davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (LA)

In XXXX i had a dispute with Bestbuy. 
I tried to get in touch with them for about a month. E-mails calls letter to supervisor by mail. Because i had no luck with contacting them! I called Citibank the bank the card is with .... 
In XXXX Citibank listed this dispute with all 3 credit bureaus ... .I called an spoke to XXXX XXXX supervisor she said shes was going to see what shes could do. Not very helpful .... the account has a XXXX  balance but I cant get Citibank to remove it!!! Im trying to re-fiance because of this virus times are really tough ... But because these dispute are on my reports i can not make the loan until they are removed ... shame on Citibank for doing this at this difficult time. This has caused a lot of Stress Iv written letter e-mails called many many time only to be disconnected. 
Please help I need this loan .. 
Sincerely XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (MI)

I have a couple prepaid visa gift cards that were purchased at Kroger.  The website on the card XXXX has been down for weeks. It allows you to enter all of your information and then loops back to the log in. I'm not able to register a couple of my cards, and then the others I can only find the balance by phone. I can't look at the history to see if everything is accurate. The site worked a month ago, I was able to log in and get history, etc. The customer service # XXXX doesn't answer, no matter what time of day or night you call and that's the number to report a lost or stolen card too! This is so FRUSTRATING. What can i do? The site should at least post a notice telling consumers that it's down and when it's expected to be up and running. Why isn't anyone being held responsible for this?
Consumer complaint received 2020-05-07
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 the credit card was charged {$6600.00} to XXXX XXXX in XXXX XXXX ( I was in Colorado at the time with a hotel receipt, plane ticket, gas receipts, meal receipts, etc ). The charge was stated as 'you disputed the charge because you canceled the charge and expected a credit on your account ' which is first of all, inaccurate. The charge is blatant fraud by a specific individual who stole my identity and used the card and number. 
They ( Chase ) denied the dispute and closed the case and billed my credit card yet I've proven with actual data that I was never there.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Chase United Club Visa is $ XXXXyear. We subscribe to it because I travel a lot for work. 
We paid our annual fee in XX/XX/2019 and use the card primarily for airline miles benefits and access to United Clubs. Once the COVID-19 pandemic started and lockdowns were put in place, I contact Chase to request a pro-rated refund of XXXX, i.e.  half of the term paid. 

They cited they have no obligation to return annual fees and will not be doing so. I have sent several messages to them on this, multiple phone calls, and even spoken with several supervisors. 

It's completely inappropriate that they can simply keep my money for the card program/benefits when it's impossible as a customer to realize the services/benefits for which one has signed up with the card. I see no reason why they can not return the pro-rated unused part of the term and then switch my card product to a non-fee card or just close the account altogether. I don't want another credit product, I simply want the {$220.00} back that I paid for a service/benefit that they can not deliver!!!
Consumer complaint received 2020-05-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00} XXXX XXXX  XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2018-03-12
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. (NC)

Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-06
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. (TX)

I did not authorize anyone employed by XXXX XXXX   ANY OTHER COMPANY, and including the EQUIFAX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the Equifax data breach publicly known.
Consumer complaint received 2020-05-06
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. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2018-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, NV as well as an old po box in XXXX Ca., I have requested numerous times to remove XXXX XXXX XXXX  who is on XXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XXXX ; not only XXXX XXXX XXXX but also XXXX who is on XXXX, University XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX  absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX  XXXX. I would like my bankruptcy case # XXXX filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, NV. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Consumer complaint received 2020-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

