davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: CITIBANK, N.A. (SD)

On XX/XX/XXXX, I made ONE purchase at XXXX XXXX XXXX for XXXX. When I received my XXXX billing statement, XXXX transactions were billed. I first called the merchant, who advised he only had record of XXXX transaction. I immediately filed a dispute online in their dispute center. I was initially provided with a provisional credit by Citi. A few weeks later, I was rebilled this transaction, stating it was authorised. The documentation provided as evidence was for the ONE transaction I authorized. I completed their request to sign a form attesting that I only authorized one purchase. I was then provided an additional provisional credit. However, that credit was reversed without any indication as to why.

I reached out to Citi, without much resolve and was told to call. I did speak with a representative, who did confirm the merchant 's latest response was that I did in fact only make ONE purchase and the second is an error. She was not able to answer why I was rebilled and stated she would submit a request to correct. I received an electronic update, stating they were working with the merchant and his bank to resolve, yet the amount remained on my account. 
About 10 days later, a new billing statement was sent WITH the incorrect amount still on my account and a minimum payment requested. I engaged Citi again, was told it was still being worked on. 
XXXX ) Why am I in the middle of the merch, their bank and Citi? I should have been given the credit to may account. 
XXXX ) This was not resolved within the time frame allowed per Reg Z. My initial dispute was in XXXX. I received a billing statement in XXXX, XXXX and XXXX. That is greater than XXXX complete billing cycles.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX, around XXXX XXXX, I received a phone call from Chase Bank asking if I agreed to a {$4700.00} payment. I told them that I had not agreed to anything, and the caller said that if I provided my detailed information, they would cancel the payment. I went ahead and provided my detailed information just to be cautious. Later, I called the bank directly just to make sure. The bank informed me that while I had not given consent, another co-signer, who happens to be my wife, had agreed to the payment. It is impossible for my wife to have agreed as she does not speak XXXX. The bank mentioned that they would conduct an investigation, but the outcome of the investigation was that they could not refund the money.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (KS)

I recieved a Prepaid Debit MasterCard in the mail from All-Access Netspend Bank. They included an account number and routing number along with a deposit agreement and Overdraft protection information.

I did not request this card and don't know who they are.

I called the number on the back and the only options I was given was to activate the card by text message or enter my SSN so they could activate it that way. There was no way to talk to a representative. 

I called their sponsoring bank, XXXX, who automatically transfered me to NetSpend which gave me the same options as before. 

I had to call their rewards program to get ahold of a customer service agent who had to transfer me to XXXX who had to transfer me to NetSpend to have them tell me that it was a promotion and that they opened a bank account in my name and sent me a debit card as a promotion.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

( Please See Attached Documents ) This happened on or about XXXX XXXX, I went to Bank of America atm system to withdrawal my last {$40.00} out of my checking account. I went to use the local metro subway to purchase the metro card as I gave the lady one of the {$20.00} that BOA dispensed out of the atm system and to hear the little money I do have is fake. I was flabbergasted to hear such words. I immediately gave her the other {$20.00} and she was able to collect such. Now I am stuck with a fake {$20.00} bill and now no money. That caused me great embarrassment and distressed. I am a elderly and to hear my last little dollars I do have is fake, from such a large company like BOA. I put my trust into this banking institute. I immediately went to BOA to have this matter addressed only to be looked as a fraudster. To take the {$20.00} and not reimbursement for this distraught moment I had to endeavor. The branch said to me that they would investigate the matter and I would be notified. I allowed weeks of communication through email and countless times having to go back into the branch to only get no end result in my dispute FOR SIMPLY {$20.00}. Now as I stated, BOA you are a large company to you {$20.00} is chump change, but to me the consumer that was my last, my all, and I am loooking for the reimbursement. I still hold on to that because the level of stress it has caused me.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (CA)

AmeriHome Mortgage transferred my mortgage loan to XXXX XXXX in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. AmeriHome told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX  but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX  told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX  and I was finally able to make my XX/XX/2019 payment. 

However, AmeriHome reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.
Consumer complaint received 2020-08-24
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

First Savings account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX  account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX XXXX account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXX XXXXXXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Consumer complaint received 2021-10-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dorough & Dorough, LLC (GA)

