davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.
Consumer complaint received 2022-12-17
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)

My name XXXX XXXX this complaint is not made in error neither 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 accounts. 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.
Consumer complaint received 2022-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (NY)

I called the company and was told someone is buying perfumes and sending them to XXXX. I live in XXXX NY and asked them if they could have the person arrest or track them down, but they said that's very hard to do. 

They then told me they would look into the situation and would send me some sort of packet to state it was fraud? It's been 3 weeks and I haven't received anything ... And every time I Dispute it on XXXX XXXX it will pop back up on my credit. 

The strange thing is I gain XXXX credit points when it gets brought back on, but I seem to lose XXXX when I dispute it. Maybe I'm just reading it wrong. 

The balance is {$160.00}, but the weirdest thing about all this is that the person paid off some of the balance the first 3 months. It was opened in XX/XX/2021. 

CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA I then called XXXX and honestly Im getting tired of running around in circles, they told me I need proof that it was identy theft, and Im not sure how I am suppose to prove that... So they sent me to FTC... 

This was not my account, I want it closed, even if it hurts my credit. I would also like a security check if anymore accounts are opened, if possible.
Consumer complaint received 2022-05-05
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. (NV)

On XX/XX/XXXX of 2017, I rented a car from a car rental agency at XXXX, XXXX airport. I used my Chase Bank debit card for the transaction. During the rental, the car had a mechanical problem. I was driving the car in the mountains and the car stalled going up a hill. A tow truck was called and it needed to be towed. The repair shop told the car rental company there was NO problem, and I should just come and pick it up. I refused to come and get it for fear of the problem happening again since they didn't do anything with the car. So, the car rental company charged me because they had to pick up the car in XXXX, XXXX and drive it back to XXXX. As a side note, during these days they did not provide me with another car. 
On XX/XX/XXXX of 2017 is when the transaction happened. The amount was {$770.00}. Chase Bank refused to charge back the transaction to the car rental company saying they were provided with documentation validating the transaction. The transaction had NO signature, NO card imprint and the date of the transaction took place when I was NO longer in XXXX. The transaction is fraud with NO documentation from the car rental company.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

At the end of XXXX and XX/XX/2022 I had made cash deposits in both months, cash that was from a check that was made out to me as a referral fee for selling a new construction home. I had taken the checks made out to me directly to the paying bank and had them cash me out and deposited the cash into my Chase checking account. Neither of the checks were over {$2000.00}. On XX/XX/XXXX I was paid 2 more referral fees for selling a new construction home, both of those checks I also took to the paying bank and had them cashed which I then deposited into my Chase checking account. The next Monday on XX/XX/2022, I received a check from my occupation. It was another referral fee paid to me for selling a new construction home. Instead of cashing the check from the paying bank like I had done in the past I decided to to do a mobile deposit of the check directly into my Chase checking account. I may have deposited the check too early as funds had not become available to be redeemed. On XX/XX/2022 I was told there was a hold on the check deposited due to funds not available from paying bank. No information was requested from me. The following day XX/XX/2022 I was informed Chase would be closing my account due suspicious activity or because I couldnt provide information that they had requested. However I was never given the opportunity to authenticate the funds that were being deposited into my account and Chase never requested any information from me to attempt to keep my account open. Instead they informed an irreversible decision had been made to close my current checking account and never be able to open another account with Chase. When I asked why or if anything could be done I wasnt given any substantial information instead I was told there was nothing that could be done and my account would be closing. Since I wasnt given the opportunity to authenticate the funds or given a reason why my account was being closed I can only come to the conclusion that, because I am a young XXXX American living in a border town that is making large cash deposits into my account led the bank to jump to the conclusion that the funds I was placing in the account were not legitimate and not obtained from a reputable source. I feel I am being discriminated against for the previously mentioned circumstances as I was NEVER given the opportunity to authenticate my position and the funds that were being paid to me.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (MD)