In XXXX, Navient had a principal balance of {$21000.00} on 4 loans. I made payments of {$120.00} a month, with a certain amount of the {$120.00} paid to each loan. I pay through Navient.com. On that page it shows my payment that is applied to each loans principal and interest. I paid a few dollars above the interest showing on the web page for each loan. For the entire year of XXXX, I paid {$120.00}, even though the accrued interest for all 4 loans was {$100.00}. Not a single penny on XXXX went towards lowering my balance. In XX/XX/XXXX, I was hit with a {$980.00} increase in my loan balance to where my new principal went to {$22000.00}. This affected my credit report as a derogatory remark, even though I was making payments above the accrued interest on all 4 loans. I called Navient and they informed me that the additional charge was for capitalized interest that had accrued on the account and that for my payments to go down, I had to pay {$880.00} first before I could begin to see a reduction on my principal. This information was not communicated to me in a timely manner. I paid the entire year of XXXX without being notified of this amount of capitalized interest. There was no letter, email, or notification on the website if this accrued capital interest. So now I have a derogatory remark on my Transunion credit report, my total principle went up from {$21.00}, XXXX on payments of {$120.00}, which covered the accrued interest of all 4 loans. Then my principal balance went up to {$22000.00} in XXXX. Why was I not notified of the status of the principal of my student loans? Why no notification in a timely manner? Why was this capitalized interest increasing in XXXX not showing in my balance in {$2000.00}? Why was this capitalized interest not showing on the website in XXXX? Why was this capitalized interest, which was accruing in XXXX all charged in 1 month in XXXX? Why do I have to make a {$880.00} payment to even begin paying {$1.00} towards the balance on my student loans? I feel this a violation of the Fair Credit Act. I feel the services violated the terms set by notifying the borrower within 30-60 days of a change, an increase in the interest. I believe it is a violation that Navient did not inform me that an {$880.00} payment has to be paid this month before a single payment can be applied to my principal.
Consumer complaint received 2020-05-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$520.00} XXXX  XXXX {$100.00} XXXX  XXXX {$59.00} XXXX  XXXX {$61.00}
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IL)

ERC - Enhanced Recovery Collection company is attempting to collect a XXXX cell phone bill from 2012. Collector will not remove debt from my credit report and keep reporting debt as a new debt. I have disputed with XXXX multiple times, 3 times. Please assist with resolution. 

Thanks.
Consumer complaint received 2020-05-06
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. (KY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, XXXX  or XXXX  ) this action might constitute fraud under both  Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

On XX/XX/2020 someone allegedly impersonating me by allegedly showing an ID that matched my information ( although teller did not make a copy of the presented ID ) walked into a US Bank branch in Missouri ( I live in Illinois and have never been to Missouri ), filled out a counter withdrawal slip that does not match my name or any signatures on file, and was successful in walking out with {$5100.00}. The fraud department requested a provisional credit from the specific branch in Missouri on XX/XX/2020, stating to me that this should not have happened because the counter withdrawal slip does not match name or signatures. I also filed a police report and reported alleged identity theft and secured all of my accounts and identity with XXXX and placed a freeze on my credit. I have not heard anything else about it from the bank despite calling them multiple times about the provisional credit and providing them with everything they need. This is a large sum of money and I am baffled at how someone is able to walk out with such a large sum of cash after having filled out a counter withdrawal slip with a different name and signatures that do not match. My name is not very common and the account was opened in Illinois and i live in Illinois. I believe the bank was extremely negligent in disbursing these funds or in was an inside job since I am a POA on that account and I am not sure how anyone would know this information except for the bank, and the bank is now dragging their feet in reimbursing the account. Thank you.
Consumer complaint received 2020-05-07
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. (NJ)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2019-04-04
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: CarMax, Inc. (VA)

On XX/XX/2019, Carmax repossessed my car and said that I had to pay to get my car back. This is not where the fraud ends! Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. Carmax sold my car in auction. I defaulted on XX/XX/2019. Which means Carmax received insurance money! They took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! So, how did they coerce me into paying the balance? They have deceived me, and they have frauded me! In addition to the insurance money they collected, the IRS classifies a charge-off or cancelled debt as gross or income! You are reporting a charge-off on my consumer report. Income does not get reported on my consumer report! This is inaccurately reporting this account! Furthermore, Carmax has committed tax fraud! They have this account reporting on my consumer report as a cancelled debt, meaning that portion of the debt has been cancelled.
Consumer complaint received 2019-04-03
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: U.S. BANCORP (NY)

I'm XXXX XXXX I was a victim of identity theft. I check my credit report with XXXX  by XXXX. I see a delinquent account I never had or sign up for With a credit card from US bank. I have a balanced of XXXX with Us Bank that was open on XX/XX/XXXX. During this time I was incarcerated. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. How can I fix this and clear this out from my credit report? Any questions contact me at XXXX.