THIS ATTACHMENT SERVES AS AN ADENDUM TO REPORT XXXX SUBMITTED XX/XX/21, I AM REQUESSTING A LEDGER OF ALL PAYMENTS WHICH WERE COERCED FROM THE CEO OF XXXX XXXX XXXX  THROUGH TREATMENT AND ATTACHMENT AND BONDING CENTER OF XXXX. I AM UPLOADING ONE COPY OF THE OFFICIAL LETTER OF FILING. DOROUGH AND DOROUGH LAWFIRM FILED ON THE AGENCIES 2 TIMES. THIS MONEY WAS NOT OWED AS THE AGENCIES DID NOT OWN BUILDING ADDRESSES LISTED. AGAIN, THE CEO 'S EX BUSINESS PARTNER EMBEZZLED MILLIONS OF DOLLARS VIA THE SBA UTILIZONG CURRENT CEO 'S INFORMATION. UNBEKNOWST TO CURRENT CEO HE SIGNED LEASED FOR BOTH BUILDINGS AND APPEARED TO HAVE DISTRIBUTED MONEY TO ALL PARTIES INVOLVED INCLUDING THIS LAWFIRM. THEY EVEN THREATED TO CUT ALL OF MY WATER OFF AT EACH BUILDING WHILE SERVING CLIENTS. BASICALLY, I WAS HARDMED FINANCIALLY AS I UTILIZED PERSONAL FUNDING IN ATTEMPT TO CONTINUE SERVING CLIENTS WITH MENTAL HEALTH ISSUES. THIS IS SO SAD! THIS MONEY WAS NOT EVEN OWED THEY STOLE FROM ME PERSONALLY! THEY JUST WANT ME OUT SINCE MY EX PARTNER LEFT AND THEY HAD NO ONE TO EMBEZZLE AND LAUDER MONEY THROUGH, I CERTIFY I HAD NO KNOWLEDGE OF ANY ILLEGAL ACTIVITIES MY EX-PARTNER WAS INVOLVED IN, I WAS FOCUSED ON SERVING THE KIDS AND FAMILES WITH MENTAL HEALTH ISSUES. THIS IS ONLY A PERCENT OF ALL THE EVIL THINGS THEY DID TO ME IN ORDER TO REMOVE ME FROM THE XXXX XXXX XXXX.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Consumer complaint received 2021-06-16
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. (MO)

I noticed accounts displaying on my consumer reports that are a violation to my rights as federally protected consumer. I demand these accounts removed from my consumer reports immediately. I sent the on XX/XX/2021 and I have not heard back from XXXX, Equifax, or XXXX. Pursant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a Consumer Report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-24
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I submitted a complaint to the FCC ( Ticket No. XXXX ) re a Company I have been paying on a recurring basis by credit card from USAA FSB. This Company has yet to respond to me or the FCC. My only remaining option, or leverage, is to stop paying them in hopes they will respond and resolve my complaint. 
To that end, I contacted USAA on XX/XX/2020 and asked them to no longer honor the recurring payment. The gentlemen I spoke with ( XXXX ) was extremely courteous and understanding of my problem ; but said they could not honor my request. He further said there was no facility for doing so and once I gave a vendor my credit card info they could submit, and have honored, charges into infinity. My only 2 options are to dispute charges after the fact or to cancel my card and start over ( a move requiring considerable time, effort and possible  issues with my credit. ) If, according to XXXX I had set up a debit card for the payments, then I could suspend or stop same. He could not explain why one but not the other. I have been with USAA for approx. 53 years. 
Through XXXX I, according to him, registered a complaint to USAA but would not necessarily receive any feedback, answer or resolution.??? 
It is inconceivable to me that I can't, through the issuing institution, stop recurring payments on a credit card. Even if I'm willing to pay a fee ( similar to a stop payment on a check ). 
Hope you can help me with this. Thanks
Consumer complaint received 2022-09-20
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. (NC)

THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.
Consumer complaint received 2021-05-04
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Consumer complaint received 2020-10-06
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AR)

In XXXX when i bought the XXXX, i took out a 72 month loan. I talked with XXXX at the dealership, he was the Financial manager. He told me that if i paid extra on my principle it would make my payment go down. I did this every month, never having to pay the full payment until this month. The loan due date isnt until XX/XX/XXXX the amount left on the note is XXXX. This would be XXXX a month. That was my plan when i bought the car, have a small loan payment at the end of my note and XXXX, ( Nissan Financial Agent ) agreed it would work this way. Now Nissan Financial is saying that i have to pay XXXX and my agreed to terms will end a year early. This isnt what i was told or the contract that i signed. If i had wanted a 60 month contract i would have signed a 60 month contract and i would have never had my witnessed conversation with XXXX.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC (IL)

We decided to get solar panels on our home, a rep from XXXX XXXX XXXX XXXX XXXX XXXX came out and gave us an estimate and offered financing. We chose to do the financing option only to find out afterward that Sunlight Financial was not the creditor, it is XXXX XXXX Bank located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and we are only able to get access to them from Sunlight. This institution has participated in fraudulent and predatory lending actions on multiple occasions and in multiple states. We are now on the hook for over {$39000.00} at a minimum for a solar system that hasnt even been connected to the grid. Lets not mention that this institution knew there was bad business practices by XXXX XXXX XXXX XXXX XXXXXXXX XXXX for months and months yet continued to initiate pushy loans to unsuspecting consumers. Now we have contacted both entities to try to remedy this situation, we got nowhere with XXXX XXXX who filed bankruptcy and closed all operations yesterday, we have gotten nowhere with Sunlight Financial either as they claim they are investigating the situation yet we fail to have any correspondence from them. We now have thousands of dollars of useless equipment on our roof, nobody to service said equipment, breaches in contract, and damage to our home from this equipment. This is a multistate issue and needs to be addressed immediately. The financial burden that these people have cost my family is ridiculous and continues to grow. Somebody please help this veteran family!!