davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MA)

On XX/XX/2021 my US Direct Express card had {$20.00} with of purchases on my card from XXXX XXXX ( {$5.00} purchases back to back ). I did not make these purchases. Whoever put these charges on my account on XX/XX/2021 then resumed charging {$5.00} back to back to XXXX XXXX on XX/XX/2021. These charges occurred back to back a total of XXXX times and totaled XXXX and happened between the times of XXXX - XXXX. 

When I reached out to US Direct Express, I was told that I had to feel out a Questionnaire of Fraud form and submit it to their Fraud Services Department. On XX/XX/2021 I submitted copies of my card 's transaction history showing the problematic charges, as well as a police report and a report to XXXX XXXX. Because I was told to fax this information, I went to a local XXXX XXXX store and paid {$34.00} to fax 18 pages of information. 

Upon calling US Direct Express two days after I faxed the materials, I was told that they had not received my faxed information despite me having evidence that they did. I was then told to email the information I previously faxed to XXXX. Despite being on hold for over two hours prior to getting this updated requirement to email the requested materials, I complied with their request. 

On XX/XX/2021, I found that I had {$500.00} on my US Direct Card. I received no notification that this was added to my card. However, the bigger issue was that the total amount owed was not fully paid. 

Because US Direct Express previously put {$110.00} on my card in response to my hardship complaint, I anticipated that the {$110.00} would be subtracted from the {$910.00} owed to me. This, compounded by being over charged to replace my card ( they charged me {$13.00} twice to replace this card ), I expected to receive {$810.00}. Since I only received {$500.00} on my card, I am still owed {$310.00}. 

I submitted all the evidence required proving what was stolen and tolerated being on hold for over four hours after finding out that there was {$500.00} on my US Direct Express card. For this reason, I am formally filing a complaint requesting the money owed to me, as well as for the poor way this situation was handled.
Consumer complaint received 2023-08-19
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: Stellantis Financial Services US Corp. (CA)

I received letters regarding denial of credit applications which I don't recognize, on XX/XX/XXXX ( Stellantis ) and XX/XX/2023 ( XXXX XXXX ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( Stellantis and XXXX ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.
Consumer complaint received 2019-09-13
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. (NJ)

Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.
Consumer complaint received 2020-12-16
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. (GA)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I have been a long-time cardholder with American Express, and received numerous mailings and emails with offers to become a platinum member, along with an associated XXXX bonus points if I spent a certain amount within 3 months, I believe. Last XXXX ( I forget the specific date ), I decided to take them up on their offer. Upgrading also meant that I paid a significantly higher annual fee. 

I logged into my American Express account, and upgraded my card through the website rather than mailing in the application or clicking on the link in the email ( as I tend not to click on email links from financial institutions on the off chance it's an illegitimate link ). I assumed that American Express was sophisticated enough to link my account with the offers I had received, but I noticed a few months ago that the rewards points had not been applied even though I had spent the required amount in the 3 months after activation. 

I called American Express and complained that I had not received my bonus points. They told me that there was no offer attached to my upgrade, despite the mailings and emails I received indicating that I was eligible for the XXXX bonus points if I upgraded. They opened a case to look into it, and I heard on XX/XX/XXXX18 that they were declining to give me the bonus points. Therefore, I paid a significantly higher annual fee, and did not receive the accompanying bonus points that were promised to me via the mailings and emails.
Consumer complaint received 2023-03-26
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. (LA)

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.

Im trying to dispute this account because Ive already contacted the company on multiple occasions the account was deleted last week and re-added this week, this makes no sense. I sent a letter to the company ON MULTIPLE OCCASIONS also I havent heard back from them they cant legally do this, I need to have this removed ASAP because of the law, THIS ACCOUNT HAS NOT BEEN VERIFIED AS ACCURATE AFTER TWO DISPUTES BEEN MADE. I WANT THIS COMPANY BLOCKED FROM ADDING INFORMATION TO MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 that a consumer reporting agency can not furnish an 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 or 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 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my report.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I was living in an apartment in XXXX XXXX, MI named XXXX apartment with the management of XXXX XXXX for around 5 years. Before I moved out I asked them to give me and inspection and estimate cost of damage that might happened to the apartment, they REFUSED! 
After few month I noticed that I have a debt in a collection agency that is damaging my credit score. Finally I figured out that the apartment complex made some fraudulent bill for the damages that I did not made to the apartment and SEND IT TO A COLLECTION AGENCY WITHOUT CONTACTING ME!!!

The collection agency did the same and did not call, mail or email me to negotiate the debt and after reporting to my credit company and hurting my score send me an email about the bill!

I think that is their strategy to ruin people credit to threaten them for more damage they will make on the credit score to get the money as soon as possible. 

I need both my XXXX apartment ( Run by XXXX XXXX, XXXX, MI ) and collection agency ( NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX, XXXX, GA ) proof that they have contacted me for the debt! 
They also need some proof for the made up bill! 
for example around XXXX bucks just for removing trash! I vacuumed cleaned the apartment! 
also for carpet and other damage they need to show proof and also a good excuse why they did not contact me to negotiate and confirm the bill. 

Another fraudulent fact that you can see is that they send me the bill on XX/XX/2022 after I asked them and after they sold the debt to the collection agency and you can see in the bill that they billed me XXXX USD but they sold the debt tothe collection agency for XXXX USD! 
Just look at the bill and the date on it! after sold it to the collection agency! 
Will also upload some pictures of the apartment is necessary. 

