davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I did not know that Equifax got hacked in XX/XX/2017 and never received notification in the mail as they stated they were going to notify everyone affected. 
My homeowners insurance is coming up for renewal and they can not renew it because Equifax put a flag on my account when it got hacked stating Potential Fraud. 
Equifax refused to remove this even though I gave them PLENTY of personal information that would prove that I was who I was in able to get the flag removed. 
I am not able to aquire homeowners insurance because a Company that I DID NOT GIVE PERMISSION to receive and store my personal information let it be stolen. 
They stated that my NAME, SOCIAL SECURITY NUMBER, BIRTHDATE, ADDRESS, WORK HISTORY and everything else they collect got stolen. 
*I WANT A NEW SOCIAL SECURITY NUMBER XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX
Consumer complaint received 2019-07-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

On XX/XX/XXXX i made partial payment towards my vehicle which was due date on XX/XX/XXXX. Left balance of XXXX. Advise i will make payment on XX/XX/XXXX i was told HAD to give my checking account information to prestige financial on the XX/XX/XXXX for that payment and for my XX/XX/XXXX payment as well? To stop collections calls. I advise per the contract that was signed i got 15 days grace period before i was considered late.I also ask why would set up XX/XX/XXXX payment now if its not due at this time? I got the typical response of : You have a 15 day grace period before a late fee is assessed. As soon as you are 1 day past due, you are past due. Once you have hit 10 days delinquent you are then sent to our in-house Active Collections team. Which still didn't anwser why i would set up payment before its even due?? In my opinion they are not following the language that i signed in the contract.
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

Received the loan for {$500.00} on XX/XX/XXXX in store after the previous loan was paid off on XX/XX/XXXX for {$550.00} over the phone. The XX/XX/XXXX should have been due on my next payday XX/XX/XXXX, but the online system stated my payment wasnt due until XXXX. I tried to make a payment on XX/XX/XXXX through the online system, but for some reason it dated my payment for XXXX. I called customer service on XX/XX/XXXX and XX/XX/XXXX, to try to resolve the issue and both times the wait was over 2 hrs before I had to disconnect the call due to no response. I allowed the payment to process for XXXX, which it did ( I  have proof from my bank statement ). I waited 24hrs and  went to the branch to take out another loan, like normal. Once I got there the store representative advised my loan still showed open, but had a XXXX balance. I was advised I would have to wait until the account status showed closed which could be another 24hrs, and that I should call the online customer service to see what the issue is. I called the online customer service and waited about 30 mins and finally got ahold of the representative, I explained the situation and they told me because the payment was setup ACH and initiated in a branch ( even though the payment was made online ) and in the state of Florida I would have to wait 7 banking days before I could do another loan. I advised the representative at no time during creating my online account, through dealing with customer service, or through setting up my payment was I advised the time frame and ACH would have to process for. The representative said Yea we know we have issues with the website but advised nothing could be done. I feel it is egregious how this company is allowed to take my funds to pay my account immediately, but I have to wait because I wasnt advised on the time frame of the process. I have been doing business with this company for at least a year, so this isnt a new account issue. I also have other consumers who are dealing with the same issue with this company as well. This cant seem right. I am also seeking legal council.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I've contacted Equifax on a number of occasions to dispute the Chapter XXXX on my credit report and I have also explained to them that XXXX and XXXX  do not have a chapter XXXX on my credit report and the representatives and supervisor all say that they are following the law and they can keep an I item on a consumer 's report for 10 years. How does this benefit, Equifax? Why would an agency allow a credit reporting company Equifax to hold consumers hostage? XX/XX/2019 will be 10 years since my Chapter XXXX has been discharged. It is my request that CFPB insure that Equifax removes the item.
Consumer complaint received 2024-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit, Inc (PA)

Due to a total loss to my vehicle, I am due a refund of {$770.00} from a GAP policy through XXXX XXXX XXXX XXXX XXXX XXXX . I spoke with an agent of XXXX who told me I must get my refund from my loan company, Audi Financial. I spoke with an agent at Audi Financial and was told I must get my refund from XXXX. Also, XXXX  is not paying the amount of {$770.00} because of Condition Adjustments. I have a document from XXXX stating there was no prior damage to the vehicle. They are not disclosing what the condition adjustments are. Both of these amounts were financed through Audi Financial.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