So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected rights.
Consumer complaint received 2019-07-09
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am disputing these charges that was charged on XX/XX/19 in the amount of {$310.00}. The rental car was never received, it was blocked by the rental car agency agent at the counter. I have contacted the travel agency/XXXX, they have refused to refund money. I never took possession of the rental car. 
- On XX/XX/19 arrived at the rental car counter the representative at the counter refused to release the vehicle to us. This representative explained that the rental was for local rentals only, didnt provide unlimited mileage. We would have been charged additional mileage over 100 miles. We were told that the rental was for unlimited mileage upon rental. We advised per XXXX it was for unlimited miles. 
- Representative still refused to release the vehicle to us. 
- The only reason the reservation was cancelled is due to agent refusal to release vehicle to us. Which would void out any cancellation policy due the refusal of release of the vehicle. 
- I was not advised of any cancellation policy at the counter with the agent in regards to the information she supplied in reference to the cancellation. 
- We had to make other arrangements with another rental car agency, at a higher rate, we can provide proof of the reservation with the rental agency we actually obtained a vehicle from. 
- I contacted Capital One on the day in question and explained the situation and advised not to go forward with payment due to agency refusal of release of vehicle. 
- I received no services, no rental vehicle was in my possession or has ever been with the agency in question. 
- The reservation/cancellation was in hours of each other, the reservation/cancellation was all processed while at the location by the agent on duty. 
- We had no other options of resolution, we had no options other than to book with another agency. They refused to release the car as well as refusal of unlimited miles. 
- Per XXXX unlimited, per agent we would be charged additional fee for miles over XXXX. 
- XXXX is a travel agency, maybe they need to contact their vendor due to the discrepancy in their policies due to the unlimited miles verses over XXXX  miles.
Consumer complaint received 2024-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been a victim of identity theft .Transunion and XXXX are still reporting these fraudulent/ inaccurate accounts on my credit report while XXXX has already removed them, how is that possible this needs to be removed immediately based on 15 USC 1681a ( 1 ) of the FCRA. 

First fraudulent account that is still reporting on transunion and XXXX ( XXXX XXXX ) Second fraudulent account that XXXX is the only bureau that is reporting, how is that possible? XXXX has even removed then re-added this account, isn't that illegal based upon the FCRA? ( XXXX XXXX XXXX )
Consumer complaint received 2022-05-05
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: Spring Oaks Capital, LLC (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as lati purpose.
Consumer complaint received 2022-05-05
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: ALLY FINANCIAL INC. (OH)

My payment due date on this vehicle purchased through Ally Auto finance was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 around XXXX PM PST, I came across a XXXX post selling tickets for a music festival. All contact info was included, so I reached out to the sender with the offer to buy immediately as long as proof of purchase would be included. 

I told the sender to send me proof of confirmation of the tickets that would have been sent to their email. They sent me a screenshot of the email receipt. I asked for further confirmation and they sent me another screenshot, which included the transaction and festival name. Basically, it looked like it came straight from the site. 

I asked for a photo of their ID and other contact info and they gave me their email and a picture of a California driver 's license that matched the email and buyer 's name in the screenshot. I asked for one other example of proof and they offered their social media handles which also matched. 

I asked how they would prefer to be paid ( considering the festival was already happening ) and they asked to use XXXX through Wells Fargo. I've been a Wells Fargo customer my entire life and have had nothing but a good experience with them. That being said, I trusted the introduction of XXXX to their mobile app. I found the seller via email and confirmed ( yes, twice ) that I wanted this money to be sent. The seller reassured me they'd screenshot the confirmation of getting the transaction as proof it went through for me before sending me the tickets to my email. 

I sent the money ( {$250.00} USD ) and the seller immediately stopped responding. I sent plenty of texts, calls, voicemails and even requested the money back, but obviously, the user had been deleted. 

