davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION (MD)

I received an Auto Loan from Navy Federal and refinanced my debt with XXXX XXXX. I was instructed to ask XXXX XXXX to forward title. XXXX XXXX informed me that they sent the information. Navy Federal is now saying that although they have the title they need a release of XXXX. I received a letter that they have increased my payment doubling the interest rate and will revert back XXXX  days. XXXX XXXX has indicated a release of lien must be requested from Navy Federal. After a call with both institutions the forms are to be forwarded in XXXX days. A Navy Federal supervisor XXXX was so nasty to me. She said this is our policy and it will not be changed. I made every effort to get the information they are not responsive to members. I have a CD with Navy in excess of the car loan. There is no way to talk to anyone in leadership. They continue to treat minorities inappropriately. We were told Navy Federal would have the lien recorded and take {$20.00} from our account to accomplish Certificate of Title secured by Navy Federal.
Consumer complaint received 2024-06-19
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: CITIBANK, N.A. (FL)

Disputed a charge of {$550.00} in 4 payments of {$130.00}. Received 3 credits missing 1 Inaccurate information seriously damaging my report. Never missed a payment.

Wrote letter, Citibank received on XXXX XXXX and never reply.
Consumer complaint received 2024-01-29
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)

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.

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 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 no
t 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.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

I am writing to dispute an error on my EQUIFAX credit report. After reviewing the report, I have noticed that my name is spelled incorrectly for the entire report. The correct spelling of my name is XXXX XXXX, but it appears on the report as [ XXXX XXXX ]. 
Details of the error : - Incorrect Name : [ XXXX XXXX ] on the entire report - Correct Name : [ XXXX XXXX ] I believe this error may be violating the Fair Credit Reporting Act ( FCRA ), Section 611, which requires consumer reporting agencies to ensure the accuracy of the information reported and to investigate disputed items. This discrepancy could adversely impact my creditworthiness and financial standing. 
I request that you promptly investigate this matter in accordance with the FCRA and correct the spelling of my name on my credit report. 
I also request that you provide me with a written confirmation of the correction made to my credit report once the investigation is complete, as required by law. 
Please treat this matter with urgency, as the accuracy of my credit report is crucial to my financial well-being. 
Thank you for your prompt attention to this matter. I look forward to the resolution of this dispute.
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (WA)

I signed for a vehicle with my sister in law in XXXX through Chase Bank. She was responsible for making monthly payments each month of approximately {$500.00}. At the end of XXXX of XXXX I was notified via XXXX XXXX XXXX XXXX personnel that there was a charge off on an account I was responsible for. This was a surprise because I was not aware of any owed debt. Chase Bank never sent me any notice that the account was past due, in collections, or in a charge off status. Once I verified the debt with Chase, and that in fact payments had not been made, I paid the account in full. I am not disputing the debt, only their practice in not notifying me of the lateness of the debt. I am a XXXX  and only learned of this because my security manager informed me that my top-secret security clearance was in jeopardy. Had Chase notified me earlier and properly, I would have fixed the situation before it harmed my security clearance and my credit.
Consumer complaint received 2024-01-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

THis is a TRIPLE AAA FALSE FRAUDULENT CONTRACT for the VERY SIMPLE FACTS that MY XXXX XXXX WAS DESTROYED WHILE PARKED ON A XXXX XXXX @ XXXX XXXX XXXX XXXX CA. XXXX BEGINNING OF XX/XX/2021 XXXX XXXX XXXX POLICY WAS PRE -PAID FOR XXXX  MONTHS UP TO XX/XX/2021 I NEVER RECEIVED THE REIMBURSEMENT FOR XXXX  MONTHS OF THE PRE PAID CAR INSURANCE XXXX XXXX  STILL OWED I STILL HAVEN'T RECEIVED THE RENT REIMBURSEMENT FROM XX/XX/2021 FOR {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR THE DEDUCTIBLE THAT XXXX XXXX XXXX FROM THE CAR OWNER INSURANCE POLICE L.A.P.D WAS CALLED AND POLICE THE L.A.P.D OFFICERS WROTE EVERYTHING BECAUSE MY CAR GOT DESTROYED WHILE PARKED. THE PHOTOS OF MY DESTROYED CAR ARE AT THE XXXX XXXX AND I EVEN HIGHERED ATTORNEY MOMBASSER TO DEAL WITH XXXX XXXX SHENANIGANS BECAUSE THEY WERE TRYING TO PAY FOR A RIDICOULOUS AMOUNT OF MONEYS. THESE ARE TRUE FACTS AND I HAVE ALL RECORDS AND PHOTOS TO PROVED THAT THIS IS A FRAUD AND I'M APPALLED THAT XXXX XXXX HAVE THE AUDACITY TO TRYING A {$250.00} SCAM THE CONTRACT PROVIDED BY AWA COLLECTION AND XXXX XXXX PRESENTED A FALSE AUTO COVERAGE CONTRACT BECAUSE I HAD NOT CAR OR XXXX XXXX  INSURANCE SINCE THE DEVASTATING ACCIDENT IN XX/XX/2021 MY INSURANCE END IT AND XXXX XXXX OWED ME MONEY 'S AND IS TIME TO PAY ME AFTER XXXX  YEARS.
Consumer complaint received 2024-01-29
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. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one 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 Ive attached a copy of my report to this complaint on the following date ( XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-05-26
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. (CA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other names or addresses on my consumer report.
Consumer complaint received 2024-05-26
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: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there should be no other names or addresses on my consumer report.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (PA)

