davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IN)

I purchased a vehicle back around XXXX of 2019. Roughly 1-2 months later, I paid off the entire financing on the loan at once, which was acceptable since there was no early pay-off clause in my contract. 

That same day or two-day period, I called Hyundai Finance 's Customer Service Center and had them change my address as I was moving from XXXX to XXXX. Calling back in about 2 months later, I found out they had recently sent my title to XXXX and that it was unrecoverable. 

Since then, I've called 5 different times to get a Lien of Release, and each time they claim to send it, but it has NEVER arrived at my apartment ( I have a mailbox that locks, so it wasn't stolen ). They won't do anything to help me resolve it, nor will they show any proof of sending it. I can now no longer drive my vehicle since it needs to be re-registered in Indiana but I don't have a title or lien or release to do so. Please help!
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

I applied for a Citi Best Buy credit card back in XX/XX/XXXX and I was told that I have to go to a store with a picture ID and a credit card that I had open for a year and I show it to a store manager and I was approved with XXXX credit limit and my card was mailed .... and I access the website bestbuy.com.. and my card was canceled/shutdown for possible fraud and I havent use the card and never received it ... now I dont have patience for mails and I was told I failed the verification and I have to wait for a letter to be send to me in 7-10 days and Im considering closing this account if this keeps up ... I have a life and I need to work not sit around waiting for a letter to show up
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I informed Chase about two fraudulent withdrawals from my checking account, one on XX/XX/XXXX in the amount of {$220.00} plus a {$2.00} withdrawal fee, and another on XX/XX/XXXX in the amount of {$140.00} plus a {$2.00} withdrawal fee. I never withdrew these funds, and have never visited these ATMs ( in fact, I have not pulled money from an ATM at ALL since XXXX ). One of the ATMs is located in Colorado, a state I have NEVER set foot in. Without asking me for any evidence, Chase denied my claim. I then contacted Chase to explain to them that I could furnish additional evidence, such as evidence of my whereabouts during the transfers, and that I was willing to file a police report. The woman I spoke with told me that was not necessary, because based on my past use of my debit card and other factors, Chase would approve my claim & refund my money. Instead, a couple days later, Chase again denied my claim without explanation. I do not believe Chase has actually investigated the fraud on my card. I work for a XXXX XXXX and, during both transfers, was in a XXXX XXXX working ( this can be verified upon request ). Chase has done nothing to obtain actual evidence about this fraudulent use of my checking account, despite fraudulently promising to do so. In addition, Chase fraudulently represented that I did not need to provide additional evidence because my claim would be approved ( Chase records telephone conversations, so the representative 's comments should be easily accessible. )
Consumer complaint received 2020-10-08
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: SYNCHRONY FINANCIAL (NC)

The was an illegal inquiry/pull of my credit report by syncb paypal in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with syncb paypal or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after syncb PayPal sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including SYNCB/PAYPAL acknowledgement of illegal account and the request to delete it from XXXX  XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.
Consumer complaint received 2020-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I have a complaint against Citibank and Macys. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to each creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Citibank and Macys removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

XXXX Bank accounts were requested to be opened with Wells Fargo, XXXX XXXX XXXX XXXX and XXXX. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.
Consumer complaint received 2021-05-21
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. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2016-07-07
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime (PA)

As the debtor and consumer ( natural person ) who was involved in a consumer credit contract in XXXX of XXXX, I am exercising my rights under 16 CFR : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The reason for exercising my rights is due to the fraudulent practices conducted by the seller in regards to my NEGOTIABLE INSTRUMENT. I am exercising my right to rescind/ revoke the seller as POA. Representatives of the seller kept referring to " the CONTRACT '' I signed but according to 16 CFR 433.1, a " contract '' is between the creditor and seller ( or if the credit and seller are bonded by common ownership ) while a " consumer credit contract '' is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. According to XXXX law 's dictionary, an instrument is evidence of an alleged debt, normally in the form of a cash advance, such as a check. However, during the transaction, I, the consumer, did not receive a check nor did I receive the title to the vehicle on the consumer credit contract. The reason this transaction is now void and fraudulent, is the violations of the Truth in Lending ACT 15 U.S. Code 1605 in particular regarding the " finance charge. '' All violations can be found under 15 U.S. Code 1605 as the finance charge ( also under regulation Z ) states the finance charge is the sum of all charges. There should not be a list of several charges appearing on the consumer credit contract. All amounts should be under the finance charge. Next, there should be amounts paid in the form of a cash transaction under the finance charge but there was a {$200.00} cash payment at the point of the consumer credit contract. Lastly, 15 U.S.C. 1605 states insurance is part of the finance charge unless two requirements are met, one being the creditor /seller should tell the consumer he/ she can choose whatever insurance provider that is approved by the creditor / seller and the other requirement is that the creditor / seller tells the consumer what the cost for insurance would be if the consumer obtained insurance from or through the creditor / seller. The second requirement was not met in the XXXX.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (GA)

