davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel financial has been falsely reporting missed payments to my creditors and flagged it for repossessions. I have never had any contract with this company, nor have I had any car or auto loan from this company. The company refuses to provide me with any documentation or information thats has my signature. I am a victim of identity theft this is hurting my credit report I'm not able to get a home or anything with this false account. According to the FCRA all accounts must be legally verified or removed. A police report was filed when I found out about the fraud account and it has still not been removed from my credit they are still reporting falsely.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

Chase moves the debits around when your account has a low balance and causes your account to overdraft. Then they charge an overdrsft fee for each. My account had a balance of {$19.00} on XX/XX/XXXX. One item of {$39.00} was debited to my account. All the items that had been paid were shuffled around and they were able to come up with three items within that {$39.00} range that the could charge fees on. This happens all the time. This is my third complaint about this practice at Chase. If the overdraft fee is bal is I dont have a problem paying it but they are manufacturing fees.
Consumer complaint received 2020-01-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

On XX/XX/2019 I applied for the fay servicing borrower assistance. I spoke with and corresponded with my account manager, XXXX XXXX, on multiple occasions and provided additional documents as requested in a timely manner. I attempted to contact XXXX XXXX in XX/XX/2019, and when I could not reach her I opted to speak with someone else in the office I was advised they could not speak with me and transferred me back to XXXX XXXX to leave a message if she did not answer. 
On XX/XX/2019, XXXX XXXX returned my call and indicated she had been trying to contact me I asked what number she had called as I did not have any missed calls from her, her response was " Gurll I don't know who I have been calling, I thought you had ghosted me! '' On XX/XX/2019, XXXX XXXX advised me my application was complete and was sent to underwriting for review. At that time XXXX XXXX indicated she would contact me weekly with updates. That was the last time I had contact with XXXX XXXX. I have left voicemail messages and emailed her numerous times. I have never received any decision on my loss mitigation application and as I stated XXXX XXXX is not returning my requests for information. Foreclosure actions have been filed.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IL)

On XXXX, I attempted to reload my American Express Serve Prepaid Checking Account and the card got Declined at 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( kiosk Machine XXXX, XXXX, and XXXX ). I thought it was someone who had hacked the Kiosk Machine ( again ) and chose to prevent me from paying with card. So, I called the XXXX XXXX ( XXXX ) XXXX and shared how someone hacked the Kiosk Machine and prevented me from reloading my XXXX Card ( {$1.00} ). This occurred around XXXX XXXX. EST. Then I arrived to XXXX XXXX, FL ; chose to pay for a Strawberry Milk Shake at the XXXX  located at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and my transaction kept saying DECLINED. I knew I had at least {$12.00} ( rounded off ) ; and it kept saying DECLINED over and over. So, I had to pay for the order in cash ( see image - {$2.00} ). Once I received the order, I called American Express Serve again, this time to speak to a Representative vs. hear my balance. XXXX answered the phone and said that a purchase of {$11.00} was used at XXXX ( yesterday XXXX ). This took place at a XXXX in XXXX, NY. It was in Pending status ; and that I have to wait 8 days for the Merchant to answer some questions. I told XXXX I want to DISPUTE the transaction. I twas not me. I did not shop at XXXX yesterday, XXXX. I only used my card TWICE yesterday, XXXX ; and therefore, since {$11.00} is STILL NOT in my account today, XXXX ; I am filing this CFPB complaint. 
In conclusion, please have {$11.00} credited back into my account. Make American Express Serve Department secure my account better and add my name back to the account the way it used to be. I am still who I say I am. I have not lost my identity, rights, or benefits in our country. I have my freedom 100 % ; and I don't understand how this really all happened. Perhaps your end does. I even emailed CFPB LAST night past XXXX XXXX. EST from my mobile phone ( XXXX ) XXXX ; and I still do not have the money in that account. Please have the online account fixed and the money placed back. It's a complete CRIME for anyone to steal that money and then say, " XXXX transaction. '' The last day I was in NY was on XXXX. I've been back in XXXX Florida since XXXX, and I have NOT left. Again, please have the money placed back in the account. Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-07-01
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. (NM)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-01-06
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)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I went to the bank After my shift was over in a XXXX I walked over to the machine I had three stacks of money the first stack was {$77.00} and that went in perfectly into my account the machine was out of receipt paper it offered to send the receipt to my email I refused because I trusted the machine to count my money and put it in the account the second time I went to use the machine I put the money in the machine it counted it it never show me how much I put in the machine and then it kept saying please wait an then the machine spit out my card and it never went in my account or was counted for .. I went to the bank after I called them first thing in the morning the woman there told me that I need to know how much money I put in there I told her that it was late and I was tired and I was drinking and I trust the machines to put the money in the account and I trust machine to count my money she just told me that she would just put a dispute in and then she told me that its my job to know how much money I have putting my account So I asked her theres no way for you guys to check the machine to find out where that missing money went and she basically told me she couldnt help me and earlier in the morning when I first called the woman hung up the phone I just feel like they were unprofessional and they didnt try to do everything they could to help me the other woman made it seem like I just lost money
Consumer complaint received 2020-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (UT)

