davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I requested my credit reports from the 3 usual agencies. I received two of the three ( from XXXX and XXXX ). Yesterday I received a letter from Equifax requesting additional personal information. The letter claimed that they " were unable to locate a credit file in our database with the identification information you provided ''. The letter requested that I provide Social Security Number, DOB and current and former addresses, and proof of address. I prepared copies of all of this documentation and composed a letter including the information in written form. I was looking at THEIR letter to find the address to mail this information. That's when I discovered that there were two different addresses in the letter. I thought that was very odd. There are other odd things about this letter also, for example the information is all requested twice in the letter. Anyway, I called the phone number that was provided in the letter, in order to pin down which address I should mail this information to. The phone number was answered by a pre-recorded advertisement for a medical device. I then checked online for a phone number for Equifax, and I called it ( XXXX ) XXXX. After several security questions, I was connected to someone with a heavy XXXX accent named " XXXX ''. I explained all of the above, and I asked him if they ( Equifax ) had sent me this letter. He said no, we did not send you a letter. I asked if they had received my request for a credit report -- He said yes we did. I said " Are you planning to mail it to me? '' and I said that I had already received my credit reports from the two other agencies ( XXXX and XXXX ). He said yes and then asked me to confirm my address. He said the credit report will be mailed out and he gave me a confirmation number. I asked him why I received this letter and he said something vague about fraud and if I was concerned about fraud blah blah ( I could not understand his heavy accent so I just let it drop ). I decided ( and hoped ) to just see if I actually do receive this credit report. Later on I felt that I should probably report this to some type of consumer fraud agency, and googled for options, and came up with the CFPB. I had also looked on the New York State Attorney General 's website but I did not find anything directly related to this type of fraud complaint. I decided to start with CFPB.
Consumer complaint received 2018-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NV)

On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. 

My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. 

On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-08-31
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. (NY)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX 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 further 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 7 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 person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

At XXXXXXXX  on XX/XX/XXXX, two pending XXXX payments from our Chase Business checking account to the name XXXX. One transaction was for {$1400.00} and the other was for {$1500.00}. Neither myself or my business partner have knowledge of XXXX. I contacted Chase immediately by phone, and was told that a fraud investigation would be started and that our account would be credited back in 4-5 days. Later my business partner discovered that his personal computer had been hacked and that it made it appear that the XXXX contact had been added by him ; it was not added by either business partner.. 

On XX/XX/XXXX, a letter from from Chase indicated : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I followed up with Chase at the phone number they provided, and the representative said there was nothing else they could do. 

I followed up with XXXX, and XXXX will not take any type of action unless you are using the XXXX XXXX, if it is XXXX through your bank then XXXX directs you to contact your bank.
Consumer complaint received 2018-11-16
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. (TN)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (CA)

I was contacted by mail from a debt collection agency named XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, about a PayPal debt sent to them as a collection. This account was evidently opened using my name and address in 2022, but it was not me that opened it. From the email address that showed on the letter from Pay Pal, it was clearly identify theft. They claim I owe {$420.00} for a purchase I never made, and have sent two letters demanding payment. The first I knew of this issue was after being contacted by the collection agency, PayPal never reached out to me by mail to validate the account or purchase. NOTE, the XXXX XXXX reference number is XXXX.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

It is my belief based on the conversation and the fact that USAA has canceled my account ending in XXXX and refused to do business with me because someone has done fraud on my account using my ID and other documents. It is my belief that the fraud event occurred between XXXX and XXXX. I have been going through XXXX  XXXX and homelessness and am currently in a safe place to address the situation of my life. The fraudster may have used an auto insurance policy and other documents. I have contacted the USAA fraud dept. several times over the month of XXXX. They have said that they would contact me but have not. They know malicious activity has happened on my account. Instead of informing me they have chosen to alienate me without explanation. I have been a member/shareholder of this company since early XXXX. 

I went through the online verification process and In XXXX of this year I spoke to a representative in the fraud dept. I was given a fraud dispute number ( XXXX ) and the representative said someone would be reaching out to me, however, I have not gotten a response as of this date. I called back and then I was told that USAA was exercising its right not to do business with me and that I should check my Credit report for suspicious activity. I can not get USAA on the phone to at least tell me what happened on my account thru them. I have submitted my ID and my phone number and tried to work this out, but they have become unresponsive to me. The fraud happened to me on my account, and I am being punished for something I did not do. Furthermore, I can not protect myself because I don't know what actually happened. 

USAA is only concerned with protecting itself from being liable and not helping me with the situation forcing me to deal with this on my own by blacklisting me. I have to sign declarations involving another person in order to get products and services from other companies which I believe is due to these events that occurred without my knowing. I have done nothing wrong and will take a lie detector test or fly in person to the executive branch of USAA with my identity documents. I would like justice. 

