davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, Experian, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from Equifax, XXXX, and XXXX  each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Bank of America has a credit card bill/balance pay feature that overcharges my personal checking account leaving me with an enormous account credit. I then must call Bank of America, request the account credit that they erroneously charged me ( Most recently, {$1000.00} ). They then mail me a check for the amount in 7-10 business days. Between my account and my wife 's account, this has happened at least three times. 

This practice puts me at risk for overdraft in my personal bank account from which I draft these payments. Additionally, it seems absurd that Bank of America can not match the payment billed to the amount ACTUALLY OWED ON THE ACCOUNT. 

Furthermore, when I call Bank of America, the automated system offers the option to request my account credit as the VERY FIRST OPTION. This shows that Bank of America knows about this problem and has yet to do anything to fix it.
Consumer complaint received 2019-07-07
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: Ability Recovery Services, LLC (OH)

Ability recovery has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates
Consumer complaint received 2024-04-04
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: BMW Financial Services NA, LLC (NY)

I am writing to express my extreme dissatisfaction with the handling of my lease agreement with BMW, which commenced on XX/XX/year>. Since the initiation of this agreement, I have encountered numerous challenges, primarily stemming from a lack of communication and administrative oversight on BMW 's part. 

Upon receiving the vehicle and associated documents to sign, I was surprised to find that no contract or any official account document was provided, aside from the plates arriving out of the ordinary timeframe which resulted in significant inconveniences such as late fees and violations due to the expiration of temporary plates during this period, even the extension sticker for the inspection was well out of the grace period. 

Despite my persistent attempts to rectify this issue by contacting BMW on multiple occasions, I have been met with inconsistent responses and instructions that have failed to address the root cause of the problem. Ive adhered to every instruction provided by BMW, the late fees were eventually waived, but the adverse impact of the late payment on my credit report remains unresolved. 

It is imperative to emphasize that this situation is not a reflection of my creditworthiness, but rather a consequence of BMW 's complete lack of communication and support throughout this process. I have diligently fulfilled my financial obligations by paying my balance in full and have implored BMW to acknowledge the extenuating circumstances surrounding this matter. 

Therefore, I am formally requesting a thorough investigation into the attempts I have made to uphold my commitment to this lease agreement, despite being left in the dark due to BMW 's negligence. I trust that a comprehensive review of the account history and notations will substantiate my claims and highlight the persistent efforts I have made to mitigate the consequences of BMW 's shortcomings. 

I urge you to address this matter with the utmost urgency and diligence to ensure a fair resolution that accurately reflects my creditworthiness and commitment as a customer. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I took out private student loans with Navient to attend XXXX XXXXXXXX XXXX XXXX XXXX XXXX between XXXX, which later changed its name to XXXX XXXX XXXX , before closing its doors completely in XXXX. 

XXXX engaged in inflated tuition and deceptive marketing practices during my time there. I have been unable to attain a high paying job, and since graduating, my loans have doubled in value due to only being able to make interest only payments. 

In XXXX I applied to release my co signer, which is my sister. Despite having met all the criteria for release, I was denied because XXXX payment came from her account. 

Since XXXX XXXX closed its doors, I attempted to apply for the closed school discharge, but that did not apply to my private loans. In XX/XX/XXXX I applied for XXXX XXXX to repayment and was notified I would be granted relief as a full class member of XXXX XXXX XXXXXXXX on XX/XX/XXXX. 

I have contacted Navient several times to understand why I am being held liable to repay loans for a school that was found to have defrauded borrowers. 

On XX/XX/XXXX I contacted Navient about the school misconduct program that is being piloted, but I was not been given much detail. 

I think this is a violation of my consumer rights and I believe my Navient private loans should be in an administrative forbearance while I wait for the school misconduct application to be made available to the broader population.
Consumer complaint received 2023-03-21
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)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$14000.00}
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.
Consumer complaint received 2017-05-30
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. (PA)

On XX/XX/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.
Consumer complaint received 2018-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WESTERN UNION COMPANY, THE (CA)

