davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

i had a rep call me and tell me that my account was being reviewed due to me reporting an atm fraud. i explained that i have never reported any kind of atm fraud. i have my debit card and there was nothing wrong with it. i have had direct deposit for over 3 years and when i called they said it was closed. the same day that i got my direct deposit. now there telling me i have to wait 60 days before i can get my money. so i have to wait 2 months before i can see my money. they wont even let me open a new account. not like i would want to after all of this
Consumer complaint received 2023-08-22
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: CCS Financial Services, Inc. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists
Consumer complaint received 2019-01-03
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. (NV)

I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Transunion still has not corrected the STATUS. They added a comment to the Remarks section but Transunion did not update the STATUS. 

Below are the XXXX account reported incorrectly. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Transunion. So Transunion needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Transunion file number is XXXX
Consumer complaint received 2022-04-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days
Consumer complaint received 2019-01-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial (FL)

I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help me.
Consumer complaint received 2023-03-17
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)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (LA)

My name is XXXX 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 2019-01-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (CO)

Concord Servicing Corp, XXXX XXXX XXXX, XXXX, AZ XXXX, services accounts on behalf of XXXX by XXXX XXXX. Our vacation ownership interval contract requires a Refurbishing Fee, due every five years. Our contract was signed XX/XX/XXXX. We do not dispute we owe the fee of {$7100.00} for a full five years. We do dispute that Concord/XXXX XXXX is billing us for the fee 4.5 months in advance of the 5 year anniversary date of our contract, which is XX/XX/XXXX. 

The contract specifically states ( SIXTH recital, item 2.1 ) that the Refurbishing Fee " ... shall be paid 1 ( once ) every 5 ( five ) years during the term of this Agreement. '' The contract does not specify the Refurbishing Fee is collected on XX/XX/XXXX at the beginning of the fifth year, regardless of the date the contract is signed. If we pay the full amount on XX/XX/XXXX for this first " partial '' five year cycle, we are overpaying by ~ {$530.00}. ( For consumers with a contract date later in XXXX, the amount would be significantly more. ) However, if the amount is properly pro-rated on XX/XX/XXXX for this first five year cycle, we agree in the future we would owe the full amount every five years on XX/XX/XXXX, as it would cover a full 5 years of ownership. 

We contacted Concord directly, who referred us to their customer, XXXX XXXX regarding any billing errors. We were told by XXXX XXXX that " all Refurbishing Fees are due at the beginning of the calendar year '' and that they would not pro-rate the fee for the partial year. When I pointed out that the contract did not allow them to bill early, we were told that was the way all contracts were managed and if we failed to pay the amount in full as billed, our contract would be placed in default. This would not only prevent us from using the property, but also puts the amount we paid for the property ( over {$120000.00} ) at risk. At no time was anyone impolite ; they were simply firm with their position, would not debate it, and were clear about the consequences. This left us with little option than to file this complaint. 

To keep our contract in good standing, we are going to pay the fee as billed. However we are also filing this complaint with the CFPB for unethical and inaccurate billing practices.
Consumer complaint received 2019-01-03
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. (NV)

I had 7 student loans that were initially serviced by XXXX. These 7 accounts went into default and were transferred to collections. These accounts were supposed to be updated to show that they were Transferred to Another Office. XXXX has responded that they did indeed report the status as Transferred ... however Equifax still has not corrected the STATUS. They added a comment to the Remarks section but Eqiufax did not update the STATUS. 

Below are the XXXX accounts with the wrong status. I've already filed a complaint with XXXX and they stated they reported the status as transferred and that the error is with Equifax. So Equifax needs to fix. 

Below are the XXXX accounts with the incorrect current STATUS : 1- XXXX 2- XXXX 3- XXXX 4- XXXX 5- XXXX 6- XXXX 7- XXXX My Equifax confirmation number is XXXX
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have a checking account with Chase Bank since XXXX with excellent standing record. 

I recently opened a new LLC business checking account.on XX/XX/XXXX at the XXXX branch with {$2000.00} initial deposit. I also deposited {$8000.00} in my personal account ready to pay property tax. 

On XX/XX/XXXX, I am unable to access both personal & business LLC account.s. I have called several times to Chase different departments and finally found out the Bank has frozen both of my accounts and closed them within a couple of days with no explanation or communication.I also went to the branch but got no answer. 

I am in shock since the {$8000.00} just deposited in personal account in XX/XX/XXXX is the fund to pay the property taxes. Both accounts with total balance of {$10000.00} are still unavailable to withdraw as of today, XX/XX/XXXX. 

So far, no one in the branch or customer service call center is able to explain what happened or what to do except having the closing account process to run the course. 