Loan Depot has been giving me the run around on an application for a mortgage and the seller is about out of time. I can't go to another lender due to the excessive amounts of credit pulls they have done. This has left my credit damaged with no choices to go elsewhere. I have talked to managers and none care or arr willing to do anything. Im currently homeless because of this and have included a copy of a form the lender sent that lists the excessive amounts of pulls.
Consumer complaint received 2020-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Foreign Transaction Fee on Transactions in US Dollars Bank of America Visa Card charges a foreign transaction fee on transactions consummated in US dollars. BAC alleges they are allowed to charge this fee, but the cardholder agreement is not explicit as to when they can elect to charge and when they don't. The cardholder agreement is explicit that if the transaction is in foreign currency, they will charge, but is silent on charging on US dollar transactions to foreign companies. 

For example, purchasing an airline ticket on a website in US dollars will be charged the transaction fee dependent on how BAC feels ; e.g., tickets on XXXX XXXX in in USD will not be charged, but XXXX tickets ordered and paid for in US dollars are charged. If one orders spare parts from XXXX in US dollars, one is not charged even though XXXX is a foreign company and reports its results in XXXX Yen. 

BAC Customer service could not find either the rationale that made sense or a place in the cardholder agreement that delineates the fee. It appears to be added at random when BAC thinks they can get away with it. 

I was charged {$53.00} in Foreign Transaction Fees on a airline ticket purchase of {$1700.00} ( 3 % ) ; a transaction entirely conducted in US dollars.
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I found a Chase credit card with an unfamiliar name on the ground near my front door last week. I immediately called the number on the back to report it, and was told a hold would be placed on the account, and that I should destroy the card, which I did. The rep took all of my contact information, including my name, address, and work and cell phone numbers. When I questioned the need for this, she assured me the information would not be given to the card holder. Nevertheless, on Saturday morning, XX/XX/XXXX, I received a message on my work number from the card holder, asking me to return the card to her. When I questioned Chase, both by phone and via XXXX, about how this could have happened, both reps insisted Chase could not have disclosed the information. 
When I finally spoke to the card holder this morning ( XX/XX/XXXX ), she said she had been given my full name, work phone, and at least my partial address by Chase 's fraud department, which suggested she call me to retrieve the card ( which the first rep had told me to destroy ). I am appalled by this breach of my privacy. Chase says only that they have shared " your recent experience and your feedback for review '' and that there will be no further follow up. There was no explanation and no apology.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

XXXXXXXX XXXX XXXXXXXX XXXX INSISTS THAT I HAVE APPLIED FOR APARTMENT XXXX WHEN I DID NOT. I HAVE NOT INITIATED NOR AUTHORIZED ANY INTERACTION WITH XXXXXXXX XXXX XXXX XXXX. MY INFORMATION WAS BREACHED BY AN UNKNOWN INDIVIDUAL. ADDITIONALLY, I HAVE BEEN CONTACTED BY HUNTER WARFIELD IN THE ATTEMPT TO COLLECT {$500.00}.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Im trying to get all 3 credit score an only 2 is showing yall not releasing my other score I dont whats the hold up I need my score untless yall going to give me some money in return to fix this problem release my score so I can become an home owner have an good day
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I am waiting for a refund check from the dept of treasury. The only problem is this is the second time they are reissuing this check. I never received it in the mail. I verified the address is correct. I even filed a complaint with the usps. I live in a safe neighborhood. I am not sure why the check is responding to me. Nelnet is my current servicer. I am getting the same run around. Wait XXXX  days and we will request to stop payment and reissue a new check from the treasury. The first check was sent XXXX XXXX. Never received. The second check was sent XXXX XXXX. Haven't received it yet. Please help me investigate what is going on. On XXXX XXXX XXXX XXXX  from nelnet confirmed check was sent XX/XX/XXXX. Check # XXXX ref # XXXX. This is the check info. I never received it. Now I would have to wait another XXXX  months to have then reissue. Please please kindly investigate this. Why I am not receiving this check for XXXX. My name is XXXX XXXX. The case number I have going on with FSA is XXXX. The case I have with usps is XXXX
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On Sunday XX/XX/2019 I wanted to purchase an airplane ticket on XXXX XXXX, on their website, in the amount of XXXX When I submitted payment, using my Citizens Bank debit card, Interjet said that the payment was rejected. A few moments later, I received notification from Citizens Bank Fraud Division that suspicious activity had taken place ( my attempted purchase ) and that I should log on the Citizens website to confirm that it was a valid transaction.