I also did not receive any money from my subscriber account as I am a shareholder of USAA and should have some say in how things go or get a phone call to explain what happen. I can not update my phone number, email, or address.
Consumer complaint received 2023-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Good afternoon, There was a recurrent purchase for a XXXX last year in XX/XX/2022 with a card ending in XXXX. In inadvertently purchased a new XXXX account in XX/XX/2022 with the same company with a card ending in XXXX ( Capital One ). The XXXX ( XXXX XXXX  ) company did not notify me and I was unaware that I had made XXXX purchases with the same company for the exact same service. This year after the XXXX payment was drafted, I received an email that a recurrent charge of another {$89.00} charge would be billed to my account with card ending in XXXX. I reached out to the XXXX company and let them know that my XXXX card had already been debited in XXXX and to cancel my account ending in XXXX immediately in XXXX of this year before the billing due date. I also requested a credit for the time that I was paying twice for the same service, which they declined. The XXXX company then charged my account once again in XXXX for {$89.00}. I have since cancelled my service with the XXXX XXXX and disputed the second charge with my credit card company ( Capital One ). I sent them all supporting email documents ( the email chain is somewhat repeating, but my request is on or around XX/XX/XXXX ) with the XXXX company regarding the cancellation request in XXXX of this year and explained as I have here what had transpired. They did not credit my account and closed the dispute claim. Please let me know what recourse I have to receive a credit and/or reopen the case. Thanks for your quick action regarding this matter.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't Experian know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and XXXX
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (FL)

I am submitting this complaint against GM Financial Funding Department to report this bank/lender to Consumer Financial Protection Bureau . The reason for this complaint to report GM Financial for depriving me of my rights and my documentation for this purchase. I have attempted to resolve this matter amicably and in good faith for the last two months. However, this company has been non responsive via telephone or email. I have requested all documentation in reference to this purchase, including approval letters, welcome letter, sales contract, and reason for closed funding several times. 

I am the Co-Buyer for the purchase of the XXXX XXXX XXXX. I purchased this vehicle in XX/XX/XXXXXXXX  at XXXX XXXX XXXX, I was approved with GM Financial as my lender for the funding of this vehicle. I signed the sales contract with buyer XXXX XXXX on XX/XX/XXXX. I was advised by the dealership that funding can take up to 30 days to process. On XX/XX/XXXX, I received a call and a voicemail from XXXX XXXX, from GM Financial Funding Department requesting stipulations from me to process the funding for this deal, since GM Financial did not receive any stipulations from the dealership. I provided the requested employer information over the phone to XXXX XXXX on XX/XX/XXXX. I also emailed XXXX XXXX on XX/XX/XXXXXXXX  the rest of the stipulations that he was requesting. After I submitted the requested stipulations I did not hear from XXXX XXXX. I emailed him several times to request all documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was non-responsive and still has been non-responsive to all my requests via email and telephone. I have also reported this individual and my experience as to requesting all my documents to XXXX XXXX, which is the Vice President of GM Financial. I reported this matter to XXXX XXXX on XX/XX/XXXXXXXX  via telephone. However, there was no resolution to this matter and I still have not received all my documents that I am entitled to by law. I am requesting for this bank/lender to be investigated as to they are depriving me and my legal rights to the documents of this purchase.
Consumer complaint received 2023-12-21
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 (NE)

I signed up in XXXX for an American Express Delta card to get plane tickets and a {$350.00} promotional credit after I met the terms. I met the terms by XX/XX/XXXX. I did not get credited my 40,000 miles either. 
The credit was to be put on my card within12 weeks ' time. It was not. So I called and waited and called a 2nd time it was escalated. I have also had 3 chat sessions with reps about this and they keep saying they will credit my account because I meet the terms in XXXX But then I don't get my credit for miles or funds. 

XX/XX/ I just chatted again with a rep and she said she will escalate it. This has been done before with no success. I feel I have been taken advantage of and am not being heard. My latest chat ID was XXXX XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.
Consumer complaint received 2023-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I paid car loan off in XXXX XXXX. After multiple conversations due to late payments reported in XXXX and XX/XX/2023 due to app payment issues, this was not removed. I paid loan off due to frustration and XXXX weeks later have another late payment reported on XX/XX/2023 even though the balance is XXXX and I received refund for over paying. Bank of America admitted the issue on XXXX XX/XX/2023 at XXXX and told me they would fix but to also call the credit bureaus.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (VA)

I've attached a file below with the information needed including the date, company and amount owed. I'm disputing this matter because I don't know who this is nor am I familiar with the company involved. I want this taken off my credit report immediately!!!!!
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

XX/XX/XXXX-XXXX XXXX has a late payment on my credit report ; XX/XX/XXXX Comenity Bank Victoria Secret has a late payment on my credit report ; XX/XX/XXXXXXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (TN)

I got this car from American Can Center on XX/XX/2023. At the time they told me they only had 3 cars on the lot because they were about restock. They never intended to restock they were selling all the cars with the intention to shut down the entire business. Although this loan is predatory in nature and numbers I still agreed to it because I needed the car. They told me that this lease could help improve my credit score. After making one payment to American Car Center, the following week on XX/XX/XXXX American Car Center abruptly closed down all operations. Since that time Westlake Financial has called and informed me that they took over the loans but couldn't provide me with tags because they never bought the titles from American Car Center and they were working on that. I have had this car 7 months and can not drive it due to not having tags. Also the car was broken into and nearly stolen because it's a targeted car being a XXXX which has a defect that allows them to be easily stolen. I can not get it repaired because there is no where to get it repaired due to the closure. What can I do to get out of this horrendous deal?
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Systems International, Inc. (TX)

On XX/XX/2021 Credit Systems International, Inc stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 XXXX and XXXX is reporting that the account has not been removed.
Consumer complaint received 2023-12-20
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




UNAUTHORIZED INQUIRIES : 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 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 not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.