WESTERN UNION FINANCIAL SERVICES , INC. XX/XX/2017 somebody used my name and at western union money transfer signed me as Co signer for there personal guaranty with my consent amount I came to found out is this person used me as an Co signer Western Union Financial Services , Inc. in connection with a debt our client claims to be owed to them by XXXX XXXX in the amount of {$18000.00}.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit acceptance gave me a loan for a vehicle that did not last 3 months. The warranty they provided was useless. They repossessed the vehicle sold it for {$7500.00} the vehicle had no engine in it because it was being repaired the vehicle was valued at {$9000.00} some how i owe them {$7700.00} for a suv that was worth less. I puts down {$4600.00} as a down payment. They have not provided any details about the original contract and they closed the account on my credit using tactics to bully me to pay for a vehicle that otherwise should have never been sold. They have multiple lawsuits in New York and other states. Any investigation into this fraudulent company will determine they should not be allowed in Virginia. Credit acceptance should be prosecuted for violations against the people. They have not complied with my request for the original contract they refused to negotiate and are rude. They have violated Fcra deliberately and no one can do anything about it
Consumer complaint received 2023-03-21
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$14000.00}
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I XXXX the number and saw that it was linked to the banks website. The person impersonating an employee from the bank said that there was suspicious activity on my account. He said my account was frozen until I got my new card in the mail. On XX/XX/XXXX I went into the bank to confirm and found out that this person was making multiple transactions on my account. He used both my checkings and credit card. He was also able to steal {$9500.00} through XXXX. He knew my phone number, my address, and my military background.
Consumer complaint received 2023-02-14
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. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your written instructions.
Consumer complaint received 2024-04-02
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: General Motors Financial Company, Inc. (CA)

I noticed unauthorized inquiries on my credit report and noticed someone applied for something in my name resulting in multiple fraudulent credit inquiries. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2023-03-21
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. (GA)

It has been over 30 days and the credit has not updated the information nor has provided proof or documents in regard to late payments on my account. Under federal law, they had 30 days to delete the incorrect information and they have not. 
In addition, I was not given any opt-in or opt-out information on reporting by 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX student loans 5. Any credit reporting agency i.e. XXXX, XXXX XXXX, Experian violation of federal law as outlined and enforced, also this is a violation of Trust Res property and certified documents held by a private American wo is not a United states citizen. 
All latest are to be removed immediately from my entire report, XXXX XXXX Deleted, all credit balances as well. No intimate information must be shared as they do not have my permission.
Consumer complaint received 2023-03-21
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: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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: Uplift, Inc (LA)

I informed the company UPLIFT that i never have an account with them and i want this account to be deleted from my report way before they and they said it was not going to my consumer report and upon checking my report this i see the company send three accounts in my consumer report. 
XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX AND XXXX ) XXXX.
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I just received my credit report and noticed unauthorized items that shouldn't be reporting to the credit profile. This has been a rough time during the phases of my life, as well as the Covid 19 and the impact that it had on both me and my loved ones.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

Opened new credit card account with XXXX XXXX serviced by Citi Bank and purchased {$71.00} Received bill XX/XX/XXXX and made payment of {$35.00} on XX/XX/XXXX 1 day after due date and to an old Home Depot Account ending in XXXX that was in my bill pay system. 

XX/XX/XXXX received next bill and noticed first payment not applied. Amount due was {$100.00} Called to have overpayment of old account transferred to new account ending in XXXX. Made payment for balance of XXXX on XX/XX/XXXX. Called and spoke with XXXX and Was told late fee would be refunded. 

XX/XX/XXXX received bill for old account ending in XXXX with {$35.00} credit balance removed. 

XX/XX/XXXX received bill on account XXXX for {$100.00}. Did not reflect credit of {$35.00} from old account. {$42.00} in fees was added. 
Called XX/XX/XXXX spoke to XXXX who email with credits issued in the amount of {$2.00}, {$29.00} and {$40.00}. 

XX/XX/XXXX called and spoke to XXXX and XXXX XXXX. She issued emails indicating credit issues for {$2.00} and {$29.00}. 

XX/XX/XXXX bill only showed credit of {$35.00} and {$40.00} plus a late charge of {$31.00}. 
Called XX/XX/XXXX spoke to XXXX people and then XXXX who was to transfer me to a XXXX however was disconnected 3 times during XXXX minutes on the line. 
I have been receiving XXXX collection calls per day except for XXXX and XXXX XXXX hollidays. Received XXXX yesterday and XXXX today before I called stating they were collecting a debt in the amount of {$78.00} of which {$29.00} was past due. Don't know how to stop these late fees.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (MA)

I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.