After I waited on hold for 45 minutes with Wells Fargo to report the issue, I was promptly told that it was out of their hands. XXXX isn't " technically '' Wells Fargo, so they can't do any refunding or really any resolution whatsoever. Unfortunately, the only reasons I used XXXX is because I thought it was 1. A part of Wells Fargo in the first place and 2. Figured it would be just as trustworthy. 

I was told in under a minute and a half that there was nothing that could be done besides maybe call a customer service line and that was it.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name XXXX XXXX this complaint is not made in error neither 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 accounts. 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.
Consumer complaint received 2022-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

In XXXX of XXXX I inquired as to why XXXX had not taken my XX/XX/XXXX auto withdraw as scheduled. My account was blank and I had received no email or physical mail indicating my loans had been switched to a different servicer. I figured out my loads were sent to Aidvantage. I called Aidvantage and complained about how no one notified me and that I had a payment post-due. Am I now in default for something I did not cause? Is the XX/XX/XXXX payment still required to put my account into the green? Rep told me " no, because the switch happened while the payment was due, you will not owe that payment ''. I was highly doubtful. So I set up my Aidvantage account. And I was overdue for that payment. And Aidvantage had access to my banking information that I never authorized. I immediately called back. The rep I got the second time informed me that a ) the former rep was mistaken and I need to pay the overdue amount immediately. And B ) that I shouldn't worry that Aidvantage had my banking information without my consent because they got it from XXXX. I paid my overdue balance that day, XXXX. In XXXX when I began loan repayment, my accrued interest was added to my principal. Meaning through the covid measure in place. I no longer had accrued interest and my current interest rate is 0. However, my XXXX payment, XX/XX/XXXX payment, and XX/XX/XXXX payments all have {$340.00} of {$500.00} applied to interest. The remaining {$160.00} is all that is being applied to my principal. I have tried calling and emailing Aidvantage and can not get resolution, a supervisor will not return my calls. They are telling me I have accrued interest, but I have documentation from XXXX stating I did not as of XXXX because it was applied to my principal. Also, the Aidvantage website does not have any accrued interest documented on my account, and I have 0 % interest. Aidvantage is committing fraud against student loan borrowers. Furthermore, it had been 3 full months and the student loan has not been reported to credit agencies. At any minute my score will tank which will negatively impact my ability to find a new place to live. It's terrifying.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00}
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LOGICOLL, LLC (CA)

I have already made a previous complaint, company responded with false information and I have been met with harassment since then. Ive spent 8 hours on hold and the phone went unanswered for the duration of the day, it is not possible to get through to pay my debt.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (GA)

I have a loan through DiTech, who is servicing my current mortgage. I am in the process of refinancing to another lender. That lender requested a payoff from DiTech 9 business days ago. I called DiTech and they acknowledged they received the request 9 days ago, but appear to not have an answer why they wont provide either the lender or myself a payoff amount. I have submitted a request online and via phone with DiTech as well. I can not access that information on their website ; the message on the payoff tab says " unable to process ''.
The co-lender on the loan, my ex-wife, filed bankruptcy years ago which affected the estate. That bankruptcy has since been discharged in the courts by the Trustee and the Judge. DiTech has been notified.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OH)

On or about XXXX of 2022, I discovered a CitiBank credit card on my XXXX checking account. Once I discovered the credit card that same day, I informed both bank entities that this credit card account did not belong to me. Neither bank has not addressed this credit card account as to this present day. However, I had CitiBank fraud department on the phone upon my first inquiry and made a payment of {$1.00} to this credit card account and CitiBank acknowledged the payment. I am requesting for both banks to properly address this issue in regards to how this credit card account was added by XXXX and for CitiBank to address my concerns when or where this account come from.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC (FL)

I've received several notices from Calvary SPV for accounts that have been in default due my failing health. 

CALVARY bought debts from a 3 cards and entered judgments against me XXXX XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} XXXXXXXX XXXX- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly