davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The information listed below, which appears on my credit report, is the result of XXXX XXXX. These fraudulent accounts consist of Auto loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ) XXXX XXXX XXXX XXXX  on XXXX under the account number ( XXXX ) XXXX XXXX XXXX " XXXX opened on XXXX under the account number ( XXXX ) XXXX XXXX XXXXXXXX " XXXX  under the account number ( XXXX ) opened on XXXXXXXX XXXX XXXX XXXX XXXX  under the account number ( XXXX ) opened on XXXX
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX Expanding on existing OPEN case against XXXX Case # : XXXX XXXX  has called and left a message however, the message was " garbled ''. I can make out it is XXXX calling but after that the message fades out as if the person turned away from the phone. I can not hear the number to call back or what it is they are going to do about this matter.

I believe XXXX is ignoring this issue and has no intentions of resolving it. The caller seemed to purposely make it impossible to hear the call back number.

This is similar to when I would call XXXX and be put on hold until I was disconnected. Or when I'd email them and I'd be sent links that didn't open. Or when I'd start a chat, they'd time me out while they did their " research '' so I was disconnected to that person! I am sick of their way of doing business! I want this matter resolved.

Below is the original complaint : XX/XX/XXXX Consumer Financial Protection Bureau Hello, I have XXXX XXXX XXXX XXXX credit card. I have been receiving bonus/rewards money for using the card on XXXX and to make other purchases. XXXX  has taken that money. It was a couple hundred dollars which I was purposely letting build up. I have emailed XXXX three times asking where my money is. XXXX refuses to address this matter, redirecting me to non-existent links.

When I call I get put on hold until I am disconnected. When I start a chat the person says to hold while they investigate and I am disconnected. When I email I am told it is being working on and they will get back to me - no one has gotten back to me and I have been at this for almost a month now!

I did not use the rewards money, nor transfer it, nor authorize XXXX  to take it. My point is, that money was building up and XXXX took it, all of it! XXXX has been giving me the runaround because they are a huge company and think they are not accountable for stealing!

I want my rewards money returned to me. I want XXXX to put that money back on their website, at the the checkout point, where it has always been.

What a disgusting company to think they can just take my money and I'm supposed to lay down and take it because they are XXXX! They are becoming an abusive, customer service nightmare!

XXXX XXXX
Consumer complaint received 2018-05-23
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: BARCLAYS BANK DELAWARE (TN)

I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX   ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX   XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been looking at my report and I seen a few thing that are not right. 
First up my name is : XXXX XXXX XXXX. Please remove any other variation and spelling. 
My current address is XXXX XXXX XXXX XXXX XXXX, XXXX, Oh XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am a victim of ID theft and I have not been it XXXX in over 6 years. I currently am a residence of XXXX Ohio
Consumer complaint received 2018-05-22
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX  Date : XX/XX/XXXXCompany : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXXCompany : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX  Account # : XXXX  Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX  Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Consumer complaint received 2023-05-28
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)

I went to check on my report and seen that on all three of my credit bureaus it was showing incorrectly, I do not appreciate this incorrect information on my credit report and will like it shown as deleted.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

I received notice from XXXX XXXX XXXX that my home loan was sold to Rushmore Loan management.The problem with this situation is my name is not the power of attorney on my mother 's death certificate.This is still my deceased mother 's estate and my name is not on her death certificate as power of attorney.This is the second mortgage company that has tried to profit off my Mother 's Death.All the Rushmore had to do is check the information that they got from XXXX before they brought this illegal loan. I still owe XXXX XXXX XXXX XXXX over {$35000.00} Dollars for home improvements that XXXX lender placed insurance did not cover. XXXX was sued for their unfair practice of lender placed insurance price's.I was part of the {>= $1,000,000} classaction lawsuit and won. Now here 's Rushmore trying to foreclose on a home that I still owe XXXX XXXX XXXX XXXX for. Rushmore should have looked at the paperwork connected to this loan before trying to take my home. In about two week my XXXX brother who lives in the home with me is getting the bathroom and kitchen modified by the state to accommodate his XXXX.Rushmore has to look at my mother 's death certificate that they should have got form XXXX to understand how all this is fraudulent.Selling Death has to be one of the sickest things I have ever seen especially when it's my mother who was the Primary borrowerof the Loan.
Consumer complaint received 2018-05-22
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
Consumer complaint received 2024-09-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (CA)

