davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (FL)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX-XXXX  FOR VERIFICATION.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year>, I became a victim of a scam through XXXX XXXX. Scammer/hacker logged in to my XXXX XXXX account and used my saved payment details to send money to themselves. 2 unauthorized charges were made amounting to {$800.00} and {$910.00}. I immediately called my bank, Truist, to cancel my card which they quickly did. I filed a claim with Truist to dispute the charges since these were not authorized by me but they denied it saying I was a victim of scam. Please see attached file Error Resolution Form that I submitted to Truist for the complete details on how these unauthorized charges occurred. I also contacted the merchant ( XXXX XXXX ) and they have confirmed that my account was compromised and someone used my payment details. I was clearly a victim of scam and these charges were clearly unauthorized and fraudulent so I do not understand why the dispute was denied. I have also attached my communication to the fraud team of the merchant for your reference. In addition, I attached the receipts which are authorized for comparison to those 2 unauthorized in dispute. Please note that the hacker/scammer changed the mobile money number of one my saved recipients in my account so they could receive the money. Please let me know if you need further information and supporting documentation.
Consumer complaint received 2021-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had reported 10 disputed transactions back in XXXX of 2020 for which the merchant owes me credit. The bank has not credited these items to date. The bank claimed they are outside of the Visa timeframes, a time frame that is disputed by my attorney and confirmed by Visa USA. Per Visa this is my only recourse and this dispute function is the only redress available for my situation.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (CT)

I started accruing maintenance charges in XXXX of XXXX despite increasing balances. 

XXXX {$25.00} Maintenance Charge XXXX {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2022 I was trying to rent an RV on the website RVShare. I originally found an RV but the owner had put in the description that I had to contact them on XXXX before booking to see if my dates were available. I contacted the owner 's XXXX number XXXX. The person XXXX XXXX aka XXXX XXXX wrote that the RV I wanted was not available. XXXX suggested some other RV 's that were available. XXXX wrote that if I booked that night they could give me a discount. I wrote OK. They sent me a link to start the process. I opened the link. It looked like the XXXX site but now I realize that it was fake. When I tried to pay for the booking on that site my bank debit card was declined. I informed XXXX of the problem. XXXX states that I could use XXXX. I told XXXX that I don't have XXXX. XXXX suggested that I use XXXX or XXXX. I said I could try to use XXXX. XXXX stated that XXXX was going to charge too high of a fee and I should get the XXXX app and do it that way. XXXX gave me the email XXXX to send the money to by XXXX. I obtained a XXXX account through my checking account at Chase Bank. I sent the money in 3 payments. After the first 2 payments ( {$2000.00} and {$120.00} ) were made, I received an agreement to sign from the email XXXX. The agreement stated that I need to send {$1000.00} to purchase insurance for the RV. I eventually sent the {$1000.00} by XXXX to XXXX. XXXX stated that she was wrong and the correct email for the insurance payment should be XXXX. XXXX suggested that I have the bank cancel the previous {$1000.00} payment and I send he {$1000.00} to the correct email by XXXX. I told XXXX that the bank has already sent that money and I could not cancel it. At this point, XXXX has told me they are trying to sort it out. I have not received the agreement back with their signature. I am now convinced that this is a fraud. I found the business address XXXX XXXX XXXX, XXXX, CT XXXX on XXXX. It is a vacant house for sale on XXXX. 
I also called the # ( XXXX ) XXXX on XX/XX/2022 at XXXXXXXX XXXX and a person with a deep voice answered. I asked who he was and he answer " you called me ''. I told him I was looking for XXXX XXXX  to rent an RV. He told me to contact him on XXXX. I asked him if he was XXXX. He said yes. It appears that these scammers have several RV listed on the RVshare website with the same instructions to get in contact with them by XXXX or Text before booking. ( Same # XXXX and use the name XXXX XXXX XXXX I have copies of the emails, the XXXX chats, the agreement, bank receipts that I can forward to you. I have been in touch with RVshare and they said there was nothing they could do. I have been in touch with my bank which is Chase and they have informed me that there is nothing they can do and the matter is considered resolved. Thank you.
Consumer complaint received 2022-09-22
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( XXXX ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than 7 years 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-22
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. (CA)

In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity
Consumer complaint received 2022-10-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX attached is what experian and XXXX XXXX reporting ... if they both get their source from XXXX then  why are they inaccuracies on the report .... 
DATE LAST ACTIVE EXPERIAN XX/XX/XXXX WHILE XXXX XXXX BALANCE EXPERIAN {$7400.00}, WHILE XXXX XXXX 
LAST PAYMENT EXPERIAN XX/XX/XXXX, WHILE XXXX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like the 3 Credit Bureaus : XXXX XXXX, TransUnion to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my credit file.
Consumer complaint received 2021-01-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC (IN)

The vehicle I had in connection with this company was wrecked and totaled out in XXXX. Between my insurance and the gap insurance on this car, all debts were settled and a check was issued to me. That was the end of my dealings with this company. In XX/XX/XXXX, Autotrakk contacted me about a remaining balance. I asked them for the documents that proved this debt and was put on a long hold before they came back on the line and told me they couldnt find the paperwork that showed this debt being owed. That same day, I notified my attorney. Within 2 business days, my attorney sent out a letter to Autotrakk for them to verify the debt. There was never any response to that letter. Now today, XX/XX/XXXX, Autotrakk is calling again still claiming that I owe them money and still not able to produce the documents that verify the debt. 
The representative is claiming that this debt is being reported on my credit. I will be disputing that debt TODAY.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc (TX)