My first mortgage which is a senior lein and we are good standing with, was not contacted, nor have they been paid and my balance with them is 50 % more than the junior lein [ second mortgage ] amount stated due. They allegedly foreclosed on my property without contacting the first mortgage and neither did they contact me. My home was unlawfully, allegedly foreclosed on by RRA CP Opportunity Trust2. They used fraudulent assignments to convey the deed. I never signed the " borrowers waiver of rights ''. They created this trust for the purpose of foreclosing on my property. I never received any notification or correspondence from this company in 16 years. Once I have contacted them to correct this problem, The issue has not been resolved. There is a title issue involved. there is no foreclosure deed recorded. Only an assignment that was signed by a known robo-signer [ XXXX XXXX XXXX. Fraud can not be the basis of obtaining a deed and this is the practice of this company. There has been many cases filed in the US sighting this company and this robo-signer as well as a witness on the assignment for fraud. Would you please investigate this and open a case for mortgage fraud.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WY)

I have disputed inquiries on all XXXX of my credit reports that are not mine. I have even placed a fraud alert on my credit file and they are still reporting these inquiries which are not mine. I have called the credit reporting agencies, faxed letters, and done on line disputes and they still are reporting these inquiries in which I have not applied and the companies have no permissible purposes. Notice the inquiries which were accurate I let them know. My family went through a tornado in XXXX 2016, and have not applied for new credit, we were injured and out of work for 4 months so there was no reason to try to get new credit without being employed. Also on one of my credit reports I had XXXX ssn 's on there that were n't even mine. This needs to be corrected. The glitch in XXXX I believe may have something to do with some of these inquiries.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (VA)

I had a payment taken out of my checking account on XX/XX/XXXX in the amount of {$340.00} by Wells Fargo for my student with loan with them. I never authorized this payment, nor was it needed. My account was current, and the next payment due date wasn't for another month. When I contacted Wells Fargo, they denied that a payment was being processed. They still have responded to my requests the payment be canceled or returned, as again, I did not authorize it and it was not needed. I do find the most troubling part, that Wells Fargo has denied this payment was happening. It clearly shows the payment posted on XX/XX/XXXX, on both my WellsFargo.com account, and with the bank that my checking account is with.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

I damaged my ReliaCard and I ordered a new one. Soon after, I got logged out of my account and I couldnt use my card online. Then, when I finally got my replacement card, it still wasnt working anywhere. I contacted ReliaCard and the PA Treasury. ReliaCard states that the problem is not on their end, and when I tried to call the PA Treasury, they said they dont know when Ill be able to use my card again.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-09-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Consumer complaint received 2020-10-15
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: SYNCHRONY FINANCIAL (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (CA)

PayPal XXXX  Customer Service Subject : Dispute of Fraudulent Account Opening - PayPal XXXX  Account Ending in XXXX Dear PayPal XXXX  Dispute Resolution Team, I am writing to formally dispute the opening of a PayPal XXXX  account under my name, which I believe to have been done fraudulently. The account in question was opened on XX/XX/year>, and is associated with the account number ending in XXXX To provide context, I recently discovered that someone who used to live in one of the rooms in my house had opened multiple accounts under my name without my authorization. This same individual was previously found to have fraudulently opened a PayPal Credit account ending in XXXX, a case for which PayPal has already ruled in my favor. 

Given the circumstances, I am confident that the PayPal XXXX account in question was also opened without my knowledge or consent. I request that this account be closed immediately and that any charges associated with this account be removed from my credit history. 


I kindly ask that you conduct a thorough investigation into this matter and provide me with written confirmation of the account closure and removal of any fraudulent charges from my credit report. Please also ensure that no further attempts to open accounts under my name are permitted without stringent verification measures. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX.