davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
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: Fidelity National Information Services, Inc. (FNIS) (MD)

I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract. 
I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that XXXX XXXX XXXX XXXX  issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After XXXX XXXX XXXX XXXX  issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have XXXX XXXX XXXX XXXX  reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and XXXX XXXX XXXX XXXX  allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
XXXX XXXX XXXX XXXX  listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and XXXX XXXX XXXX XXXX. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to Chex Systems. 

I contacted Chex Systems three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. Chex Systems outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXXongress, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to. 

This needs to be immediate removed. This charge has absolutely nothing to do with me. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD XXXX, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with XXXX XXXX XXXX XXXX. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I spoke to a bank of America employee XXXX to be exact.. she lied several time. I asked for prove of my signature plus prove of contract of loan. She asked for my email. SS. An said she would provide me an said she HAD ALREADY EMAILED ME ALL PROVE AN IT WAS A LIE. SHE DID NOT PROVIDE ANY INFORMATION. AFTER I CALLED HER SEVERAL TIME WEEK AFTER WEEK AN SHE NEVER RESPONDED TO MY CALLS AFTEE LEAVING SEVERAL MESSAGES. XXXX XXXX AN A LIER. I NEED BANK OF AMERICA TO REMOVE THIS WRONG ACCUSATIONS OF MY CREDIT REPORT. THEY HAVE FAIL LIED AN REFUSE TO CORRECT THEIR MISTAKES.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (TX)

My bbva business was moved to pnc bank But i never received any document or communication regarding it. My bbva account didnt have monthly fee but once it got moved to pnc bank XXXX they charged monthly service fee. I didnt knew it because i never realize it was moved to pnc XXXX I tried to call pnc bank multiple time but they couldn't help me. Finally i went to local pnc and close my account but they refuse to reverse monthly fees that was charged on my account. We filed complain and I got call from them stating that account is close and they wont be able to help me.
Consumer complaint received 2024-01-22
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. (AZ)

in accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IN)

XXXX, XXXX, and Equifax don't report my monthly mortgage payments what do I do to XXXX XXXXXXXX XXXX. I received and investigation letter from XXXX XXXXXXXX XXXX where they tell me that they do report my payments to XXXX, XXXX, Equifax, and XXXX, but I don't know why, only XXXX shows informaion about my mortgage credit, and the other XXXX bureaus, they do not do it.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXXXXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX  ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX, ACCOUNT # XXXX ( APPEARS TWICE ON MY CREDIT REPORT ) Account name : XXXX XXXX XXXX XXXX  ACCOUNT, # XXXX Account name : XXXX XXXX XXXX XXXX, ACCOUNT, # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX, ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # 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.THEY DO NOT HAVE MY WRITTEN CONSENT!
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase bank suspended my account in XXXX without mailing me a check, its been three mouths now. They withdrew my money left in the account to Chase Claims Department without my permission. And they did not give me an approximate time for when Ill be able to get my money back. Im in a hurry for the money and if they dont give me an answer, then Ill go to the police department to accuse them on the court.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

Started XX/XX/XXXX with XXXX dollars then two installments Of XXXX then another XXXX again on the XXXX. Before that, on the XXXX by another at XXXX XXXX  till XX/XX/2023 small increments first of XXXX then XXXX installments of XXXX in total of XXXX then two XXXX dollar charges total of XXXX .all together XXXX. On XX/XX/XXXX a toda of XXXX was transferred to unknown merchant
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (FL)

This is difficult to explain as these issues started in XXXX  and have now resulted in a staggering escrow shortage. My loan has been transferred 5 times within the almost two years that I have had this mortgage. I have repeatedly inquired for prior payment history as there have been mounting issues that started with one of the original servicing companies Specialized Loan Servicing. There were several issues that caused me to get behind at one time on the loan and request modification. I finally got caught up with sending multiple payments at a time, while the only suggestions made by them were short sale and foreclosure. I repeatedly asked about modification options as I wanted to keep my home and do whatever I needed, I just needed more time and assistance to navigate the process. I had no idea, that all along they were ordering drive by inspections on my home without helping me to modify at all. The whole process was mind boggling and mentally taxing. I tried to keep up with the mounds of confusing paperwork, outrageous requests, terrible customer service and lack of assistance to move forward. I finally got the modification approved after haggling for months and sending multiple payments along with getting XXXX involved. No one would call me back to address prior payment issues before it was sold to XXXX. XXXX stated there was no modification and it turned another fiasco with Change lender stating they never agreed to a loan modification and I was literally on my final payment. Once again, its Now transferred to XXXX XXXX and they have sent notice of a {$5700.00} escrow shortage which would mean I have made no payments all year to escrow and there is nothing further from the truth. I am so confused by all the name changes of these companies and changes of servicing. SLS is also mentioned as XXXX XXXX and XXXX I believe. This is causing a lot of stress and mental anguish. I Need Assistance, Please Help?
Consumer complaint received 2023-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (IN)

RENT RECOVERY SOLUTIONS is attempting to collect an alleged obligation on behalf of AT XXXX XXXX. RENT RECOVERY SOLUTIONS on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with RENT RECOVERY SOLUTIONS. the original creditor XXXX XXXX XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX XXXX XXXX XXXX during the signing of MY LEASE. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of XXXX. Per the debt collection laws RENT RECOVERY SOLUTIONS is in violation of the FDCPA, XXXX as the alleged debt as been satisfied. RENT RECOVERY SOLUTIONS and XXXX XXXX XXXX XXXXXXXX is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. RENT RECOVERY SOLUTIONS has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave RENT RECOVERY SOLUTIONS a license to use the mark. A invoice is attached
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

Several attempts to correct incorrect information on my credit file. 
Submitted documents XX/XX/XXXX to verify LEGAL NAME, date of birth and SSN, sent Certified, return receipt. Not updated. 

Called XX/XX/XXXX, first employee was extremely rude and refused to update information because creditors are reporting wrong names and have to be disputed with each creditor. 

Second call, rep assured me all other names have been removed except my LEGAL NAME OF XXXX XXXX XXXX XXXX They assumed me everything would be updated. 

XX/XX/XXXX review resolved CFPB notice, and Experian disputes being closed without action. 

EXPERIAN / XXXX still reporting names that DO NOT BELONG to me. 

The credit file is still incorrect after numerous calls and submission of documents. 

Experian / XXXX is refusing to correct my Legal Name which is the only name I have used for decades. 

This is a direct violation of my rights under the FCRA and numerous US CODES.
Consumer complaint received 2024-06-10
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. (TX)

The fraudulent, incorrect, and misleading information on my credit report persists despite my numerous efforts to resolve the issue. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is essential to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I was offered a XXXX  % AMEX account on charges and balance transfers transfers for XXXX cycles. XXXX  months after the account was opened I saw the interest was raised to XXXX  %. 
I made XXXX calls until someone said, " Oh, because you had an open account with the company, ( an account I tried to close with a {$200.00} limit that I never used ) you were not eligible for the XXXX % offer. .... I had to ask, " Why did you open the account in the first place? 
No answer. ... I said I will pay the {$8400.00}, ( amt. without fees ) at XXXX % for the XXXX  months. 
My offer was never passed up to the decision makers. I was take advantage of by a company acting like a loan shark!
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TN)

On the XXXX bay of XXXX I tried to send my landlord XXXX $ via pay anyone on my chime account when I hit send the number I had entered changed from a phone number to a name that I dont recognize now chime is saying that Im responsible for the money and that they could not do anything about it
Consumer complaint received 2024-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (WY)

After getting CMG mortgage response from my last complaint. They say I missed a payment and was late on another. This is inaccurate! I believe they didn't fix the problem to begin with. I would like to know if I can request an independent audit on my account. This company is either illegal, or don't know what they are doing. If they are doing this to me, how many others are they doing it to?
Consumer complaint received 2024-02-27
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: CITIBANK, N.A. (NY)

This has been on going since XXXX  with no resolution at all! XXXX until XX/XX/2022 I had my maintenance automatically withdrawn from my Citibank checking account however the merchant says they never received my payments even though they were deducted out of my checking account. I filed a formal complaint with Citibank as well as the department of Finance but they were not able to assist me in refunding me for these payments. Citibank keeps saying they refunded me however the next month they charged my account back for the payments!
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this message reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and financial hardship. 

I have diligently reported this matter on multiple occasions, with the initial complaint lodged. Regrettably, each attempt to resolve this issue has been unsuccessful, and the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 
I urgently request the following actions be taken : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure an exhaustive and effective attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made, providing transparent updates on the ongoing investigation and efforts to resolve this issue. 

Implement additional preventive measures on my account to mitigate the risk of future unauthorized access or activities. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/2023.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I pulled a credit report in some credit cards are on my report that I have no clue aboutcapital one for XXXX. XXXX for XXXX. Capital one for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts
Consumer complaint received 2024-01-22
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. ()

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is a violation of my FCRA rights. Please remove immediately 6. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


Capital one has never contacted me in regards to sharing my personal information nor have they ever given me any information on how to opt out i have requested capital one to remove the charge offs and the late payment information from my consumer report multiple times as that is personal information and they have yet to comply with anything i have asked of them but now i know they are directly violating my rights. Then remedy for this is for capital one to remove all charge offs from my consumer report as well as all late payment information repossessions of any kind as it all falls under personal information