davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I closed on the loan with XXXXXXXX XXXX The tax division of XXXX overpaid 2024 property taxes. The taxes owed were {$3000.00}. XXXX paid {$7400.00}. They attempted to raise my mortgage. I contracted the tax division of XXXX XXXX in XXXX to understand the discrepancy. They agreed there was a discrepancy. The tax division said they needed to make a formal request for a refund from XXXX XXXX. I was told at that time to continue paying the lower monthly mortgage amount and that the tax division would secure the refund. Then XXXX reported on my credit report that I was delinquent in my payment therefore lowering my credit score. I contacted XXXX and asked where the refund was and why they reported my payments being late after being told to continue paying the lower amount. They admitted they had never made a request to XXXX XXXX for the refund. I also reached out to XXXX XXXX and they too said no request had been made by XXXX for a refund. Now my credit is being impacted because of XXXX 's failure to pay my property taxes correctly and again by not requesting the refund as they committed to do. We have documentation to show all of this.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NC)

To whom this may concern, On XX/XX/year> someone drained my checking account with XXXX XXXX XXXX XXXX via cash app, stealing {$960.00}. The following day ( XX/XX/year> ) I filed reports with cash app, XXXX XXXX XXXX XXXX, and the XXXX XXXX police department. 

Cash app case reference number :! XXXX.! XXXX : ref XXXX XXXX XXXX XXXX case reference number : XXXX XXXX city police report number : XXXX Cash app failed to pay me back the money that was stolen out of my account, claiming that it was not a fraudulent transaction. Which it is, by definition. 
( XX/XX/year> ) I called the XXXX XXXX XXXX XXXX after cash app failed to reimburse me, and someone told me they would reopen my case. They also told me to send any evidence to their email, which is where I sent the following email to XXXX ( pictures included in documents ) XX/XX/year> - after filing a complaint with the cfpb, XXXX XXXX XXXX XXXX XXXX department calls me to collect further evidence. I provide it to them via email. 
XX/XX/year> - XXXX XXXX XXXX XXXX investigation has led them to inform me that under federal regulation, it is cash app who is liable for reimbursement of my stolen funds. According to them, it is because my funds were withdrawn from my checking account, placed into a cash app balance, and then redirected. 
XX/XX/year> - after filing my complaint with cash-app, they emailed me back with a spreadsheet of the transactions in question. They stated that our investigation led us to determine that this transaction was authorized by you or someone you authorized to use your credentials and no error occurred. As a result, your dispute has been closed. 

This is an egregious misinterpretation of evidence in my opinion. My phone was stolen and hacked into. I had protected passwords on that phone. I did not authorize any of those transactions. I have no previous history on the platform with any of these individuals and had never received or sent money to their accounts before. These transactions in question should have been flagged.
Consumer complaint received 2023-08-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Remove late payments from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Late Payments from XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (NJ)

I am seeking to obtain my original credit card agreement to understand the charges that have accrued while my account has been closed and I have been making the minimum payments. Although I have not defaulted, I have been informed that the agreement is considered Navy Federal 's internal documentation and can only be obtained through a subpoena. Since my statements are no longer accessible due to the account closure, I am unable to compare the increased accrued rates.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Volvo Car Financial Services U.S., LLC (TX)

Leasing a Truck on XX/XX/year>, XXXX  referred us to their Partner XXXX XXXX XXXX XXXX to finance through. We started the payment on XX/XX/year> down payment was 30 % of the truck price ( {$42000.00} ) monthly payments started on XX/XX/year>. During that time the truck had been Repoed by Volvo, Claiming that XXXX XXXX had been bankrupt. They Transferred the finance to Volvo and we comply with that but they refuse to give me back my money or my truck. None of the companies are willing to give me a solution to fix this while my business is suffering. 
When calling the DMV, the DMV claimed that XXXX did not transfer the title to my business. still investigating and have yet to receive any response.