IC Systems is attempting to collection a debt on my credit file that I do not owe. The original creditor is XXXX XXXX I did not receive any notices or letters of this debt. I only knew of the debt when I had my credit checked. As soon as I found out I called and paid it.This is a violation of my 30 day right to dispute and request that this debt be removed of off my credit. This debt is no longer owed.
Consumer complaint received 2020-01-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

My leased car matured XXXX 2019 and returned the lease document and purchased the same vehicle. 
The Infiniti financial office in XXXX office said the headquarter will send me the lease deposit to my home but never did. 
They were even supposed to pay off my last lease payment but ended up paying the last bill after 2.5 months and my credit score went down by XXXX points too.l I spent countless times getting hold of the rep in the company and tried to get my money back. They always said either they were working on it or sent to my home.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (FL)

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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

Our experience with XXXX XXXX is very negative.Aside of sending wrongful amount on the bills, it is destring physically our community. Last week XXXX subcontractor had blown up 3 buildings in XXXX XXXX, it shows the profile of the company I am complaining about. 
In XX/XX/XXXX after speaking to customer service rep. I was told we owe nothing, 2 year contract finished in XX/XX/XXXX, my phone is paid off. After long fuss, going to their store, not receiving credits for wrongful charges we and our daughter are on collection for XXXX Collection Agency is Convergent, client # is XXXX, spoke to XXXX XXXX Please help to bring this company to behave fair, and with intergrity
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: BARCLAYS BANK DELAWARE (ID)

XXXX purchases were made by me on my credit card in XX/XX/2023. I enrolled in the deferred payment option for both purchases that the credit card was offering during the same billing period. 

When I saw my XXXX statement I noticed that the entries made by XXXX XXXX ( I believe that this is the name of the company the credit card company uses for their deferred payment plan ), the entries were incorrect and created an additional debit for each item on my account. I made numerous phone calls to customer care and no one would even look or tried to understand the difference between debits and credits or review my statement. They said that the statement was correct. After getting no where, I sent a letter with examples explaining why the entries were incorrect to Credit Card Billing Disputes, Card Services and Credit Card Payments departments. The package sent to Card Billing Disputes was certified and I received notification that it was received and signed for. During my phone conversations with them, I told them that since this seems to be an issue, I will go ahead and pay for these XXXX purchases on my XXXX statement, but they need to cancel the deferred payment plan. They said they could not cancel the deferred payment plan. Leaving me to pay for the items on my statement and then deferred payments for the next XXXX months. 

I have not heard back from them. I sent them a message a month ago asking for the status of my complaint, and they never responded. 

