davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

During our 5 months trip to XXXX for daughter XXXX, XXXX XXXX didn't respect the contract made with XXXX XXXX stating that XXXX  wasn't in XXXX but under XXXX. 
They started charging our card {$940.00} every month which I disputed right away. 
Under the advice of USAA, I cancelled my first card but USAA still accepted amounts to be debited to the new USAA card which they had send by XXXX. XXXX charged all kinds of other amounts which I was never told as what it was for or didn't authorized these amounts, written or verbally. They even charged a card after cancelling the new one, a card which was in our safe. Fines for handicaped parking space was also charge although I had send several copies of the XXXX handicaped car of my daughter which was allowing the car to be parked on that spot. 
i have since XX/XX/2023 disputed many times, their decisions ( USAA ) but still no answers and them allowing for XXXX to still take amounts out of the credit card account even as the car was already in their possession, they charged us {$910.00} - disputed once again but still no actions from USAA. USAA is supposed to protect their service members
Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

On XX/XX/2019, a bill pay, payment was sent from our bank in the amount of {$1400.00}. As of today, the mortgage company, PennyMac, claims they have not received payment and have not located the payment. Our bank has faxed all of the information to the mortgage company to track the funds. The mortgage company claims their research department is working on the matter, but it has not been resolved. This same information for the payment was used in 2 other payment transactions successfully in XXXX and XXXX of 2019.
Consumer complaint received 2019-12-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Consumer complaint received 2023-01-16
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: GOLDMAN SACHS BANK USA (WA)

I have had a credit card with XXXX XXXX for approximately XXXX years. During which time, I have been having difficulty receiving the card in the mail. The card would be lost in the mail, and fraudulent charges made. 

XXXX would often take weeks to resolve this, and send numerous e-mails with conflicting information. Today, I notice XXXX took back a {$220.00} credit for XXXX of these fraudulent charges saying the merchant showed " information ''. Clearly, my card was stolen and used and thus, the merchant would have information about some purchase, which is not a surprise. I have not ordered nor received anything.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (MN)

Ive requested XXXX, XXXX and XXXX to remove AMSHER collections inc from my credit profile. Amsher has not been able to provide originating debt documents from XXXX XXXX XXXX. I requested the service address of debt in question along with agreement signed by debtor with XXXX XXXX XXXX and service type in detail.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

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 a account without my written instructions ( XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-01-16
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: CITIBANK, N.A. (AZ)

XXXX In connection with the collection account with citibank XXXX In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/24 citibank sent me an email that my account is blocked due to suspicios activity and that i need to contact them to fix the issue. I called and then they said that my account is under review for closure without any reason and that i should be receiving a letter in the mail and my money that i have in my checking account which is {$20000.00}. 

I've been calling for the last weeks and they keep saying that it can take XXXX days to close the account and for me to receive my {$20000.00} in check that i have to wait. Its already XX/XX/24 and i need my money i have went to the branch to obtain my funds, they said i have to wait XXXX days to get my money without any reason or letter. 

I.m a XXXX patient and i need the money for my treatment, nobody responds my emails please help
Consumer complaint received 2023-01-16
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is for the credit card ending in XXXX. 

Bank of America is XXXX  and the people who work there are thieves. One particular employee, XXXX claims that {$140.00} was placed back on to my card on XX/XX/XXXX. I am disputing this amount with XXXX XXXX ( XXXX. ) The bank can not locate where the funds went XXXX! So XXXX made up at the top of her head XX/XX/XXXX I was recharged but every time I ask her for proof of the recharge she says No!!! Thats proof right there this bank is shady!!!! Dont let this bank get away with this. I want my money back!!! THEY HAVE IT. I went through a complaint process with XXXX for XXXX too and XXXX  investigated it throughly and said its BOA who has my funds NOT XXXX!! So since BOA is incompetent and fails to realize their error, Im left without renters insurance and it is still on my card!!! They stole from me!!! Please escalate this to someone higher. 

Short summary of what happened : : XX/XX/XXXX purchased renters for {$140.00} Disputed that amount on XX/XX/XXXX since they didnt send any proof of coverage. It was then put back on XX/XX/XXXX but on XX/XX/XXXX it was declined by BOA. 
According to this girl XXXX it was placed onto my card on XX/XX/XXXX. What bank cant provide a proper document of that??? This is illegal and this is why they are acting shady!!!
Consumer complaint received 2019-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Sierra Holdings LLC (TX)

Unfortunately my lack of knowledge concerning loans and refinancing has me in a car loan that is now upside-down. I paid cash for my car 11 years ago. I was asked on XX/XX/XXXX to co-sign/co-borrow for a XXXX XXXX XXXX  XXXX, I told the sales manager I was not comfortable with the amount of the finance charge or the length of the loan. As I am on XXXX, and did not want a debt I would normally not get myself in. Amount financed {$15000.00} which includes {$290.00} for the Gap Addendum Waiver, had I known I could get that on my own instead of adding it to the amount financed I would have not agreed to it. And yes this is a subprime loan but even with a co-signer Sierra Auto Finance charged 20.58 % APR making the finance charge {$11000.00} almost as much as the car! After 72 months the total of payments is {$27000.00} for a used car. The manager assured me the loan could be refinanced without me after a year of on time payments, what he did not say was no one will refinance a car that is 10 years old and it was at the end of 9 years when we signed and 10 by the time I found out. On XX/XX/XXXX we went to a car lot and they ran a report and due to a wreck and potential odometer rollback that we were not told of, they offered {$3000.00}! The payment is {$380.00}, but he did not explain that it is a simple interest contract and the finance charge is charged daily from payment to payment not due date to due date, so if you pay 2 weeks before due date and think your ok until next due date, they are going to be charging you finance charge for XXXX instead of XXXX so basically you are screwed. Earlier in that week of XX/XX/XXXX we had signed a contract for a XXXX XXXX from XXXX XXXX, 60 months and {$5000.00} cheaper but Sierra turned that one down but approved the higher priced one. In my contract that XXXX XXXX XXXX XXXX, the company that is servicing the loan now, the one they sent to CFPB, the dealer section is actually from the XXXX not the XXXX. After I found out about not being able to refinance the car I called Sierra and explained the situation and asked if they would refinance and was told they do not refinance their own loans. I have a copy of the sales contract where XXXX XXXX XXXX  XXXX, buyer has same last name as CEO of XXXX XXXX, they bought the car from the auction for {$8700.00}, the finance charge is more than that, and I am paying {$27000.00} for the same one that will be 15 years old by the time it is paid off!
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

Company charged me after account was called in for fraudulent activity. Wanted me to pay for fraudulent charges without contacting me back from a call I had with XXXX I was penalized for my wallet being stolen
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (NM)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the XXXX XXXX Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (MI)

Debt collector had over 30 days since XX/XX/2019 to produce a ( wet ink ) contract since disputed through all three credit bureaus and has been in violation of both the Fair Credit Reporting Act and Fair Debt Collection Practicing Act. Debt collector is sueing me in state court. No valid ( wet ink ) contract which is required by law. Is damaging my credit by falsy reporting debt to credit agencies such XXXX, XXXX, and XXXX.
Consumer complaint received 2019-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan and was contacted by someone who said they were affiliated with XXXX XXXX. They offered me a loan and transferred money into my account according to them to verify that the account was mine. After verifying, they said that I would need a return the money to them, which I did via an XXXX XXXX  transfer. but I never received my loan as promised this happened on XX/XX/24, today on XX/XX/24 the money that was originally deposited into my account which was a total of {$520.00} was stop payment and pulled out my Chase account which I am now liable for.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-09-22
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-08
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. (IL)

I paid off my full credit card balance of {$6800.00} on XX/XX/. After the payment was cleared, I then called XXXX to close my credit card on XXXX XXXX XXXX The XXXX agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, XXXX charged an interest charge of {$25.00} on XXXX XXXX XXXX XXXX business days after my credit card was closed. XXXX never sent me any sort of communication or email stating the new balance was due. XXXX months went by and XXXX then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of XXXX 's failures. I have reached out to XXXX multiple times and XXXX agents are unwilling to reverse their credit reporting error. XXXX is standing by their reporting stating their XXXX statement shows an interest charge of {$25.00} but the disconnect is that XXXX charged their fees XXXX business days after I closed my account. Also, no communications were given to me to give me the chance to either dispute or pay the erroneous interest charge. 
Please help to look into XXXX 's fraudulent behaviors and help to reverse their credit reporting error.