davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2018, my family and I relocated to XXXX for a new job. The policy of moving money out of XXXX is very stringent, and all money being transferred to another country has to be accounted for, and taxes paid. This process took roughly 3 months for all the paperwork to be filed and for me to be able to move my income back to the US. During XX/XX/XXXX - XX/XX/2018, I had some payments come due with American Express. When I requested either the payment be delayed or for American Express to offer some way for me to make payment directly from XXXX, they did not offer any solutions, and proceeded with reporting late payments during this time. This in turn decimated my credit score. I had an excellent history of payments and was sitting above a XXXX. After the American Express reporting, my score is now below XXXX. Since my situation in XXXX is now stable and money can consistently be transferred, I have not had any additional late payments. 
The unfortunate thing is American Express widely markets its product as a International/Travel Friendly card, but does not provide any ways of making payment from XXXX. If that option was available, I would not have had to wait until my paperwork was cleared to transfer money back to the US. I have not had this issue with my other cards from XXXX XXXX, XXXX, and XXXX. 
I have contact customer service on multiple occasions and no help or resolutions have been provided for this unique situation. This was not a situation of not having funds to make payments on time, but rather not having the options to make payment directly from a foreign bank account.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC (SC)

I had an auto loan with this XXXX XXXX XXXX in XXXX, and I returned the vehicle in XXXX they filed an XXXX with the IRS and it shows in my XXXX tax w2 transcripts. Since they have filed that XXXX I am no longer responsible for this debt. It shows that I owe {$17000.00}, but when I called them they stated I owed {$10000.00} and that they have already resold the car. So that means they have resold the car, filed it as a loss with the IRS, but are still pursuing me for debt. They've dinged my credit report every month since XXXX causing my credit to be damaged. When I called them to tell them what the IRS told me the first representative hung up, and I had to call back. The second representative told me that all he could do was file a complaint with the complaint department and it could take them a week to respond to me. I'm closing on a home in a few days and this is so unprofessional, illegal, and unfair. That is tax evasion! They have harassed me for year about this debt and have been reporting incorrectly!
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (WA)

I'm behind with my mortgage payment due to employment issues. I finally was able to secure some funds from relatives to catch up with my mortgage payments. When I called them asking for help, they said, they'll send me the reinstatement quote and how much I owed them. The first reinstatement quote was for XXXX on the past due payments with {$2900.00} for the late fees and cost which I thought was excessive. Regardless, I miss the date by 10 days because it takes time to try to collect the fund needed from families. When I was ready, I contacted them again requesting help and they said they'll need to regenerate the reinstatement quote since I missed the first one. This time, the added additional {$12000.00} for the fees and costs with list of charges with fees they already charged me on the first reinstatement quote. Now my past due is double. I got the feeling that they have no interest in trying to resolve my issue other than making money for themselves which I think it's absolutely excessive and illegal. Please help before they foreclosed my house.
Consumer complaint received 2018-10-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (MI)

company called me, my mother, and my husband. Threatened that if I did not call in a timely manner I would face charges and that I was being sued for fraud. the contact number given was XXXX with contact XXXX XXXX. after numerous harassing calls to my family ( in which they gave information about me to whoever answered the phone ) I called to see what I could do to make it stop. I was told I owed a debt to XXXX XXXX XXXX for a payday loan back in XX/XX/2008which is inaccurate ( icalled them to check into this and they confirmed I had no debt with them ) I asked the company to take all the numbers out of their system and stop harassing my family about a fraudulent debt. She ( XXXX ) refused to do so and said " I guess you should of thought about that when you put them down as references for your loan '' I told her XXXX XXXX XXXX shows no such debt and she said well it was sold to someone else ... after much coercing she gave the company name of XXXX XXXX  but was unable to give me a contact number. I have never received documentation regarding a debt and I want the calls to stop
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have been trying to buy a house but Equifax outdated information which show me at more that XXXX points at times is hurtful and damaging. Equifax reports my scores much lower than what other actually is!
Consumer complaint received 2019-03-26
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. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX  Claim XXXX Chase Sapphire Reserved claimed thaXXXX their travel insurance for baggage delay will be covered but it was a scam. After I submitted all information online and by mail my bags were delayed for more than 7 days. This is the reason they tried to deny my claim : " No physical tickets were purchased with your covered card. '' I bought the airplane tickets using the chase sapphire card. 
This reason is invalid because the ticket was bought on XX/XX/XXXX ( see explanation below ). 
Please see the attached file XXXX XXXX for the original boarding pass. 
Also, please see the attached bank statement from Chase : XXXX : You can see my card number ( sapphire reserve ended XXXX ) on page 1 Page 2 : Purchase date is XX/XX/XXXX for ticket XXXX XX/XX/XXXX XXXX to XXXX. 
This evidence was submitted in XXXX. I submitted 1 inch of paper full of evidence, however they closed the case and deny to pay for what they claim " travel insurance. ''
Consumer complaint received 2022-06-13
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. (IL)

In accordance to the Fair Credit Reporting Act XXXX  account XXXX XXXX Account number XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

16 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-08-17
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: U.S. BANCORP (PA)

I received a letter stating I had an account ending in XXXX with U.S. Bank ReliaCard. I do not have and did not open this account. The letter stated the transaction limits were changed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-06-15
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: Chime Financial Inc (GA)

Noticed numerous XXXX  transactions from my chime credit builder account dating back to XXXX ( XX/XX/22 ) The total of said transactions is {$1400.00} After calling Chime to dispute the unrecognized transactions/cancelling my card and ordering a new one, I was told Chime would need up to 90 days to investigate, I come to find that my dispute claim has been denied in under 3 hours.

