davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I placed a freeze on my report in XXXX with Equifax. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago. 

In regards to both Equifax and XXXX when I submit a dispute sometimes they rule in my favor and remove the account sometimes they dont but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they dont belong to me. If they can not provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that cant even be verified as theres only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.
Consumer complaint received 2022-11-11
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (TX)

The account is not my account and I have never had any business with Duvera/ XXXX XXXX  XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-07-27
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY ALONG WITH MY SOCIAL SECURITY CARD AND PHOTO ID THE OPEN A MORGAGE, UTILITY, CREDIT CARD AND BANK ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCMENT AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-04-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

Amex prepaid gift card # XXXX I'm having trouble using my card ; it gets declined every time I try to make a transaction. I don't get declined all the time but XXXX out of XXXX times, it gets declined at the various places.
Consumer complaint received 2022-11-11
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 inaccurate.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid 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. (NJ)

I went to a car mechanic shop where misdiagnosed my truck.The owner of the shop has diagnosed my truck with lifter issue because of my truck is ticking excessively.The oil pressure was low and they claimed that the oil pressure sensor has to be replaced and the oil pressure will return normal.They have been working on my truck for 5 weeks and I got back truck in worst shape than before.I can not drive it at all.The low oil pressure light is on after few minutes of driving.If you are driving a car when the oil pressure light is on you can ruin the engine right away..I went back to the shop but they refused to fix the problem.I went to another shop where they diagnosed the truck has a bearing issue thats why the lifters are making the noise and thats why the oil pressure is low.They did work on the truck what it should have not been done at all.My truck needs a new engine.The shop who charged for the repair offered me to readjust the mileage on my truck and I can sell it for more.They offered me an illegal solution for my problem.They could not fix the problem thats what their solution.They charged me XXXX $ for work what it has not been done at the first place.They pulled me in to do the work on the truck after that they did not leave me with other option just replace the engine.They misdiagnosed the problem and thats why I filed the claim with my credit company.I was not satisfied with the service.My credit card ruled against me because this people threw a few fake bill claimed that they did more work on the truck and I just paid for the parts what they installed.Who did the work? I thought whatever parts you installs you are responsible for that.I spent XXXX $ for the parts and XXXX for the labor and my truck is not drive able at all.I have been without my truck since May and I am looking at engine replacement.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX my bank ( XXXX ) did an electronic funds transfer in the amount of {$200.00} to my Kohl 's Credit Card ( Capital One ), Trace ID XXXX. I logged onto my Kohls charge account on XX/XX/XXXX and noticed my payment had not been posted. I emailed and called customer service and they stated that my payment hadn't been received and that if I didn't make a payment immediately they would report my delinquency to the credit bureaus. I informed them that I had the information regarding the EFT and asked if I could send proof, they gave me a fax number ( XXXX ) and told me to fax the proof, which I did. I have since followed up on XX/XX/XXXX and XX/XX/XXXX and they are refusing to acknowledge my payment. As a response to my email on XX/XX/XXXX, they sent me my original message. They have yet to acknowledge my email from XX/XX/XXXX. All written correspondence is attached, I called them on XX/XX/XXXX & XX/XX/XXXX, but didn't get anywhere on the phone either.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX and XXXX I got a call from a chase bank number. The bank teller I was speaking too was informing me that {$5000.00} was taken out the day before and that another {$5000.00} was being taken out of my account currently. The bank teller told me to send money through a XXXX account so that they can send me the card with my money in it. I then went to chase bank and they told me that it wasnt one of their workers and that I was getting scammed. When I asked for them to dispute the money and put it back in my account they told me they couldnt do so and since this is considered a federal offense Id have to report to the authorities. I spoke to a chase bank manager and after many hours he told me hed open up a claim. Ive come to find out that today ( XX/XX/2021 ) that they closed the claim without informing me, nor were they able to give me my money back. I was scammed out of {$10000.00} total. The scammer keeps contacting me as-well. I have video proof of me speaking to them also.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

My wife and I are XXXX XXXX XXXX. In XX/XX/2021, we filed an application for a home mortgage refinancing from CITIBANK NA. We have submitted a ton of documentation for the application ( some of which were submitted multiple times ) ; 6 months have passed and still the loan application is pending. I have not heard of a loan application that has taken this long and it feels that we are being discriminated. 

We have complained to upper management and still up to this day, we have not gotten a approval.
Consumer complaint received 2019-12-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OK)

I pay all of my mortgage payments through my bank 's online bill pay service. All payments have gone through and have been deducted from my bank account. For some reason my mortgage company did not apply my XX/XX/2019 payment to my mortgage. I have spoken with numerous different people at the mortgage company ( XXXX XXXX ) and I have sent them the documents they have requested and they are still refusing to credit my account. I spoke to two different people recently who reviewed the information I sent and they both told me that it was adequate proof of payment and they would get it resolved within 3-5 business days. However, I finally got in touch with a supervisor and she said that they need additional documentation. I have spoken with my bank and they have sent me every proof of payment they can think of and I have forwarded all of it to my mortgage company but they are still refusing to credit my mortgage for my XX/XX/XXXX payment. Can you help please? 
XXXX XXXX
Consumer complaint received 2021-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-07-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My capital one CD was closed without any acknowledgement to me and money was transferred to a separate account which was not listed on my CD. I had no clue that the money was transferred to an external account. Your money is not secured in Capital One as they can transfer your money without your authorization to someone else 's account. This is a clear case of unauthorized fund transfer and they take no responsibility with this. Every time I call them, they said it was done in error and they have no option to fix it. Capital One should be held responsible for this as my money was transferred to an external account which was not listed on my CD. They can wrongfully take your money away
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MO)

PART 1, ACCOUNT : 1 : They close my credit card account without my permission.

2 : When I ask how to reopen my credit card account. They basically told me that they can't. BUT, I can reapply for a new credit card.

3 : After waiting for while for them to contact me about my c. card app.. I checked online for my status on the app.. It could not find my app anywhere in there system.

I filled out another app.. Again, it could not find my app anywhere.

3-5 apps later. Same thing. Including 1 app I did at my local Best Buy.

( IT CONTINUES IN PART 2, not just yet! ) 4 : Was FINALLY able to finish or get an update on my apps when I called them. They littery asked me the same questions that was on the Credit Card apps!

4.5 : For some reason, even tho I have a " Excellent '' credit scores of " XXXX '', I could not " Qualified '' for the same Best Buy Credit Card I had that they closed without my permission. 
They CLOSED my account that has NO FEES, and want me to get a card that has a $ XXXX  yearly FEE with a HIGHER interest rates!

PART 2, ONLINE : I was unable to log into my account on the website anymore after I sent them a Secure Message.

On the website, it keeps on asking me Security Questions that I pick out years ago. 
There is big problem, I FORGOT the answers I did for the Security Questions I picked out years ago. 
The only way I get access to my account is threw the Best Buy app. When I tried to change/update the Security Questions/Answers, it wants to answer the Security Questions that I forgot the Answers to. 
My 1st secure message to them was about " Part 1 ''.

My 2nd secure message to them was mostley about " Part 2 '', THEY REFUSE ANSWER my 2nd message.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

I purchased a vehicle in XX/XX/2021 using Chase Auto Finance. The car was totaled on XX/XX/2021 4 days after purchase. The original loan amount was for XXXX and my insurance company paid out XXXX of it on XX/XX/2021. The first payment was not due until XX/XX/2021. However, my vehicle service contract cancelation refund covered the remaining XXXX balance. This payment was sent and dated on XX/XX/2021. But, the company Chase backdated the payment to XX/XX/2021. According to this information the payment is not 30 days late. But, somehow I still have a late payment on my credit report. Chase is refusing to update my credit report and fix their mistake. I have called numerous times and I just get stuck in an endless loop of being routed to different departments.
Consumer complaint received 2016-12-05
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

XXXX is offering an exchange rate of XXXX pesos per dollar on TV and the internet. I opened an account to send a small amount. according to their website, they state this : " The Promotion will entitle eligible customers to : make XXXX ( XXXX ) transfer of up to {$990.00} to XXXX at the foreign exchange rate ( the " Special FX Rate '' ) published on Remitly 's Special FX branded landing page or mobile application that linked to these Terms and Conditions, as that rate was published at the time that you submitted the transaction. 
Special FX Rate Conditions. The Special XXXX XXXX will be applied by XXXX directly to your qualifying transfer and can not be used on subsequent transfers. The Special XXXX XXXX is subject to change from time to time at XXXX 's discretion. The XXXX will be valid for qualifying transfers submitted during the XXXX Period and must successfully complete to be eligible for the Special XXXX XXXX. '' I sent XXXX dollars and XXXX pesos should have been received but only XXXX were deposited. When I called customer service they said I should have sent XXXX dollars, but I said the ad does n't say that. 
XXXX is deceiving customers with deceiving advertisements, that 's clear
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (AZ)

I sent an Affidavit of Truth to Experian suing for hard inquiries that were on my report. They were never given my written permission to furnish the information and it has caused my reputation and life harm. The letter was received on XX/XX/2021 and the hard inquiries are still on my credit report as of today, XX/XX/2021.
Consumer complaint received 2021-07-27
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. (TN)

I contacted Equifax on XX/XX/XXXX. Confirmation # XXXX. They completed on XX/XX/XXXX. I then contacted on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Conacted again on XX/XX/XXXX, Confirmation # XXXX, they completed on XX/XX/XXXX. Opened another on XX/XX/XXXX, Confirmation # XXXX, not completed yet. 

I orginally sent Equifax a listing of my Bankrputcy Schedule from the courts, with all my included creditors, as well as the discharge when it happened. There is still at present date a creditor from XXXX/XXXX XXXX that was opened in XX/XX/XXXX, Showing a Charged off Status with a balance of {$35000.00} as of XX/XX/XXXX. Numerous documents from the court and discharge has been sent to Equifax. They keep opening new disputes and it is not fair that I have to keep waiting for this account to be updated and reported correctly to be discharged and included in my Bankruptcy Chapter XXXX Case. There is no reason why that Equifax has to keep on delaying the process to update this account to reflect as included in Bankruptcy. 

When you call Equifax, you reach reps that are not in the US and if you do get someone in the US, they will not escalate the call to a manager or supervisor. This information should have been corrected within 30-45 days of my initital contact. They should not be opening multiple disputes and wasting my time.
Consumer complaint received 2024-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRUIST FINANCIAL CORPORATION (TN)

I was scammed on a $ XXXX I lost it all. I hired and gave XXXX of are to settle my debt for an agreed amount. Im depositing {$400.00} every mont. not missing a payment. 
Yesterday. Nearly 6 months later, mon XXXX, XXXX XXXX sent me an invoice for the XXXX + {$16000.00}. Atty fees? 
I didnt hire them. My company XXXX XXXX has been dealing XXXX them. 
XXXX law is now contacting me when its unlawful threatening me for payment I want to know my legal recourse for threats, harassment and False invoices on outrageous fees. 

I going to sue them