We made a report previously but they are claiming that we are not a part of the financials services. But if you look at the attachment you can see that they know us.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> XXXX  : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-18
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: Upstart Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group (TX)

Contrary to belief, every XXXX XXXX is not the same person. My name is XXXX XXXX XXXX, XXXX. I served in the XXXX not the XXXX. I was born on XX/XX/year>. The attached documents they provided show some guy who is younger than me and living in XXXX. I have never lived in XXXX. I live in XXXX  and was born in XXXX. I am not who they are looking for. My SSN ends with XXXX. And not what they show on the documents they provided.
Consumer complaint received 2024-09-07
Product: Credit 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: DISCOVER BANK (AL)

I paid XXXX XXXX a total of XXXX dollars for replacement of a XXXXXXXX XXXX XXXX XXXX which XXXX of the charge was placed on my Discover Card on approx XXXX. After I spoke and confirmed with insurance agent that panel was replaced and received a text from XXXX XXXX  that my pool was operable, I paid them. When I arrived home from out of town, I discovered the pool control panel was not replaced and pool was not working. When I confronted XXXX XXXX and XXXX XXXX with XXXX XXXX, I was blocked from any communication. Additionally, I filed a police report and a complaint with the XXXX XXXX XXXX XXXX. 

When I filed a dispute with Discover, I felt I was given the run around. I feel the company FALSELY advertises that their card holders are protected from faulty purchases or fraud. I sent the company a large packet certified mail and at first it was lost by Discover. I had to call four + times and provided the tracking number. When I called on XXXX to follow-up, I was told that I had to receive proof from XXXX XXXX to receive a refund. This is not what I was told by the security department at Discover. I was told " we are a documentation type of business '' and was encouraged to send all the information I had to plea my refund case. I feel Discover is misleading and scamming consumers to say that a consumer is protected and will not investigate the claim. I did not have his issue with XXXX credit card. Furthermore, I explained that I was cut off from any communication from XXXX XXXX  and was told basically too bad ... '' call the XXXX XXXX XXXX. '' I feel Discover should have sanctions due to their misleading public education of protection to their cardholders. I feel XXXX XXXX should have a charge back and I should be relieved of the XXXX dollars charge as I did not receive the item/service I paid for.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I am reporting difficulties I am experiencing with my student loan servicer, MOHELA, that spans the last month and a half. This has resulted in my student loans doubling without explanation until today. Unfortunately this issue impacts other borrowers besides myself since MOHELA implemented a system upgrade in XXXX. With this system change, my payment plan was changed from the Graduated Extended Repayment Plan to the Graduated Repayment Plan without my authorization and without me requesting it. I learned during my XXXX minute call today from an employee that " we have others who this has happened to as well. '' The difference of XXXX word on the type of repayment plan might not seem like much, but this means my payments have gone from $ XXXX to $ XXXX. I have been told that while I'm waiting for my " new request '' to be reviewed to determine if I can go back to the plan I never requested to be taken off of, I still have to make the new payments and nothing is likely to be retroactive once solved, meaning I will not be reimbursed for my overpayments. Each time I call MOHELA I am told to check their website again in XXXX business days and it's never fixed. 

While on hold with MOHELA today I went ahead and filed a complaint on the XXXX XXXX XXXX 's website and I understand that there is an Ombudsman that I can appeal to as well. 

The reason I am bothering you and your staff is just out of sheer frustration and because I now know that this has impacted other borrowers. I am fighting with MOHELA on my own and they seem to answer to no one. I have been working on this issue since around mid XXXX and have not gotten anywhere. Tickets have been opened, no adequate explanations provided as to why I am being penalized for MOHELAs error, and I no one said they were looking into how many others could have been impacted when I specifically asked if they were going to pull data to rectify this for the others they affected. 