I got a lot of alleges on your response back I can currently screenshot all the emails I sent after responses Especially when I told we will contact you 2-3 days and I get contacted over a week later I have the emails And also why is there a rep sending me a email which is XXXX saying the account is being removed within 30 days but now your saying its inaccurate information?
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureau are reporting inaccurate information on CREDENCE RESOURCE MANAGEMENT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this collection account from my personal file. 
CREDENCE RESOURCE MANAGEMENT XXXX Date Opened : XXXX. XXXX, 2021 Balance {$270.00} CREDENCE RESOURCE MANAGEMENT ( XXXX XXXX  ) ***** Date Opened : XXXX. XXXX, 2021 XXXX {$270.00}
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (FL)

Information on my credit report was not validated in time in 45 days & multiple disputes letters sent over 6 months. information in inaccurate on my credit report. Fair reporting Act was violated.
Consumer complaint received 2020-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NC)

I received a Verizon Visa credit card offer thru Synchrony Bank, signed up for the offer and was approved. The offer promised to save me {$10.00} a month on my Verizon bill, but I never received a discount and instead was given a {$28.00} fee. My Verizon bill was already set up for autopay but Synchrony Bank never sent me a paper bill. Three months later I received a letter from Synchrony Bank stating : When you were approved for your Verizon Visa signature card account, you agreed to go paperless with your statements. We have noticed you have not registered or have not completed registering at Verizonvisacard.syf.com to use online account services and have removed you from the electronic statement process. We will now only send you paper statements. Please register or complete the registration process at Verizonvisacard.SYF.com and re-enroll to receive electronic statements. You may have a payment due. Please register and view the status of your account ... ..

I registered online per the instructions in the letter to discover in the online information provided that I was not saving {$10.00} a month as promised and instead was assessed a {$28.00} late fee. I was not sent any paper statements so I was completely unaware of the overdue bill. I paid the statement balance online in full immediately. My credit score is in the 800s and I am an extremely responsible person so I am confused as to how this happened and can only assume I was scammed by Verizon and Synchrony Bank with their intentionally confusing credit card offer. I called the customer service number  provided in the letter, XXXX, and after going through Synchrony Banks automated system to reach a live agent I received an automated message that the number was no longer in service. I called back several more times and was still not able to reach a live agent, receiving only a vague message to try again later. There was no option to contact anyone via email or any other way other than the phone number that obviously didnt work. I feel I have been taken advantage of by both Verizon and Synchrony Bank. The lines are intentionally blurred so that you dont know which company youre dealing with. Its intentionally misleading and both companies are profiting by it.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (MA)

There was fraud reported on the 2 separate debit cards and they refused to return my money. They said there were doing an investigation and have done nothing and refuse to return my money. 

Money was stolen and deposited into a XXXX account. I called XXXX and they agreed there was fraud and they returned the money to the debit card. 

Vanilla prepaid cards ( Incomm ) is a returning my funds.
Consumer complaint received 2022-10-08
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: DISCOVER BANK (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

These accounts were opened fraudulently Discover XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-27
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. (NY)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My mortgage loan was sold to NewRez LLC in XX/XX/XXXX. I have an escrow account to pay my property taxes and homeowners insurance premiums. My property taxes were due in XX/XX/XXXX, with penalties for delinquency if not paid before XX/XX/XXXX. On XX/XX/XXXX I contacted the mortgage company because the taxes had not been paid on my behalf. I was assured they would be paid on time. On XX/XX/XXXX I became aware the taxes had not been paid, although my mortgage statement reflected the amount due for taxes had been debited from my escrow account. 

Since XX/XX/XXXX ( day i learned taxes were delinquent ) I have tried to contact the mortgage company repeatedly, with calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally I emailed their customer service with a copy of the notice of delinquent status on my taxes from XXXX XXXX NC, which also reflected late fees that had been accrued so far. 

I have been unable to get any resolution, I continue to be given no date for resolution and just the same information I already have - that the amount had been taken out of my escrow account. 

I need help with this matter before the tax penalties continue to increase, a new penalty is due to be added on XX/XX/XXXX. 

Thank you.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (MD)

I have never admitted to owing Westlake Finance over {$16000.00} because I DO NOT. I don't receive correspondences from them as I have been requesting since 2018 such as the contract proving that they do own my account and that I so call owe them the amount they claim I owe them. This account has destroyed my credit score as as a result of their poor handling with providing proof and substantial documentation. 
I have disputed this account numerous of times and the credit bureaus continues to say they have verified this account accurately which is not true and is a result of violating my rights as a consumer.
Consumer complaint received 2022-09-26
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: SYNCHRONY FINANCIAL (AL)

I have purchased a fridge on amazon.com on XX/XX/2022 and the fridge was delivered on XX/XX/2022 but when we opened the packaging there was a huge damage to the front of the fridge so I rejected the fridge and refused delivery. The amazon driver was still at my home so he called amazon and he was told to return the fridge back to Amazon warehouse on XX/XX/2022. Until today XX/XX/2022 I still have not received a refund on this item from amazon. I called synchrony bank and disputed the charge of XXXX dollars from XX/XX/2022 against amazon on XX/XX/2022 but Synchrony Bank is NOT helping me resolve the issue and they have not given me a credit for the disputed amount and they have not resolved the issue. This charge is for an item that was rejected and refused delivery and returned back to amazon. I do NOT have the item and synchrony bank should resolve the dispute to my benefit and issue me a refund and a credit to my account for XXXX dollars. This is a very simple disputed charge claim. The item was returned to the seller so I should get a refund of my money XXXX dollars Transaction date is XX/XX/2022 Amazon.com for XXXX dollars