The company Self ( XXXX XXXX XXXX XXXX Lending ) set up a savings /CD account for me in 2020 so that I could establish some credit. I would have my bank account debited {$20.00} every month and then at the end of the timeframe I would get all my money back minus fees : I had 2 payments withdrawn but then my unemployment was paused for approximately 5 months until they could verify some documents. However, this company did not post anything regarding my account until 2 months ago. I discovered they sold it to another company but still they offered to close out my account and pay me back my 2 payments that I paid in. As you can see, this isnt a loan, or a credit account. Its not a purchase of merchandise. I dont actually owe them any sum of money or actually fail to pay them what they were due. They closed my account, they paid me via direct deposit to my current bank. I dont think its fair that they now in the last 2 weeks decide to post 2 late payments as if I just currently did not make 2 payments. It affects me greatly and is devastating to me when Ive worked so hard to rebuild my credit. I havent been late or missed anything! This is creating a snowball effect on my credit file.
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

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. 

USAA FEDERAL SAVINGS B XXXX, USAA FEDERAL SAVINGS B XXXX, USAA FEDERAL SAVINGS B XXXX
Consumer complaint received 2018-05-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

FICO PROBLEMS ... .FILLED OUT ONLINE FORMS TO REMOVE ITEMS FROM CREDIT REPORT FROM XXXX XXXX WHEN IT WAS SUBMITTED, THEY SAID CAN NOT SUBMIT AS IT WAS DONE ONCE BEFORE..THE FICO IS KILLING POOR PEOPLE. ALL THREE REPORTING AGENCYS ARE CHANGING DATES BY PINGING OLD CLOSED CONTRACTS. IF YOU CAN NOT SUBMIT AN ITEM FOR CHANGE OR REMOVAL, THEY ARE IN CONTROL OF THE GOVERNMENT AS WELL AS THE BANKS. 

ALL THREE REPORTING AGENCYS WILL NOT VERIFY CREDIT ACCOUNTS WITH CREDITORS. THEY DO NOT HAVE THE DOCUMENTATION REQUIRED.
Consumer complaint received 2018-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion Report # XXXX - XXXX As TransUnion stated XXXX XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX Transunion stated Company obtained information from my credit file in connection with account review or other business solutions stated by TransUnion Except insurance companies have access. I did or do not owe any of these companies and these companies was put on in error in which they should not have been or showing in any kind of way after they was removed/deleted by no money owed in any way. My next issue with how transUnion likes to word things that does not apply tom the complaint as if I don't understand my rights. Transunion does not justify the companies listed nor can they furnish any documents or Papers stating or showing I owe or owed any of these companies in which was in error and Transunion has no right to leave them on my credit file. I'm not trying to hear only I can see it or an Insurance company can view it. My consumer rights have been violated by transunion. Futher more the companies need to be Deleted/removed.
Consumer complaint received 2024-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

I've had several unauthorized transactions made from my mobile bank account, that were not myself. I have contacted my bank, ( Ally Banking ), several times. Almost every other day since the transactions have been made. They have yet to help me get any kind of my money back, it all added up to be around {$8000.00}. I've done everything, step by step that they have asked and what was required to do since I noticed my money started going missing. Please help me! 
Thank you!
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WI)