Reference/ticket # for current request to have my loan switched back to my original payment plan is : XXXX.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KS)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT SYNCB/PPC ACCOUNT XXXX # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-08-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harley Davidson Financial Services Inc (MD)

In XXXX I purchased a Harley Davidson XXXX motorcycle. For various financial reasons, I was not able to make payments. On only one occasion, someone attempted to repossess the bike. There were no other attempts or actions in the last 13 years that I am aware of. About 2 weeks ago, I received a call from XXXX at XXXX XXXX, a third-party debt collector, XXXX stating that they were trying to take possession of the bike. I spoke to an attorney that suggested that I reach out to you to report this due to the length of time citing then Fair Credit Debt Collection Practices Act ( FDCPA ), section 1692. In speaking with XXXX, he said that he would be taking legal action and taking me to court. He threated to take legal action, get a judgement and a Writ of Replevins to take possession of the bike. At this time there is nothing on my credit report for anything regarding the motorcycle. Please review and advise of my next steps.
Consumer complaint received 2024-07-16
Product: Credit 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. (NJ)

XXXX was hit with a storm on XX/XX/year>. Prior to my trip I called XXXX XXXX XX/XX/XXXX and asked whether this storm effected this resort. Myself and others were told the storm didn't normal operating procedures at this resort. I arrived on XX/XX/year> at XXXX where the lobby was extremely hot. I had to wait for a room until XXXX that night. If for myself and others seeking out an employee willing to help all stranded. We had to physically go to XXXX different rooms to check if people were still in their room because their system was down. The employee told us there have been working on backup generator since the storm XXXX. He also informed us that XXXX of the XXXX towers didn't have power and the hotel was moving people from XXXX tower to another. Beside no power there was no hot work. We had no choice but to get our luggage and get my sons bathing suit to go swimming due us not being able to do anything. Later this night the hotel had a total XXXX out at XXXX. Besides no air conditioning, there also was no wifi connection. Day # XXXX XX/XX/year> I normally go to the fitness center early in the morning. The hotel gym also experienced electrical issues with no air conditioning XXXX degrees indoor. There was also no power in the game/children center for my son. Therefore there was no place for my child to play. Day # XXXX XX/XX/year> we experienced the same thing. No air conditioning in the fitness center and game center for my son. Midday on day # XXXX things starting coming back on little by little. I spoke with XXXX XXXX public relations and got no where as others had issues to. Once I got but to the United States I called Chase ( my credit card company ). I was told due to me not calling them on day XXXX and canceling my reservation they could not honor a refund. I was told by Chase that because the hotel provided shelter their is nothing they can do. I explained to Chase that you can not just call another hotel due to the effects of the storm. There are multiple groups of people stranded and having to just put up with the conditions they are in until power was on. I paid for a luxury hotel stay and that is not what I experienced. Chase is not for the consumer, and nor did they help me by telling me the hotel provided shelter.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

Company has been sent several letters requesting documents to verify and validate debt they are requesting payment for. Letters have been sent in XXXX, XXXX and XXXX. To date i have not received the requested documentation and demand immediate removal from credit report. 

Once again, I am requesting all of the following documentation or immediate removal from my credit report. 

A detailed list of the payment history made by me on this account, including dates and amounts of all payments. 
Documentation showing the wet signature that I purportedly placed on any contract or agreement guaranteeing payment to your company. 
Confirmation of whether any insurance claim has been filed on this debt, and if so, relevant documentation pertaining to such claim. 
Proof that your agency has the legal chain of title to collect on this debt, including any assignment or transfer documents demonstrating your authority to pursue collection
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

2 unauthorized ATM withdrawal transaction. One on XX/XX/XXXX XXXX and the other on XX/XX/XXXX XXXX of {$500.00} each. 

I called the company and told them my card was lost and those transactions we not authorized. 

They denied my claim on XX/XX/XXXX. I called for more information and they said that my claim was denied because they werent able to prove fraudulent transaction. 

I requested that they open the claim again and I would provide video and eye witness testimony from my boss of me working at the time of the the first unauthorized transaction. 

They informed me that they can not take videos or testimony as evidence and the claim can not be opened again and would have to be handled outside of the company.
Consumer complaint received 2024-07-15
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: Fuel Capital Group (CA)

I had some hard inquiries on my report that seem suspicious and I know I didnt do. I got in contact with my XXXX  team and they advise my to make a police report and call the places where they tried to pull my credit. After a few weeks of assisting me we saw that the hard inquiries appeared on my recent credit report and its affecting my credit score.