I indicated that it was a valid transaction, and I received a message telling me to wait one minute to re-try my purchase ; I did, and this time it was successful.

A few days later I received notifications from Citizens, telling me that my balance was low, and then I had six ( 6 ) overdraft notifications and a overdraft transfer notification. After looking into my activity, I realized that Citizens Bank had put a hold on BOTH payment attempts, duplicating the funds used.

I contacted Citizens Bank customer service on XX/XX/2019 and they were not helpful at all.

Each overdraft comes with a {$35.00} fee, so this was a {$200.00} additional hit to me, and the transfer from my overdraft account ( $ 100.+ ) will also come with a {$12.00} or {$15.00} fee.

As of XX/XX/2019 Citizens still has a hold on {$780.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

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.

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 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and Experian reports. 

Please add my contact telephone number to my credit report : XXXX
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, Transunion, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAINE & WEINER COMPANY, INC. (TX)

At the time, I paid the current insurance policy to XXXX ( Caine Weiner ) in full to date. There should have never been any credit reporting for unpaid bill on my account. The company reported that I opened the account XX/XX/XXXX, the reporting was for XX/XX/XXXX. 

I have proof that I was in contract with an alternate insurance company the date Caine Weiner claim I opened the account ( Please see attached document ). Reporting on the account is false. I have a receipt for the services of Caine Weiner ( XXXX ) paid in full. The company is attempting to force me to pay for services not rendered. Please see attached documentation. 

Please remove account from my credit reports as it is adversely affecting my scores and it is proven to be false with attached documentation.
Consumer complaint received 2018-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I became unemployed in early XX/XX/XXXX and fell behind on payments, I have never been behind on my payments or needed assistance in the past before this event. While unemployed I was unable to pay my mortgage payments so asked Chase for assistance to be able to be able to keep my home. They put me on a Forbearance plan to make 3 payments of XXXX to get to the end of the year. I worked hard to become employed and told Chase when I got a job ... without my knowledge they took me out of Forbearance and placed me back into foreclosure. I did everything they had asked me to do and got denied twice for loan modification. After the second denial they told me to contact a realtor about short selling my house. I did just that and got great news that I didn't have to have a short sale or foreclosure on my records for my specific property that I could sell it and not affect the homes value. I did everything possible to make the house presentable so that Chase could get their money back asap. I was fortunate enough to get an offer the second day on market to a buyer who was understanding of the properties situation and asked Chase to move back the foreclosure date from XX/XX/XXXX to XX/XX/XXXX to allow this deal to go through. They denied my request and insist on foreclosing out this property. The foreclosure of this property doesn't only hurt our family unnecessarily but the homes value, our neighborhoods value, the future buyer of the home for just 41 days of a difference. This is the reason I am filing this complaint ... we are not trying to be unreasonable we are just trying to do the best for all parties involved.
Consumer complaint received 2018-04-30
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. (MO)

XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Consumer complaint received 2020-02-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX WHILE CHECKING MY CREDIT REPORT, I FOUND ITEMS THAT DO NOT BELONG TO ME. I REQUESTED LEGAL DOCUMENTS TO VERIFY THESE ACCOUNTS BUT HAVE NEVER RECEIVED ANYTHING. THIS MUST BE IDENTIFY THEFT. I AM A VICTIM OF FRAUD. 

Please delete the following items : XXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX , XXXX   XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (DC)

I have a XXXX. When choosing a credit card company, my wife and I are always careful to choose a company that has strong system to monitor unusual or suspect activity, which Chase clearly advertises. Also, our credit limit was to be {$24000.00}, but Chase enabled charges of up to {$55000.00} within the same cycle with daily transactions of up to {$10000.00} ( which would be both unusual and suspect ) without consistently alerting either my wife or me. We incurred more than {$60000.00} in credit card debt and were able to bring that amount to {$41000.00} with no means to make the minimum payments. We immediately reached out to Chase to explain our situation and believe that Chase should also be liable for the fact that they did not fulfil their duty of protecting their clients.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

SANTANDER CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, SANTANDER IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Consumer complaint received 2019-07-02
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.