I deducted the XXXX original purchases from my XXXX statement. I always pay my monthly balance in full with the exception for this time. When I received my XXXX statement I noticed that they did not mark my statement paid in full as they always had in the past indicating that I still owed for my XXXX original purchases. As the months went by, I stopped using this card to bring my balance due to the original XXXX purchases. They are using the payments I have made toward recent purchases to apply to the XXXX XXXX plan. By the end of XXXX months, my account balance will end up being double the original purchase amounts. I am more than willing to pay for the XXXX original purchases as long as they delete the deferred payment plan.
Consumer complaint received 2022-12-27
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found several items on my credit report that are inaccurate. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties the bureaus are damaging my reputation and credit worthiness.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MS)

In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to SLS. SLS is reporting missed payments on XXXX. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.
Consumer complaint received 2020-01-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (HI)

I made an order to TransferWise on XXXX XXXX, 2019 for converting {$830000.00} XXXX dollars to USA dollars, and transmitted the {$830000.00} XXXX to them. Because of the long time it took them to approve the associated documents, they cancelled my order and requested that I inform them where to send the {$83000.00} refund. They then, without my permission, resurrected the cancelled order and made the transfer any way using the original conversion rate of XXXX XXXX. Since the order was cancelled, they had no right to do this without my permission. I was accordingly prevented from obtaining the refund that the cancellation involved, and using this money for a new order. Since the rate of exchange had improved at the time of the cancellation from what it had been in the original cancelled order ( and has remained improved to this day XXXX, I have incurred a substantial loss, in not having the {$830000.00} available for a new order that I intended to make. I can substantiate these facts in particular from a XXXX XXXX email from Transferwise in which they state concerning the unauthorized resurrection of the order " I believe that a confirmation by yourself would have been necessary before proceeding. I am sorry this did not happen ''. 

In resurrecting the cancelled order, they transferred the {$830000.00} XXXX using the XXXX XXXX rate of XXXX resulting ( after theXXXX % fees ) in XXXX USD, whereas a new order would have employed the improved rate that had become current of XXXX resulting in {$580000.00} USD. So because of the unauthorized transfer I received {$9500.00} USD ( {$580000.00} - {$570000.00} ) less than I would have been able to receive if the unauthorized transfer had not been made and I had been able to use the {$83000.00} in a new order as planned. I accordingly requested transferwise to reimburse me the {$9500.00} loss that I had thereby suffered. Their response was merely a limited offer to waive their commission on a future transfer that I might make.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have received mutliple calls from Portfolio recovery group asking for me they never verify any of the information and instead ask me to verify myself to them i have instructed them to stop phone calls to me and all communication 4 times and they have continue to harrass me i have rcvd 6 calls today alone from them.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America XXXX XXXX XXXX XXXX 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 accounts are showing on my credit report which I don't recognize. I tried to file a complaint before to these companies to remove it from my credit report, but no action was taken.
Consumer complaint received 2023-03-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (DE)

I had a lease for a XXXX XXXX XXXX, 42 monthly lease payments of {$830.00} Audi Financial took the last payment due in XX/XX/XXXX ; the lease terminated in XX/XX/XXXX I submitted a check, which Audi cashed in late XXXX, to purchase the vehicle for {$29000.00} at end of lease Its now XXXX and I still dont have the title, odometer statement, or bill of sale Today ( XX/XX/XXXX ) Audi said its with a third-party vendor for sending me the completed documents, but they werent sure when that would be. 
The agents/employees for Audi have provided bad information such as were short on staff because of covid, were using a third-party vendor and theyre backed up, and Im assuming child care is in issue as one time I called and had to talk over a crying child.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NV)

On XX/XX/XXXX my Apple card was compromised I contacted Apple support and informed them, and they closed my account and said I had XXXX liability. I continued to make payments until it was clear my account was completely closed. My account was closed in XXXX of XXXX. As of XXXX of XXXX, Apple started reporting me to the credit agency negatively without any written notification. I asked them to verify my address and they had the wrong address on my file as well. I contacted them regarding the issue, they informed me that they would correct it, all to just report the account as charged off as of XX/XX/XXXX