I am still in the hole and waiting for my {$10000.00} deposit to use. I have received two letters dated XX/XX/XXXX stating both my personal and business LLC checking will be closed soon due to " recent activity '' or " did not provide information requested ''. 

The only recent activity was to open the new business XXXX at the branch, which I suspect to trigger all the closing accounts situation for no reason. 

I felt powerless at the mercy of the Chase Bank holding my {$10000.00} property tax money due to pay before year end of XXXX. Apparently only thing I can do now is keep waiting until " who know when '' to get my hard earning money back.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX XXXX and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Reporting Act, you are required to comply. My name is XXXX XXXX XXXX
Consumer complaint received 2019-01-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

In XXXX of XXXX I applied for a private student loan through Wells Fargo. Within a month I received notice from Wells Fargo that XXXX XXXX XXXX XXXX XXXX refused to certify the loan because the term dates I listed on the application were invalid. After considering the terms I decided I did not want the loan and called Wells Fargo to ask what I needed to do to cancel it. The representative told me that I did not need to do anything because the school refused to certify the loan and unless I updated my paperwork it would not be approved. I did not update the paperwork and believed the loan application to be cancelled. 
After I graduated in XXXX of XXXX, I received a statement from Wells Fargo notifying me that my loan would be in forbearance for six months. When I called to question what they were talking about I was told my loan had been disbursed to XXXX XXXX XXXX XXXX XXXX. I informed them that I cancelled the loan, had already graduated, did not want the loan and wanted the check cancelled. I was told that they would not cancel the check and that I would need to wait for the school to mail the check to me and I would in turn have to mail it to Wells Fargo to cancel. I did this as soon as I received the check and Wells Fargo credited my account for the full amount of the loan on XX/XX/XXXX. 
In XXXX of XXXX I began receiving calls multiple times per day from Wells Fargo regarding 'a delinquent student loan '. I had older student loans with Wells Fargo that had been set up for auto draft so I called to notify them of this as I believed they had made an error. When I called Wells Fargo I learned the loan in question was the one that had been cancelled. Wells Fargo stated that interest had been accumulating on the loan as well as late fees. I explained to multiple collection personnel and supervisors all of the circumstances above and Wells Fargo determined that even though the check was never cashed and I was never notified about additional charges the fees were due to them and they intended to collect. Wells Fargo called me multiple times each day starting early in the morning and going through XXXX at night. They called my employer multiple times per day even after being told by staff at my agency to stop. Additionally, the charges were reported as a delinquent account on my credit report. In an attempt to minimize any further damage to my credit and employment status, I paid Wells Fargo the full amount due on XX/XX/XXXX. 
Starting XX/XX/XXXX I began receiving multiple calls on my cell phone but no messages were left. I later learned it was the Wells Fargo collections department. On XX/XX/XXXX, I received an email stating one of my student loans needed my attention. When I logged to review the account it is listing a past due balance of XXXX and the assessment of late fees on the loan in dispute.
Consumer complaint received 2023-03-16
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. (MI)

In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions 15 U. S. C. 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I have attached copies of my credit report showing that the information they provided does not match and its inaccurate
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXXXXXX XXXX  XX/XX/2023 I deposited XXXX XXXXXXXX XXXX  that totaled to the amount of {$900.00} for a cash deposit at an ATM at my bank. It posted immediately and then the transaction was wiped off my account today and it is no longer there.
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I am financing a 2019 XXXX XXXX I purchased from XXXX XXXX in XXXX. My contract and vehicle have the correct VIN but XXXX XXXX who did the financing has a completely different VIN listed. I have contacted them several times only to get no resolution. I am told I can not speak to a manager and managers can't call out or email to customers. I am paying for a vehicle that does not match the vehicle I am driving. The VIN on my contract is the VIN of the vehicle I am driving. I am in financial hardship and need to sell the vehicle ASAP.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2023-03-16
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. (MI)

I am the consumer filing this report please do not close without completion. Here are a list of violations on my credit report : USC 1681 SEC 602 ( A ) states that you have no permissible purpose by law to contact third parties with my personal information. " I have a right to privacy ''! You offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( A ). You have knowingly transferred, possessed, or used w/o lawful auth, a means identification of me, which is a felony punishable up to two years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692G. They were to notify me of this in writing five days prior to and I was not. As the original creditor only I can validate the debt and i did not validate this debt. Therefore the following accounts must be deleted from my report. Failure to respond with deletion will result in {$1000.00} per violation for ; Defamation of character, fdcpa, 15 USC1692G, 15 USC 1681N, and negligent enablement of identity fraud.
Consumer complaint received 2021-07-20
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Consumer complaint received 2017-06-22
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, Equifax and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX