davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, transunion, XXXX etc and nothing. Please help me.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TN)

Dear President Trump. As a follow up to my complaint against Navy Federal Credit Union, they sent me a note telling me that under the circumstances the only thing they are willing to do is to extend the credit card note two extra months but also warned me that I would pay increased interest and fees. 

I am asking that as a direct result, you permanently deny Navy Federal Credit Union any relief under the stimulus package because they are taking money under false pretenses. They are not providing equal relief to the customers and in many cases, like mine, are increasing the amount due significantly based on the 27 % interest they are charging. 

I do not think this was your intent. 

It has been my experience that the Navy Federal Credit Union and their leadership are corrupt exploitive and have no truth in them.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

A thief stole my social security number and used it to hack into my Experian account and run several soft inquiries and two hard inquiries ( XXXX and XXXX  ). I was able to stop the XXXX card in the application process. I was able to close two credit cards opened with BOA, via their Fraud department. Experian is showing both were legit inquiries even though they were not run by me. Again, the thief was able to access my Experian account and change the email address to XXXX ( not my email and I have since corrected this ). I learned of the identity theft when the thief set up an account with USPS and placed my mail on hold. USPS has been notified and I was able to retrieve my mail before the thief did. A police report has also been created. I'm not sure what the call to action is here. More than anything, I'm wanting to alert you to how easy it was for someone to gain access to my SSN and subsequently my credit report.
Consumer complaint received 2020-04-09
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. (OH)

Hello I submitted a complaint to equifax XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX regarding the INVESTIGATION and Debt validation XXXX. According to the FCRA an investigation should not take longer than 30 days and debt validation should not take longer than 15 days.
Consumer complaint received 2020-04-09
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. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (DE)

I received a copy of my credit report and saw that an account was wrong. I previously sent a letter requesting they update me with a copy of my account statements and I received my Certified letter back in the mail last week that I sent on XX/XX/XXXX. I spoke with a rep and he said they can't provide the statements without me asking in writing. I explained what happened and he gave me an updated address. I have written letters to the company and the credit bureau since XX/XX/XXXX with no response on this account. 

I need a copy of my statement because I'm sure I paid on this account. I had XXXX children while working on my credit and that is why I fell behind but I know I put down a deposit to get the card and I paid more afterward. When I look at my report the information is different. The high balances and don't add up to the current balance when you consider the deposit. They are different for all the bureaus. They range from {$0.00}, {$140.00} and {$220.00}. There has to be something missing. 


I also called the collection agency that the rep told me to reach out to, to request the same info and they said that it is a prepaid debit card when it is a secured credit account. A prepaid debit card is different from a secured card. 

I feel like they are passing me around and I need help so I can buy my house. 

I would pay if it is shown I owe the account but they refuse to provide me with the statements and a letter with a balance isn't enough. The balance on the credit report doesn't add up and the balance that is on my credit report is different from the balance that the collection agency told me on the phone. The report says {$140.00} and the collection agency has {$140.00}. 

Can you all make them send me the statements for the time I had an account with them or is there anything that I can do?
Consumer complaint received 2020-04-09
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. (TX)

I contacted XXXX, XXXX, and Equifax concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.
Consumer complaint received 2020-04-09
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. (AR)

My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2021-10-14
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: Santander Consumer USA Holdings Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-04-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (GA)

The company XXXX XXXX XXXX sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Consumer complaint received 2020-03-29
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: BMW Financial Services NA, LLC (FL)

I've recently sent out three disputes about my BMW Financial car loan with XXXX, XXXX  and XXXX. These are the dates of the disputes XX/XX/2020, XX/XX/2020 and XX/XX/2020. On all three of the disputes I've been told that the accounts are verified but I have yet to receive any proof of the accounts being verified. On my XXXX and account the total of the balance has been set to {$0.00}.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

There has been several Credit Transactions That I was charged a gratuity tax on which was never explained to me or made clear when the card was issued to me through Unemployment of PA. I spoke to the Assistant Director XXXX on several occasions who became very abrupt and rude as well. From The beginning, I wanted to use my XXXX XXXX Acct which they screwed up. I ended up using the card and every time I use the card to call and pick up food from XXXX XXXX in XXXX, I get a hefty surcharge tacked onto my total. This has been goingg on for quite some time and I have called and tried to get XXXX Customer Service. I have called more than once, been talked down to and disrespected as well as hung up on, especially when asking for a Supervisor.Not only XXXX, But there are other restaurants they are overcharging me as well with this Gruity Tax Thing.I am not dining in especially due to Corona virus, We are not allowed. On Monday XX/XX/2020, I was charged XXXX for a purchase of XXXX at XXXX. they said that he charge was from XXXX  but I called XXXX 2 days ago and they said they would refund the XXXX which XXXX hasn't yet put back on my card. I told XXXX   Benefits that I no longer wish to use their service. These People at  XXXX are very ignorant, disrespectfulal and rude and I all monies refunded to me or a lawsuit will ensue. I have already contacted State Republican XXXX XXXX Office.I finally got a supervisor on the phone like a day a day ago and she tried to get me off the phone and completely disrespected and ignored my complaint and asked me if I wanted to cancel my card and be transferred to dispute complaints.
Consumer complaint received 2020-04-09
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX {$2100.00}
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA refuses to close this account. 

Requesting since week of XXXX XX/XX/2021 due to unauthorized funds transactions. 

There is no longer a debit card attached to this checking account ending XXXX. 

Delay last week, IT issue. 

IT Ticket Spoke with XXXX XX/XX/2021 Received a phone call regarding unauthorized charges day of IT Ticket and phone call from above representative. 

I had just received a text with a USAA number to reach for the the unauthorized purchases to make contact. 

Representative legitimate contact at USAA in question. 

Refused service except for open account.
Consumer complaint received 2020-04-09
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I am filing my compliant against USAA my bank. I filed disputes with a company where they ran my card through more than once. I did reach out to the company as well several times. I filed a dispute with USAA and received provisional credits. I began to receive letters from the bank that my dispute was sided with the vendor because they provided receipts. I also have receipts for the accurate charges on XX/XX/XXXX XXXX advising she was with the disputes team reached out and we discussed all were valid but one, after that I began receiving notices that the money was being taken back out, as USAA had sided with the vendor. I began reaching out. To date, I have spoken with Executive Resolutions Team, A manager and 10 reps who all leave notes to reopen and/or to contact me. I have even filed a XXXX  complaint and USAA wil not help me. Finally yesterday I received a call after attempting to contact since XX/XX/XXXX advising she was with disputes, I missed the call, the voicemail she left stated for me to call in and leave a message for her to contact me or to have the rep read the notes, I called back in at XXXX XXXX and spent 15.47 minutes on the phone while the rep looked for notes that were not there. USAA will not help me or even give me a chance to inquire why. Its sad when its my money, it is a time of limited work and they helping a business take my money. Just wish someone would help me.
Consumer complaint received 2021-10-14
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I have a recent and current police report on file with Chex Systems for being a victim of identity. The following reported information on my Chex Systems Consumer Report ID : XXXX, are fraudulent and unauthorized accounts and information : XXXX XXXX XXXX, account : XXXX, XX/XX/2021, {$660.00}, and XXXX XXXX XXXX account : XXXX, XX/XX/2021, {$120.00}. The following credit inquiries are fraudulent and unauthorized : XXXX Texas, XX/XX/2021, XXXX XXXX, XX/XX/2021, XXXX XXXX XXXX XXXX, XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX Texas , XX/XX/2021
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (UT)

I am being charged late fees from citi bank Best Buy credit card. I have been charged {$25.00} on 3 separate occasions and the only thing i have done is try to make payments. I now have lost {$75.00} to fees. I have tried to reach a customer service representative only to be put on hold hours on end. I have tried signing in on their mobile app, on my phone, and on my laptop with no luck. Every time i try to sign in it has issues signing into my account with associated birth date, social security, etc. and locks me out of my account. I have been able to get into the account one time on my XXXX through XXXX  and it showed no minimum payment due, but a balance of {$620.00}. The full amount it says i owe when it charges the late fees is {$1300.00}. I want to pay the full amount so i never have to use this card or company again. I have pictures of my bank account and the fees they are pulling. They have pulled fees XX/XX/XXXX XXXX and XXXX of this year. I made a payment on XX/XX/XXXX of {$620.00} through their automated system since that was the only place i could make a payment and the maximum amount it would allow me to pay only to be charged with two more {$25.00} fees as i have said above. I still have not been able to reach anyone and it has been about 2 weeks since i have been trying to pay this card off in full and get the late fees waived.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo auto reported late payments in XXXX and XXXX of XXXX. I was not late in making payments. I had a final loan balance due of XXXX dollars in XXXX of XXXX with accumulated late charges of approximately 800 dollars, they said in order to continue making payments on only the late fees they had to leave a balance of 1 dollar to keep the account open. My last payment for the loan was paid in full in XXXX of XXXX. They reported 30 days late with a balance of 1 dollar for XXXX and XXXX. I tried mailing info to dispute center at wells fargo and no response, I tried disputing through  XXXX  and they closed the account and left the late payments.
Consumer complaint received 2020-04-09
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I've initiated a return with XXXX for an XXXX XXXX XXXX  XXXX XXXX. I've requested a return within the XXXX return policy and followed the required steps ( see pictures attached XXXX XXXX provided me with a repaired XXXX  return shipping label with a tracking number XXXX XXXX XXXX and it was successfully delivered as of XX/XX/2020. Later on XX/XX/2020 I've received an email from XXXX  that I should expect a refund issued, however I haven't received it. Kindly proceed with a dispute and please, consider all supporting documents attached
Consumer complaint received 2020-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. 

ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2023-01-20
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2020-03-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (SC)

I reached out to NCB Management ( XXXX and XX/XX/2020 ) in regards to a collection with them that was included in a chapter XXXX bankruptcy that was discharged. They received the paper work from my Lawyer ( XXXX XXXX XXXX in XXXX, SC ). Per my conversation with the representative she stated that they received the paper work from my lawyer and the bankruptcy court but they will not change the way it is listed with the credit bureau, she stated that is the way they report and nothing will change.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my credit card accounts ( 2 total ) without a merit and they wiped out my cash back bonus as a result. Their banker at the branch also did not understand the issue and we wrote a letter to Citibank together and still not refunding the cashback ( {$2800.00} total for two accounts ). Due to this unjust decision they dont issue a refund for the cash back that I have been saving for years. Citibank stated that they have right to close the account and I can not get my cashback that I saved for years. During these hardship times, Citibank is not very helpful and I have been trying to resolve this issue with the Banker since she understood the issue but Corporate does not want to help. 
there are two credit card accounts that they closed one 's end is XXXX the other is XXXX.