davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-22
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 (IL)

I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.

As this is a clear violation of my rights remove asap.
Consumer complaint received 2018-01-22
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. (GA)

In late XX/XX/XXXXand early XX/XX/XXXX I was the victim of fraudulent charges on a number of my accounts perpetrated by XXXX XXXX XXXX of XXXX TX. XXXX is now in custody, but at that time was living as a guest with my son in XXXX TX. My son asked XXXX to leave, and was subsequently robbed and vandalized by XXXX in retaliation. Included in the items stolen was a computer that belonged to me. XXXX used that computer to make purchases without authorization. Included in those purchases were eleven transactions for XXXX purchases charged to my Chase card in the amount of {$1300.00}. Other charges were also made on other accounts and to XXXX XXXX XXXX for equipment ordered, but this complaint is against Chase Bank Card Services who initially reversed the charges, but subsequently reapplied all charges with the reason " You received benefit from this transaction ''. 

We did not receive any benefit whatsoever from these transactions. We believe that the items ordered were shipped to my son 's address where XXXX had been staying, and were intercepted by him ( along with other items not charged to Chase ). 

In XX/XX/XXXX I filed three complaints against XXXX XXXX XXXX : XXXX TX Police Department -- Police Report Federal Trade Commission -- Identity Theft Report Federal Bureau of Investigation -- Internet Crime Complaint As I already mentioned, XXXX is now in custody in XXXX County.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I received  a 30 days late on my credir report I wrote to XXXX  XXXX  / XXXX  because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in november and it went toward the XXXX  payment. on my credit report it shows the account closed but  there is another account still open on the credit report this account have not closed.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I ordered my 3 annual credit reports and it wouldnt let me retrieve any of them. I am a XXXX XXXX  an mother of XXXX children. My wallet had gotten stolen twice an I am on welfare.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-01-22
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. (AL)

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.
Consumer complaint received 2018-01-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (NY)

I need GM Financial to provide registration paperwork relating to our leased vehicle. Their phones and websites were closed for a systems upgrade but were supposed to functional on XXXX XXXX. My daughter has been trying to contact them since that date with no website functionality for a duplicate title and no answer tobtheir customer service lines. I took over this project as co-lessee on XXXX XXXX and have tried everything. Our dealer can not even get through to them. I took to XXXX to message GM Financial, but they have only responded with the same XXXX # I have been calling. Their phones are either busy or I get a message saying " due to high call volumes '' they can not take any calls. I have sent another message via XXXX. WHAT I WANT- to fix registration paperwork so my daughter can register her car. Please call or email, or provide a XXXX address ( not PO box ) so I can send a written request and copy in our lawyer. Thank you
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (AL)

I have repeatedly dispute and asked for verification verifying the validity of a account XXXX XXXX is reporting in my credit about an account original belonging to XXXX. I have NEVER had any account or did any business with XXXX. I asked for documents with signatures or proof this account belongs to me but have never received anything.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Problem is with Bank of America Rewards Visa Palatinium Plus. 

I had 2 balance transfers on it. One that started on XX/XX/XXXX and expiring XX/XX/XXXX at 1,99 % and the other one that was due to expire on XX/XX/XXXXwas 0 % APR. I called in at the end of XXXX, spoke to representative and asked what amount I needed to pay to cover in full the expiring promotional rate. The lady said it was a little over {$1900.00}. My monthly payment of ( minimum balance plus some extra pay ) was already deducted and I paid additional {$2000.00} to cover the expiring promotion on XX/XX/XXXX. Despite doing so- Bank of America started charging me {$30.00} a month in interest fees claiming that the amount that the amount I paid went towards the other balance. I talked to the representative who did n't really know what he was talking about and asked to speak to the supervisor. Representative came back on line- instead of supervisor. They offered to credit one amount of {$30.00} ( at that point they already charged me twice ) and said I need to pay {$2000.00} to cover that promotion again! I asked to speak to the supervisor who -did confirm that the amount was applied to the wrong balance and forwarded my case to resolution center. They did call me back today. Stated that they ca n't do anything because the amount was applied to the correct ( higher interest ) balance. When I made a statement about hypothetically both balances being at 0 % they still would n't apply it correctly anyhow because they would split it in half- she had no response. I explained to her, that when I called in originally about the balance I did ask what do I need to pay and how to pay it - and that I was not informed about how incorrectly it 's going to be applied. They also could n't answer my question about how was I suppose to make that payment in order for the {$2000.00} be correctly applied to the expiring promotion. When I explained that I going to file a complained with CFPB the representative from resolution center did n't say any other word and hung up on me. 
I have this card for many years and all my payments were always made on time.
Consumer complaint received 2018-01-22
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: Rocket Mortgage, LLC (CO)

On XXXX/XXXX/2017 I filled out some contact information on line regarding mortgages. On the same day I was contacted by an employee of Quicken Loans and we discussed different scenarios. I told him that I had excellent credit. At no time during the call was I asked for my permission to have my credit pulled. I was very surprised to see a hard pull on my credit report and notified Quicken Loans immediately by phone. They looked into it and determined that I had given permission and that they would not remove it from my report.. Since all calls are recorded, they played back the call for me. As I remembered, I was never asked if they could or told that they were going to run my credit. Their reasoning was that their employee explained enough to allow them to pull my credit. Their business practice is deceptive and misleading to any consumer.
Consumer complaint received 2018-01-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.
Consumer complaint received 2018-01-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We sent a letter to the credit bureaus, asking them to correct an error on our credit report. Well over 30 days have passed, and some of the bureaus have not responded yet.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IN)

No disclosure was provided of an already completed balance transfer where the policy now allows for new purchases to accrue interest from the date of transaction. The policy had previously been that the statement would arrive to confirm transactions with stipulated minimum payment and the new full balance of the CC. To which I would make my payment and be on my way. Not they accrue interest the date of a transaction withour disclosing their policy change. This gets to the point of abuse to consumers that are not able to manage cards and changing policies. These people make me sick and illustrate the importance of the CFPB.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.
Consumer complaint received 2018-01-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-01-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Over 10 years I 've paid the loan balance of XXXX with the needle not moving at all ... in fact it 's gone up to now XXXX. In XXXX of 2017 I told Navient my income situation has changed ( co-signer now retired with 1/4 of previous income and me with job loss ) and they have not been willing to work with us. I 've offered to settle the amount and give a new, agree upon repayment so that the needle would move. The only offered " good faith payment '' options without providing any requested documentation that after 9 months of those, they would consider dropping an interest rate. They offered a " verbal forbearance '' period and are unwilling to send documentation on the details. Any time I 've asked for documentation about anything that could help, they 've declined. Repeatedly declined. 

Now we have been threatened to be sued and told we have already waived our rights to a Jury trial. Huh??? 

This is the most crooked system and exactly what 's wrong in our company. Please contact XXXX at Navient and others there. Employee # : XXXX ( collection manager ) XXXX In addition to all of this, the loan states that I borrowed from a school that is not even correct. This is the level of incompetency we 're dealing with. Even the very info they have on me is incorrect and something must be done. The harassment must stop.
Consumer complaint received 2018-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

the casino i went to there cash machine was n't working so they voided the transaction and i NEVER signed anything and they put an X to show me it was voided no capital one denied my dispute and are charging me for something i never did saying it was signed i never signed and needs to be credited this is fraud
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (CT)

XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. 
XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. 
XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds back.