Really appreciate your help.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION (TX)

I made a check from my account in XXXX XXXX and deposited in my truist account and the blocked the account but the money was already withdraw from the original account while the receiving account is still block even the previous balance before the deposit. The bank does not have a estimated time for the diligence
Consumer complaint received 2018-12-28
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: Experian Information Solutions Inc. (NY)

A new hard inquiry was made on my Experian account for a XXXX card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

The account listed below should not show a late payment. I called multiple times to make my payment and was told I could not make my payment while my account was under review for an extension. After I was approved and made my payment, they reported it late and refuse to remove it when it was their system that would not allow me to make the payment early. XXXX XXXX  has already been involved in a CFPB complaint in XXXX  and was required to pay a penalty of {$200000.00} and {$34000.00} in restitution to all the consumers affected. This is clearly a pattern for BSI to take advantage of consumers.
Consumer complaint received 2023-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My issue is with Fifth Third Bank. Account ending in XXXX. It is a car loan. My aggravation lies on the fact that they just make the auto pay feature more difficult than it should be. It's silly. I tell them to set up an auto pay for my loan in which they already have my account info and make payment from, but they will not set it up. It is not their policy, and they tell me to call a number that you can only reach at certain times to set it. Now I have never heard of a loan company do this as far as making a car payment. However, they can authorize a payment in advance on specific dates and multiple dates, but not reoccurring. It's ridiculous. it just a cheap way for them upcharge your loan account additional fees and other penalties at the costumer 's expense. Again, they have my info and I have had to get on the phone with them on a few occasions making the same complaint. I call to try and set this auto pay side of the bank is already closed but yet the customer service center is open till XXXX eastern time.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

I received letters regarding denial of credit applications which I don't recognize, on XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX  ( Crysler capital ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application. 
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( XXXX and Crysler ) are part of 8 companies. 
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I HAVE TWO CAPITAL ONE ACCOUNT NO.XXXX, BECAUSE THE NATION EMERGENCY ( COVID-19 I HEREBY REQUESTS BOTH ACCOUNTS BE 1099-C DEBT CANCELLATION WITH I.R.S.TODAY AND CEASE ALL CREDIT REPORTING PLUS REMOVE ALL HARD CREDIT PULLS OR WILL FILE SUIT.
Consumer complaint received 2023-06-13
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. (MN)

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY Remove all late payments and negative items on my account, and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Consumer complaint received 2019-09-13
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. (MO)

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

A few weeks ago, we handled the resale of a diamond ring that was initially purchased 32 years ago from us. The customer 's assistant emailed us wiring instructions to an account at XXXXXXXX XXXX The following business day, before we had sent the wire, we received updated email instructions asking us to instead wire to an account at Chase. We proceeded to initiate a wire for {$85000.00} specifying the account name ( which matched our legitimate customer 's name ), and unknowingly the XXXX and account #, that were attached to a fraudulent account that presumably did not match our client 's name. 

A few days later, the customer called inquiring about the status of the wire. After investigating the stream of emails, it was determined that our client 's assistant 's email was penetrated and a bad actor sent the email with the updated wiring instructions. Our email was not penetrated, however our email was spoofed to send the customer 's assistant an email purporting to be from us saying there was a delay in the wire transfer. 

When we notified our contact at Chase, we were told that the account we had wired the funds to had been depleted. Despite our efforts to escalate this matter with Chase, they have said that they do not have any responsibility to verify that the account name matches the XXXX and account number, even though in this case, the fraudulent account was also opened at Chase.
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

I received 2 identical emails XX/XX/19 an email address on my PayPal account had been added. When I tried my account to change/report this, I no longer had access. I called PayPal and reported the issue, which they reportedly fixed and said they would start an investigation and I would get information about resetting my account. I closed my associated bank account and changed my credit card number. I contacted them today XX/XX/19, as I still hadnt heard back about resetting my account. The changes from a month ago never took place and someone changed the email, phone number, address and credit card associated with the account, effectively locking me out from the account. This is in the process of being rectified by PayPal but I am concerned about the possibility of ongoing identity fraud and that unauthorized transactions ( on XX/XX/19 ) occurred that Im concerned may involve another fraud victim. These transactions were in the amounts of {$90.00} and {$10.00} which Im guessing were chosen to test alert limits. Once I have limitations lifted and have full access to my account again, I will be refunding these amounts.
Consumer complaint received 2020-08-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (VA)

In XXXX my vehicle was reposssed by Santander consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from Santander and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from XXXX stated they were collecting from Santander. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that Santander was using them to collect funds and reached out to CFPB in regards to this. I received a notice from Santander in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} XXXX as Santander stated no company should be collecting funds for them and since have been contacted from XXXX in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have requested to have a Fraud Alert removed from my credit report. I have updated my Equifax file with my contact information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SS : XXXX. I WOULD LIKE MY FRAUD ALERT REMOVE!! ASAP MY EQUIFAX Report Confirmation : XXXX I have included a copy of my ID and SS.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient services my loan and has since 2007. They put me in a forebearance program for over two years, all while charging an exhorbitant interest rate. As I look at the recent settlement with Navient to forgive loans, it is very clear that my loan should be qualified for forgiveness. Navient will not give me an answer as to why my loan is excluded.