davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (MD)

I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last XXXX months. I have purchased a protection program with Equifax and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for Equifax, as I have purchased their product that charges me {$19.00} a month, but reap no benefits of the product except for receiving emails that accounts have been opened in my name.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (AR)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with an account listed as Credit Collection Services and validation was requested in the form of a dispute on XX/XX/2023 as this was an account that I did not recognize. I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect the account being disputed. I sent a second validation letter out today ( XX/XX/2023 ) requesting validation of this debt because it does not belong to me. Please remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2015-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: ARVEST BANK GROUP, INC. (OK)

My wife & I purchased a 'travel club membership ' on our Visa after being told by the salesman that we could use it for our XXXX we take XXXX for XXXX work. Since my wife works for an airline I told him we did n't need it for our personal use but would be interested if we could use it for these trips. He assured us it could. As our documentation shows, we were given promises that did not materialize. So i began to call and complain, and demanding a refund and being told it was beyond the 3 days allowed by law - rudely at that - I finally took them to small claims court in XXXX, XXXX, and won a judgment. Since this company is a 'scam ' and knows how to work the system, they have multiple offices in XXXX , XXXX , and XXXX that i know of. Trying to get a physical address and trying to collect is nearly impossible. So I asked Visa to reverse the charges. I have my Visa through Arvest Bank, which uses Security Bankcard Center. Initially they reversed the charges ( Arvest did ) but then they called and said Visa will not reverse them since I had a judgment and might collect double payment so I needed to pursue through the courts. Per my attorney i was told to press Visa to reverse the charge. They refused saying it was past the 'statute of limitations ' of when the charge was made. The travel co. would n't refund and cancel because they said it was past the 3 days, yet it was during that first week I was trying to use their services before finding out the empty promises. They also complained to Visa saying I used the services. I tried getting quotes for airfare, rental cars, etc. and the only thing I could use was a rental car - and that did n't save me any money from what I could get elsewhere. A far cry from spending over XXXX for these 'special discounts. ' This travel company goes by " XXXX XXXX '', " XXXX '' or " XXXX '' - all of which have a lot of bad complaints online. I only which I had researched it before we bought!
Consumer complaint received 2023-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (MD)

I applied for the MD HAF program. MD Homeowners Assistance Fund in XXXX of XXXX. I submitted all my documents to the MD HAF program. MD HAF requested documents from my Loan Servicer Guaranteed Rate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX. I've called Guaranteed Rate several times and was told that the documents were sent to the MD HAF program. MD HAF has stated that Guaranteed Rate has not sent the required documents requested as of yet and MD HAF has requested the documents be sent from Guaranteed Rate on multiple occasions. Guaranteed Rate is delaying the processing of my MD HAF application in order to prevent foreclosure. Due to Guaranteed Rate and the lack of response by not replying to MD HAF in a promptly matter on the several dates requested for the documents to be sent this is delaying the processing of MD HAF application and this is adversely affecting my credit score.
Consumer complaint received 2016-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge. 

I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount. 

I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I realized I was defrauded when I did not receive the items I ordered on line for {$59.00}. I tried varies avenues to locate the company but every email I tried was reporting scam, I could not obtain a phone number to contact. I immediately reported to my bank, Chase. They gave me a temporary credit for the {$59.00} until further investigation. On XX/XX/2023 I received a call from XXXX XXXX, Supervisor from Chase Claim Department that they were going to debit my account of {$59.00} because she spoke with the merchant and they said the package was delivered to my home and they provided to her my name and address for proof, so on XX/XX/2023 we are debiting your account of the amount of {$59.00}. XXXX XXXX gave me the USPS Tracking number and said I could verify it myself. I immediately accessed the internet at USPS. com and put in the tracking number and found the information XXXX XXXX said was there was not. The tracking information from the postal service stated a package 8oz was delivered to a Mailbox. There is no address, no name just stating a First Class Package. A first Class package in weight is no more then 3.5 ounces. I ordered ( 2 ) two suitcases. I have been to the Chase Branch in XXXX XXXX XXXX XXXX, XXXX Ca XXXX and spoke with Branch Manager, Ms.Jannett. I submitted a formal statement complaint with a clerk there at the bank along with documents as proof I submitted to her the tracking information, I submitted to her the Police Report Number,. I pointed out to her the information on the tracking that there is no evidence that I received the 2 suitcases I ordered and I am a victim of a scam. But they are treating me like I am the scammer. Organizations like the Bank should have varies classes in educating staff and Management the avenues in these scams without putting more unnecessary stress on there customers who entrust them with our money. The scam is enough.
Consumer complaint received 2024-08-12
Product: Credit reporting 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. (GA)

there has been an unauthorized hard enquiry on my Equifax credit report on XX/XX/2024 with the name XXXX. It looks like someone is applying for credit cards under my name without my consent, knowledge and permission
Consumer complaint received 2023-06-13
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX XXXX XXXXXXXX {$300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) and ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