I call chime and speak with a representative, who is unable to assist me and tells me that I should have received an email detailing the results of Chime 's " investigation '', but I had received no such email in either my inbox or spam folder ( I had received other correspondence from them just earlier the same day though about an upcoming banking holiday ). He told me that they can send the results of their investigation in a pdf but it will take up to 10 business days. 

I request for the explanation of denial and I also email them at XXXX requesting the same in the hopes to get this expedited. 

They have since sent the reason for denial and it is essentially a short paragraph that states " No changes to the account or personal identifying information took place during the disputed time frame, therefore their are not hallmarks of account takeover. Cardholder was in control of the account during the dispute. '' the last bullet on the pdf states " There are no fraud alert captured by our system before, during, and after the disputed transactions '' Their is no other explanation for denial present in the pdf they sent me. No provisional credit was given, the merchant was not contacted. The credit card is a XXXX and under XXXX 's zero liability I should not be held responsible for these unauthorized charges.
Consumer complaint received 2018-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC (FL)

purchased a vehicle through carvana.com website and sales contract stated a specific amount of interest and interest rate and there was no paperwork from the actual lender included and the interest rate appears to be significantly higher then what was on the signed contract. Originally the loan was with XXXX   which is who payments were being made to and then was sold to a company called XXXX
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/18 - was unable to start social security online account. Called Social Sec and they said they used Equifax and my address on my Social Security online account. 

I called Equifax and my street address is correct but there is an apartment number that even when I lived in an apartment years ago has NEVER been an apartment number for me. I asked them to correct it - they ave all of this info about me and NONE of my accounts have this apartment number, but they told me that it was MY responsibility to send in a great deal of documentation to prove they were wrong. AIN'T GON NA HAPPEN! If they make a mistake and I pass security surely to XXXX they can send my account to 'research ' or 'verification ' to check for errors.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.
Consumer complaint received 2021-06-10
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

Please read the attached letter I wrote to the AZ Attorney General regarding the fraudulent loan between XXXX XXXX and Credit Acceptance Corp on XX/XX/2018. 

This is a fraudulent loan and auto dealer fraud against me the consumer. Consumer Fraud.
Consumer complaint received 2019-03-26
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)

Contacted XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with Experian and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation (TN)

This complaint is over a year old, so I may be too late : On XX/XX/XXXX, I received a bill from Global Credit & Collection Corp for {$3000.00}, and the " original creditor '' cited was XXXX XXXX. I have never had an account with XXXX XXXX, so this immediately aroused my suspicion. 

I called to inquire and was asked for my social security number, which I refused to divulge ; after pressure I finally cited the last four digits and the rep on the other end of the line cited my SS # in full. I was then told that this was a debt dating back to XXXX ( I believe that is the correct year ; if not it was somewhere near that year ) and that I should " do the right thing '' and repay this debt .... I kept insisting that I never had a XXXX XXXX account. At this point I was offered an option to " settle '' the debt for about half the price if I " paid today. '' I said I would call back and then immediately called XXXX XXXX, whereupon I was assured that I never had an account with them. 

I called Global Credit back and oddly enough the gentleman with whom I had previously spoken was gone. I then informed the woman on the phone that I had never had an account with XXXX XXXX and this was a fraudulent claim. She said they had received the claim from Velocity Investments, LLC ... 

I never heard from them again, but stories of recent scams in the news have lead me to feel a responsibility to report this agency for fraud. Thank you for your time.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Incurred {$27.00} late fee on XXXX XXXX account and explained to a representative, by phone on XX/XX/2019, that it was due to a major illness in the household. Requested reversal due to special circumstances and was told that it was not possible because a prior reversal had been done of last year. Requested if automatic payments were available which would help me avoid late payments and was told that option is not available for this account. The {$27.00} late fee is exorbitant and impacts those least able to afford it. 

Experience with XXXX has definitely not been a consumer-friendly one. After losing my home last year my credit score was lowered because XXXX lowered my credit limit even though I was current with payments.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has blocked use of the credit card on numerous occasions purportedly due to concerns about fraud. The problem arises from : ( 1 ) the frequency and unpredictability of the blockages ; ( 2 ) the entities identified ( some frequented before with no problem ) ; ( 3 ) the lack of a rational process to forestall blockages ; ( 4 ) the failure of the fraud alert system to identify fraud properly ( not one so far ) ; ( 5 ) the likelihood of this system leaving an innocent credit card user in an unsafe position ( one member of my family was blocked from purchasing gasoline while away from home ). As best I can tell, USAA believes credit card users should contact them before they make purchases to assure the company that no fraud is involved. This is obviously ridiculous. Moreover, when we have contacted them respecting travel out of state, it made absolutely no difference. Despite attempts to work this out with USAA, our efforts have been unavailing.