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NM)

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : JPMCB CARD SERVICES # XXXX XXXX XXXX XXXX & XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IN)

I receive notification from court that I was being sued for credit card debt that was purchased by collection agency. They said that I bought sent over {$3000.00} at XXXX for earrings. I did have a XXXX credit card but I never used it and assumed the account was closed. I sent in a response back in 2020 that I disputed the debt and never heard anything back. I also disputed the debt on my credit report and it was removed. In XXXX of this year I received a notification from my job about possible garnishments. Apparently, there have been multiple hearings that I was not notified about to be able to defend my side. When I contacted the collection agency, they keep saying they are gon na send me information from the XXXX but all they sent was a statement.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WA)

To whom it may concern, On XX/XX/2024, I opened a new Wells Fargo checking account with a promotional offer of {$300.00} bonus after 90 days. The terms and conditions stated the following How to get your {$300.00} bonus : 1. Open Open a new Everyday Checking account from this offer webpage with a minimum opening deposit of {$25.00}, by XX/XX/2024. 

2. Deposit Receive a total of {$1000.00} or more in qualifying electronic deposits to your new checking account within 90 calendar days of account opening ( the qualification period ).

3. Enjoy Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements and will deposit any earned bonus into your new checking account within 30 days. 

It has now been over 90 days and Wells Fargo is refusing to issue the {$300.00}, even though all of the offers terms and conditions have been met.
Consumer complaint received 2023-12-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MD)

I deposited a check in the amount of {$21000.00} with Wells Fargo. The bank cleared the funds and said the balance is available in my account to use, no restrictions posted or notified about, no waiting period. I paid my taxes due, other loans, and made other expenses based on the available balance in my account. Per their own admission there is no notification of any holds on any fund on my account. They declined my transaction after letting my account being overdrawn - {$1900.00} without any single notification. On their end, hidden from me, the fund will not be available to me until next week. I made financial decision based on the funds available and they are ruining me financially because I will end up defaulting on the IRS agreement and missing other loan payments. I have made large amount deposits in the past in the same account and have not had any issue before. They are refusing me access to the funds they say I have available, and refusing to cover the charges made, but I have proof that my account has an available or posted balance of {$21000.00} at this time.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank, purchased another lender, and Wells Fargo 's, opened " an unauthorized loan account " under the name of the lender that Wells Fargo had purchased. That is one reason Wells Fargo will not provide any copy of a loan agreement with my name on it..
Consumer complaint received 2024-01-28
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. (GA)

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services XXXX to make any consumer report containing any adverse item of information IAW 15 U.S.C. 1681c ( a ) ( 5 ).
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

On XX/XX/XXXX I called BarclayCard to dispute the purchase related to a free luggage benefit on its XXXX XXXX XXXX. The XXXX check in desk refused to honor it stating that the benefit must come in form of credit from Barclays Card. Since the CSR refused to provide this benefit and and attempted to switch the call to XXXX representative instead, I requested service to dispute the purchase. It was refused by the Barclays Card XXXX based representative. I was then told that supervisor will call back within 1-2 business days to address the issue. Nobody called back. Meanwhile Barclays XXXX put the card and its charge into the overdue category while assessing late fee and finance charges. On XX/XX/XXXX I called again and I requested to speak with the XXXXbased supervisor that has authority to address the issue. Once again the XXXX based representative, this time named XXXX put me into a very long hold with assurances that I will be transferred to the XXXX representative to address the issue. However he lied to me after XXXXXXXX XXXX hold and assurances I was still unable to speak to someone to address the issue. It is evident that Barclays Card is unwilling/unable to address the issue and it doesn't want to provide a free check in luggage benefit it advertises as benefit on its card. This type of behavior is truly reprehensible and possibly illegal as the company is not only misrepresenting its financial product terms and condition but it is also not interested in providing a meaningful and productive customer service. It is outrageous that the Barclays Card customers are treated this way.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (CA)

Bill date was XX/XX/XXXX. Original bill was never sent to my medical insurance to be billed. I have active medical since XX/XX/XXXX. Bill was sent to debt collectors. Was sent a notice to old address which I never received. Called insurance and bill was settled. Kept receiving calls from collectors. Kept telling them the bill was settled two weeks ago which was on XX/XX/XXXX but kept stating client never updated information to reflect. Told them twice to call their client. Bill is settled and Im tired of receiving calls that feels like harassment. In the photos below I have the times when they called me. Called my insurance as seen in the photo on the XX/XX/XXXX and everything was settled.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I received an alert that I have a bill in collection which was a surprise to me so I pull up my credit report and I see something from XXXX a bill for XXXX I dispute this back in XX/XX/XXXX after about a month the item was removed ok great I happy about that. Well this morning XX/XX/XXXX I receive an alert of a bill in collection I know this cant be so I check and not only has XXXX been placed back on my credit report but they are now say the balance is more then double and that I just open this account in XX/XX/XXXX. This is not my account this has hit me hard and has dropped my credit score very much. This cant be right there has to be something that can be done.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2024-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation (TX)

I have recently become the victim of identity theft. I have checked my CRAs and found these accounts and disputed them as fraud. I was told by the CRAs that these companies verified these accounts as accurate. I submitted all the appropriate documentation that was requested by the CRAs. These accounts are the result of identity theft and do not belong to me.
Consumer complaint received 2024-01-26
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. (TX)

I am writing to bring to your attention the serious infractions committed by Clarity Services , Inc. regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that Clarity Services , Inc. is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, Clarity Services , Inc. is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.