On XX/XX/XXXX, while in the XXXX XXXX XXXX in XXXX, XXXX, I agreed to have Care Credit/XXXX XXXX, ( XXXX. XXXX XXXX, XXXX, XXXX XXXX phone # XXXX ) finance {$2400.00} for XXXX XXXX. My signature is undecipherable on this note because I was under pain medication. I was told that there would be no interest charges if paid in 24 months, so I agreed to have {$100.00} automatically transferred through my bank account in order to be paid on time. I received no statements by U.S. mail or e-mail stating what we owed until XX/XX/XXXX, while at the bank for other business, that we owed XXXX XXXX   {$1000.00} yet. In XX/XX/XXXX, I called XXXX XXXX  to find out why they claimed we still owed {$1000.00}. I was told at that time that the loan was interest free for only 18 months and that ended on XX/XX/XXXX. We then were charged $ XXXXinterest with a balance of {$800.00} that was still owed as of XX/XX/XXXX. This brought the balance up to {$1500.00}. When my wife and I found out that we owed this amount we couldn't believe it. We had already paid them through XX/XX/XXXX {$2800.00} in 28 payments. At that time we then requested the statements from the beginning of the loan XX/XX/XXXX thru XXXX.We received a letter stating that " Unfortunately we are unable to provide you with the information requested as it is no longer available ''. My wife tried to stop automatic payment, but they had already taken out a payment on XX/XX/XXXX of {$100.00}. We now had paid a total of $ XXXXThey received no payment for XX/XX/XXXX, because we stopped payment. They then sent all the original statements we had requested. After reviewing the statements, we realized that we needed to contact help from Legal Sources on how they could charge interest on original loan instead of unpaid balance. We have since sent them {$150.00} to prevent collections. 
I hope that you can help us resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone XXXX E-mail XXXX XXXX
Consumer complaint received 2023-05-31
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. (CA)

i called to XXXX Credit card services for a credit inquire to be removed, because its not mine they cant find my information but in the same time they cant report to credit reporting agency that its was there mistake because of company regulation
Consumer complaint received 2018-05-22
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: JPMORGAN CHASE & CO. (FL)

1. I contracted with a moving company ( XXXX XXXX XXXX  ) for moving services and charged two deposits for the move ( {$930.00} and {$200.00} ).

2. On the day of the move ( XX/XX/XXXX ), the moving company showed up and attempted to DOUBLE the cost of the move without approval, notice, or any agreement on our part. It was an attempt to extort money.

3. I refused to be taken advantage of by the moving company and cancelled the move.

4. I immediately ( that day in front of the moving company ) called Chase and asked Chase to stop payment of the deposit charges was engaging in deceptive and fraudulent practices.

5. We made a separate agreement with a moving company and proceeded forward with the move.

6. Written documentation ( XX/XX/XXXX ) was sent to Chase regarding the disputed charges.

7. Since that time ( over 3 years now ) Chase has continually responded that the charges were valid for two reasons : A. We did not cancel by giving the required 10 day notice.

B. The company provided Chase with a " bill of lading '' for the move 8. A. I do not believe it is reasonable to enforce a 10 day cancelation policy when the company attempted to double our charges on the day of the move. That is not a reasonable expectation or reason Chase should deny our claim to have the charges removed as requested on the day of the move. Chase was properly notified and no services were provided by XXXX.

B. The " bill of lading '' provided to Chase by XXXX was not a " bill of lading, '' it was a pre-move list of items to be moved ... clearly dated XX/XX/XXXX. The move did not occur until XX/XX/XXXX. This has been documented and sent to Chase over and over, yet Chase refuses to credit our account.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service International Corp (MN)

I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OK)

i send a {$300.00} moneygram to XXXX. when he went to retreive the money. they were unable to look up the reference number. they want me to contact moneygram, which i did they told me to tell my nephew. to tell the agent in XXXX to call them while he is still there. which he did, all to no avail. i later went to XXXX where i made the money order they call moneygram and put me on the phone. they start asking me questions about why i send the money, who am sending to, and what the money am sending is for. at this point i start to get mad because this was not my first time sending money through moneygram, i have send as much as {$1000.00} before and nobdy make a big deal about it. i ask some of my fellow XXXX over here if they have experience anything like this.to my surprise the have, and because of that most of them have stop tranfering money throughj moneygram. the only solution i got from them is that the money been picked up but they cant tell me who pick up the money or the location the money was picked from. they gave me a complain case number, and that they going to do their investigation, which can last anywhere from 1 day to 90 days. i feel like they rob me off my money and say there is nothing you can do about it.