fcra and ftc violations, 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Navy Federal Fraud Department RE : Account number : XXXX Account number : XXXX Dear Sir/Madam : I'm a victim of identity theft. I recently found out that my personal information was taken to open an account with your company. I did not open or authorize this account, hence I beg that it be closed immediately. I also request that NAVY FEDERAL relieve me of all charges on the account and take all necessary actions to delete information about this account from my credit record. 
Enclosed is a copy of my Identity Theft Report AND POLICE REPORT, which backs up my position, as well as a copy of my credit report, which shows the false items relating to your firm that were obtained through identity theft. A copy of the CFPB 's Notice to Information Furnishers is also provided, outlining your responsibilities as an information provider to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request accompanied by an Identity Theft Report, you must cease giving identity theft-related information to any CRA. 
The Notice also describes your responsibilities if you get notice from a CRA under section 605B of the Fair Credit Reporting Act that the information you gave to the CRA was the result of identity theft. These responsibilities include ceasing to supply misleading information to any CRAs and not attempting to sell or transfer fraudulent debts to another party for collection. 
Please look into this situation, terminate the account, relieve me of any charges, follow the processes needed by the Fair Credit Reporting Act, and send me a letter outlining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : Police report identity theft report copy of the credit report CFPB 's notice to information providers ( PDF ).
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (KY)

XX/XX/XXXX24 acquired XXXX XXXX XXXX from XXXX of XXXX KY and commenced loan with Toyota Financial Services. XXXX days later returned to dealership with a rattling dashboard. Returned two more times as they said they could not replicate noise. They ordered another suv. Picked it up XX/XX/XXXX2024 and was told a new credit application and loan was necessary. I refused and they refused me the suv. I asked why they did not rebook the loan. They did not answer. I complied under duress as I had no other form of transportation. My score dropped from XXXX to XXXX and I have XXXX auto loans on my credit bureau reports. They also raised my APR 50 basis points. They stated that they adjusted the principal to match the original payment. Yesterday they refused to correct my FICO score and credit bureau reports. A technician said they did same to another customer.
Consumer complaint received 2024-09-20
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called XXXX XXXX  after being denied cash advance for the 7th time. I had been paying extra on my credit card but kept noticing my balance wasnt going down. I called XX/XX/XXXX i spoke to XXXX XXXX XXXX employees explaining my problem with cash advance, she placed me on hold came back told me she had fixed issue and the I could use {$400.00} that day and that I had up {$6000.00} in credit. When I went to request cash advance in person I was denied. I then called again asked for manager, spoke with XXXX XXXX on XX/XX/XXXX around XXXX id # XXXX after being denied again, she said she would research, placed me a long hold. XXXX then claimed someone had been using cash advance recently and that I hadnt payed it made a payment. I reminded her I had just made a payment for {$1000.00}. And that it had been over a month which I had requested ANY cash advance. I told her that was fraud on my account, she then assured me it wasnt fraud, I then told her I needed {$500.00} in cash advance that day, she said my limit was {$250.00}. I was then denied in person that day all amounts cash advance. After complaining that I didnt know what type of business they were running, she said her system was down and she couldnt help me out further, i told her i was sure there were tons of different computers and that for her to deny help was not acceptable. Denied help from XXXX XXXX employees and management.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

US BKRPTCY : Reference number XXXX XXXX filing date XX/XX/2019. Please provide proof this account belongs to me. Reporting this false information violates my rights. Please provide where you are verifying this false information as it has been removed from several third party reporting agencies due to be inaccurate. Please provide your source of verifying. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-04
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. (OH)

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 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101. We have reached out to them twice to prove they are in compliance with Texas Finance Code Section 392.101 with no answer.
Consumer complaint received 2023-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IA)

I am part of the PSLF program. When I was with XXXX XXXX I consolidated under the revisions that were offered to get my payment counts all to the same count. This was successful. A few months later, around XXXX or XXXX, I got notice that my loans would be transferred to Mohela. At that point, my payment count was XXXX. I talked with XXXX XXXX and they said that I didn't need to do anything and my payments would transfer over as they showed at that point. They said it might take awhile. They also said it wouldn't hurt to recertify once I got over there. I did exactly as they asked me too. Then, I waited and waited and waited. I was trying to be patient because I knew things were crazy. However, my payment tracker on Mohela continued to read at only XXXX payments. I called today and was informed that this wasn't going to change, at least not until they looked at the recertification I sent to them in XXXX. Regardless, that will only bring my account up to XXXX. When I was at XXXX a year ago. The recertification from last XXXX should have brought me up to XXXX payments. Which means, if I recertify again this XXXX I would be at XXXX. This is very frustrating. I have done everything that is asked of me. I have jumped through every hoop. Now I am getting screwed again. Mohela won't budge and I can't get into my XXXX XXXX stuff anymore. I don't know what to do, other than pay the payments over again.