davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (CA)

creditor- AVANT.COM XX/XX/XXXX XXXX I reported my card lost and requested a new card Fast forward to XX/XX/XXXX I received an email that stated that my card had been activated. I immediately called the creditor and explained that the card was not in my procession and that someone had activated it. 
The agent I spoke to on the first phone called said my husband had activated it for me. mind you I am not married and I have never allowed anyone to have access my cards. 
I immediately said no I did not authorize it lock the card. 
The agent said he locked it and upon looking at my account I found a fraudulent transaction for {$840.00} made at XXXX in XXXX. 
I submitted a claim and I was denied. I been trying to ask for the recordings from the day the account was activated and I have been denied. I also called the merchant today and they stated that they could only provide receipts and nothing else. 

AVANT wont allow me to reopen the claim and it was denied internally by their bank From XXXX XXXX XX/XX/XXXX the credit card was stolen and it never made it to my mailbox please help me I don't know who else to call
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (OR)

Ok I believe I was involved in a scam..my account was closed due to a company who is holding my girlfriends inheritance money. This company was to deposit money into my account. They abused my account by 1. Submit a loan application without me knowing. 2. Changed phone number on my account so I couldn't get verified when calling my bank. 3. Put a pin on my phone app so I couldn't sign I'm. And 4. Was reported on my account for " suspicious activity ''. So the day I got paid, XX/XX/XXXX, I went to XXXX to make a purchase got denied twice. So I call my bank and then was told my account was blocked due to the activity. Was told account would go through a review. I called couple days later to check, was told account will be closed in 30-60 days and then I would get my money. I am a 100 % service connected veteran. My XXXX pay and SSXXXX pay are sitting in that account. I have no access to my money. Zero. My rent is late, supposed to be getting my eviction notice in mail. Let me tell you, if faced with being homeless, I have let it be known I will kill myself before being homeless. That is XXXX 's honest truth. I have bills to pay, groceries to buy, I'm having to start panning my possessions to turn my phone back on pay some bills locally. I will have to go pawn more in a day or so. This is not an acceptable way to live. I need my XXXX money! Or I will die period. Please help me...
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

THE SUMMARY OF EVENTS/ COMPLAINT. 
PennyMac keeps failing to comply with loan servicing and loss mitigation guidelines. I have been attempting to get a loss mitigation compromise from PennyMac which allows me to keep my home for months. I keep getting bad information from PennyMac and am stuck due to issues on PennyMacs side. 
I am divorced from XXXX XXXX, who was a co-borrower and a co-owner. She has not lived here for years and she has not been an owner of this property for more than 3 years. PennyMac has a copy of the deed which proves that XXXX XXXX transferred her ownership interests to me in XXXX. I am not in touch with XXXX XXXX, I am not able to get in touch with her, and she is not cooperative or involved in this. 
PennyMac keeps sending documents, including to my address, which are addressed to XXXX XXXX. PennyMac has known for years that XXXX XXXX does not live here. 
One example of PennyMacs behavior is that it told me I had to have XXXX XXXX permission to sell the home ( not that I want to sell it ) even though shes no longer an owner. I now believe that statement to be completely wrong. 
PennyMac also stated that it was sending me a loan modification type offer which included removing XXXX XXXX as a borrower. This turned out to be false. Instead, it again sent partial claim documents to be signed by me and by XXXX XXXX. 
Instead of moving forward with the type of offer which would resolve this, PennyMac filed a foreclosure case. While I waited for the offer I was supposed to get, the amount of the delinquency claimed grew larger. 
I am obviously not the only person who has been divorced from a co-borrower. There must be options for modifications when an ex-spouse who is NOT an owner wont cooperate. I have done what PennyMac has told me to do each time to modify my loan and take XXXX XXXX off the documents such as the deed in my name and then insurance in my name, divorce decree. Each time they would ask for one of those and I was told that they would take her name off. in the mean time they said to skip that payment thus putting another month behind. I can afford to the house payment but they have misguided to the point of where I am. 
**There is a foreclosure hearing scheduled for XX/XX/XXXX. At that hearing, PennyMacs agents will be seeking to schedule a foreclosure sale of my home. ** THE RESOLUTION/ WHAT SHOULD BE DONE. 
The foreclosure case should not go forward. PennyMac should direct its North Carolina agents to dismiss or at least put on hold XXXX XXXX, North Carolina case # XXXX SP XXXX. 
PennyMac should provide a loss mitigation option which allows me to retain my home, taking into account that my former wife, co-borrower XXXX XXXX, is not an owner, not a resident of the property, and not cooperative.
Consumer complaint received 2023-03-31
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: EQUIFAX, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (NM)

