA, and death certificate for my father, and it was rejected ( see Chase letter XX/XX/XXXX ). I have attached a scanned image of this POA. 

This POA had already been accepted by other financial institutions so that I can assist my aunt with her finances. I then executed another POA ( dated XX/XX/XXXX ) for my aunt that I submitted to Chase. I understand that this is the most up-to-date version of the New York State POA XXXX I have also included the scanned image of this POA. I received a letter dated XX/XX/XXXX rejecting this second POA. Images of both of these rejection letters are attached. 

My aunt is XXXX XXXX XXXX and living in the long-term care facility XXXX XXXX XXXX XXXX I ensure that her monthly bill at the facility, and personal incidentals are paid with access to her financial assets. She has granted me the POA to assist her. 

I have spoken with the Chase representative who can not explain the rejection letters I have received. There is no person to speak with at Chase Account Services or their legal department. I do not understand why I am not being granted POA for my aunt 's account. As you can read from the two letters, the reasons for the rejections changed. Out of frustration, I am writing to you in hopes that you can shed light, and hopefully rectify this issue. 

If there is another form that needs to be signed by my aunt, I would like Chase to let me know. Getting these punitive letters is not a solution or a fair, customer friendly, way to handle this issue.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that XXXX marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the XXXX account was one of several accounts involved. 

I informed XXXX of this error and have not received any reply.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (OH)

Moneylion a XXXX company placed a hold on my account Thursday due to suspicious activity so I called like I was asked to not only did they not remove the freeze they refuse to remove it til they investigate my explaination for using the account I've veried my identy on the phone then with emails and still locked out of it I requested a supervisor both Friday and again today with no luck I have XXXX dollar in my account and only paid my lawn service
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (CA)

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-19
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. (GA)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XX/XX/2022
Consumer complaint received 2021-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NC)

XXXX had done a recall on their treads. I had purchased mine and financed through Affirn which was paid off in full and early ( XX/XX/2020 ). My bank account details have not changed but since the account was paid off more than 180 days ago they refuse to send my refund through ACH deposit and will only issue a check which can take 21 business days. I am moving out of state and shared both my current and future address with several people at Affirm. My address wasnt updated and I am afraid my refund check will be lost in the mail and its almost {$5000.00}. I asked them to refund through ACH deposit and they wont. No one can give me a straight answer at Affirm.
Consumer complaint received 2021-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX. 
Account Number : XXXX This is not mine.
Consumer complaint received 2018-02-10
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: BMW Financial Services NA, LLC (FL)

I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2021 Capital One posted a charge of {$190.00} on my account. I have disputed the charge and explained to Capital One that the merchant made a mistake, and a bottle of wine that I bought was only {$19.00}, not {$190.00}. Capital One denied the chargeback request and made the summary determination that no error had occurred, without conducting any investigation or reasonably considering other evidence in its own records, including my spending habits in over 20 years of history with Capital One. Capital One also did not request additional documentation from merchant, such as itemized receipt showing the name of the item that merchant claims I purchased, or inquiring if the merchant has a single bottle of wine in his store that costs {$190.00}. 
Capital One refused to further investigate the matter.
Consumer complaint received 2020-11-05
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX  # XXXX, XXXX XXXX  XXXX  # XXXX
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One, I closed my account aprox, XX/XX/XXXX i had gotten a credit to the account after closing it in the amount {$150.00}, XX/XX/XXXX, capitol one says my account is resricted and can not tell me when i will be receiving the funds due me, called on XX/XX/XXXX, they would not give me a date on when i would be receiving the funds i spoke to XXXX i.d. # XXXX
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-10-19
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. (TX)

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. These accounts are inaccurate & do not belong to me and Experian has failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX.
Consumer complaint received 2019-03-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (LA)

XX/XX/XXXXwas the first date I sent out a certified dispute letter requesting proof that I owe {$1600.00} the loan. They responded with a digital printout without my signature on it. XX/XX/XXXX The company responded back with a printout of a bill without my signature on it.

XX/XX/XXXX I sent another letter asking for proof that I owe this amount as well as proof I owe them.I received no response.

XX/XX/XXXX This company was shutdown by the SEC for fraud and all assets were frozen. The owner went to XXXX and a few of his workers as well. This company is not bonded in the state as well.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2019 ... XXXX XXXX XXXX VIA XXXX REQUESTED CREDIT CHECK ON ALL 3 MAJOR CREDIT AGENCIES. 

I CONTACTED A CORPERATION WHO MADE THE REQUEST AND REPORTED FRAUD. THE COMANY ASSURED ME THAT THE CREDIT INQUIRY WOULD BE TAKEN OFF ALL MAJOR CREDIT REPORTING AGENCIES, BUT FAILED TO DO SO. 

I ALSO WENT ON FREE ANNUAL CREDIT REPORTS, AND COULD NOT DISPUTE THIS PROBLEM AND SOMEHOW DURING MY DISPUTE WITH TRANSUNION I WAS DISCONECTED COMPLETELY AND WAS NOT ALLOWED TO GET MY CREDIT REPORTS. THIS HAPPEND ON XX/XX/2019 AT AROUND XXXX XXXX. 

I TRIED TO GET BACK ON FREE CREDIT REPORTS AND IT SAID MY SESSION HAS ENDED. ALL THREE SESSIONS WITH THE MAJOR CREDIT REPORTING AGENCIES. 

I FEEL THAT I WAS NOT ALLOWED TO CORRET THE ERRONEOUS MISTAKES THAT WERE PERSONAL AND OTHER. 

SOMEONE NEEDS TO REPORT THIS PROBLEM TOTHE FREE ANNUAL CREDIT REPORTING SITE. LET PEOPLE HAVE THE DAY FOR THEIR FREE CREDIT REPORT ... AND DONT DISCONECT THE PERSON WHO IS TRYING TO DISPUTE WRONG CREDIT AND PERSONAL INFORMATION.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Consumer complaint received 2018-02-10
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: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company '' SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2018-02-10
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: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX refused any communication for over a year with my lawyer who was attempting to negotiate a settlement on my behalf for the balance due on a XXXX credit card. I requested that my credit card be closed and XXXX reported the balance as a bad debt write off, yet they continue to report the balance as outstanding for the past seven years to all three major credit bureaus hurting my credit score and making impossible for me to qualify for a mortgage.
Consumer complaint received 2018-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Over 45 days ago, I sent a request to XXXX  and Trans Union asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.