Etrade Morgan Stanley Max-Rate Checking account would not process cash transfers. Would not list verification deposit amounts from external funding accounts in transactions. Placed unauthorized and unidentified {$150.00} hold on available account funds with no explanation for six days. Account was frozen with no access to last remaining {$150.00} from XX/XX/23 to XX/XX/23. Etrade refused any explanation for unauthorized hold on account while no charges were pending. All current transactions were posted and cleared yet unidentified freeze on funds remained for six days.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.
Consumer complaint received 2015-09-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MEI AUTO FINANCE INC (TX)

This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I took out XXXX XXXX XXXX XXXX auto loan but somehow a credit card account was opened too. I never did this. The XXXX XXXX fraud team sent me an e-mail validating this is not my account. Please remove the reporting for the XXXX XXXX XXXX XXXX closed credit card account. It is a balance for about {$3000.00}.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (LA)

My bank did not refund/credit my account after someone had stolen my money. I filed a police report and emailed it to them. They didn't give a written response as to why they didnt refund the money. The date of the transaction was XX/XX/2023 at XXXX for the amount of {$480.00}
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act everything on my credit suppose to be accurate on my credit report 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 Also Equifax took more than 30days to complete my investigation. I sent Equifax my request to investigate XXXX retail Account number XXXX which they received XX/XX/2023, tracking number ; XXXX Equifax has the incorrect date opened, high credit balance incorrect, credit limit incorrect, last reported date incorrect, and the date last active incorrect.
Consumer complaint received 2022-11-23
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these immediately : 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
Consumer complaint received 2023-03-31
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: Bread Financial Holdings, Inc. (VA)

On XX/XX/2023 The Credit bureaus stated Account CCB/ULTA & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2018-04-12
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 — Was not notified of investigation status or results
Company: FORD MOTOR CREDIT CO. (FL)

On XX/XX/XXXX I returned my Ford Focus sedan to the Ford dealer in XXXX, FL at the conclusion of a XXXX lease. The car was clean and returned with approximately XXXX miles LESS than were paid for. I sat in the dealership for approximately 20 minutes while the vehicle was inspected. 

On line number " 26. '' of my original lease titled " RETURN OF VEHICLE '' it reads " Prior to the scheduled return of the Vehicle, You may be requested to present the Vehicle for inspection at a reasonable time and location. '' This did NOT happen. The vehicle was " fully-inspected '' by a third-party company at a date AFTER the scheduled return of the car and AFTER I " signed-off '' of the conclusion of the lease. This is a violation of the lease contract. 

In the months after return of the vehicle, I did NOT receive contact from Ford or Ford Credit. No  invoices detailing issues with inspection of the car were received at my address. 

On XX/XX/XXXX I was sent a letter from " XXXX XXXX XXXX XXXX XXXX '' for collections. Upon receiving this letter, I immediately called Ford Credit, and they would NOT speak to me about my account. They would provide me NO INFORMATION. They only rudely responded, " we do not deal with your account any longer, you must call the collections company. '' I spoke with XXXX XXXX services and responded within their requested time-frame a written denial to the validity of the collection. They sent me a copy of my original lease and a link to the website of the company ( XXXX XXXX XXXX ) which inspected my vehicle. I viewed the online photos at XXXX XXXX XXXX, and still see that the car seats are NOT stained. On XX/XX/XXXX I paid XXXX XXXX, as I was trying to avoid serious impacts to my credit, as I sought avenues to fight this debt collection. 

In XX/XX/XXXX, I was sent an invitation to refinance my current car at a lower rate by XXXX XXXX. On XX/XX/XXXX, I was sent an XXXX report from XXXX XXXX XXXX as part of the explanation of why I no longer qualified for their initial offer. After looking at my XXXX XXXX report, I see that Ford Credit severely damaged my credit by XX/XX/XXXX. I was following all of the requests of XXXX XXXX  to resolve this matter in their time constraints, meanwhile Ford Credit already closed my account as " unpaid '' and severely impacted all of my credit scores. I believe this action is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-02-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (GA)

Im currently XXXX  XXXX  military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX  law
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX. 

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 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2023-03-31
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. (LA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXXXXXX XXXX Balance Owed : {$250.00} This complaint will be my follow-up complaint to ensure the listed accounts are verified.
Consumer complaint received 2016-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Recovery Services, Inc. (IL)

This debt is from a residence of 4 years ago, we were never sent a letter of intent to collect a debt. I did not receive a notice of right to dispute, nor did I receive any phone calls to collect a debt from XXXX XXXX, as I did n't realize I was being charged. Upon review of my credit report, the balance was sent to collections. I called the collection company to offer a settlement of {$500.00} and she laughed at me over the phone, lied to me about her title at the company, and then was very offensive, talking to me like a child. She offered me a settlement amount that was over my means, telling me that her supervisor approved that amount. When I asked to speak to a different supervisor, she stated " I AM THE SUPERVISOR LADY '', and she was very rude and offensive. I then spoke to another " supervisor '' who stated she was the supervisor, and unfortunately they could n't help me lower the settlement amount.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX