davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-11
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. (GA)

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. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 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
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I called customer service to dispute charges and get a new card shipped to me and fix all the fraudulent charges that werent mine on the card and this guy was asking why did I want to dispute them and he asked for my social security number and birthdate and then he hung up the phone and the next day my account was closed and no card was shipped out and no reason was explain and I never owed chase and I paid my bills on time and everything so Im not sure why this happened to me other then the guy doing illegal things to my account in my opinion
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-03-17
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. (NC)

XXXX19 I did not authorize the Auto dealership to bombard my credit report with 13 inquires. When I saw this the business manager told me that the 13 would become 1 since I was approved.
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I attempted to report a transaction as fraud, XXXX XXXX XXXX FL XX/XX/XXXX, paid using Paypal but transaction is not listed under Paypal account. The account listed under the email, XXXX is now restricted and am unable to dispute any transactions due to account status just mentioned. The card which was used for purchase, ending in XXXX, is now closed with XXXX XXXX. This is an XXXX purchase, someone logged into my XXXX account and has been making purchases/submitting offers to sellers for items. I previously had to report an item as fraud, a purchase from a XXXX XXXX in the amount of XXXX made on or around XX/XX/XXXX, I do not have exact date available. The person ( s ) responsible appear to be buying high end jewelry items, both purchases mentioned are XXXX XXXX watches as I have verified through my XXXX account. I need this transaction, XXXX XXXX XXXX FL XX/XX/XXXX, placed in dispute as fraud ASAP.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/2020 XXXX XXXXDate of inquiry XX/XX/2020
Consumer complaint received 2018-10-06
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. (GA)

I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I sent a check via usps with tracking. The company received my payment in plenty of time before my due date but sat on the payment for over a week before posting it to my account. They then charged me a late fee and interest and account assure fees on the " late '' balance. The check I sent would have paid off my account and then some. They finally refunded the late fee but did not adjust the other fees I was charged. They also did this to me on another store card I have.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$520.00} XXXX XXXX-Balance {$270.00} XXXX XXXX-Balance {$200.00} XXXX-Balance {$1400.00}
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hello, its been 6 to 8 months of me fighting to get this fraudulent Bankruptcy off my credit report. The information I received from Equifax saying it was verified, But I want to know who verified it? By law you have up to 30 days to remove this of my credit report.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (SD)

In XXXX of XXXX I purchased a XXXX XXXX XXXX with an extended warranty financed through Ally Auto. In XXXX of XXXX, I was informed that buying an extended warranty for a XXXX was not needed so I cancelled it. In sum that amounted to a little over XXXX XXXX. This check did not get sent to Ally until XXXX and never paid down the principle amount of XXXX XXXX. In XXXX of XXXX I decided that I was going to get an rv and the XXXX could not tow it so I purchased a XXXX XXXX XXXX. The dealership to ensure that the XXXX got paid off fully sent them a check for XXXX XXXX. At this point Ally Auto pocketed the XXXX XXXX in refunded extended warranty money and the XXXX XXXX overpaid by my new auto loan. I call the extended warranty company who confirmed that Ally Auto cashed the XXXX XXXXXXXX XXXX  check and I can confirm from the loan amount that it was never applied to pay down principle. Thus, they owe me not only that extended warranty XXXX XXXX but the XXXX XXXX in over payment from the new auto loan. I have called them multiple times and have gotten very different responses. Responses ranging from it will be 30 days to oh I don't see those refunds in the system to that team that handles those are out of office. Please help, I can not get anyone to give me clear answers.
Consumer complaint received 2022-06-11
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. (GA)

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. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 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
Consumer complaint received 2018-11-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. 

We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. 

The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (NC)

XXXX XXXX XXXX and XXXX, several other toll free numbers with an XXXX or XXXX prefix, Unknown caller and No caller id calls. 

This company has been calling me for the past year, as recent as XX/XX/year>. They have called as early as XXXX XXXX  and even called after XXXX XXXX  in the evening. 

I have asked them several times not to call me for any reason and to remove my name from their list, and to communicate by writing as I have no debt with this company. Over 90 days ago, before I blocked their number for calling me, I asked for proof of any debt and to this date I have not received anything in the mail.
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT.Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I had a credit card called the Citibank XXXX XXXX XXXX   Platinum Card. Due to not wanting to pay the annual fee of {$95.00}, I requested to close the card account in the middle of XXXX. I was told by a Citibank representative that it would be in my best interest to switch my card to the Citibank XXXX XXXX XXXX XXXX Card, which did not have an annual fee. I was also told in the same conversation that the annual fee I was charged for the upcoming year would be refunded within 2-3 billing cycles. I did not understand why Citibank could not reverse the annual fee when I originally explained I did not want to pay to annual fee, and when I was switched to the XXXX XXXX. However, I accepted this, and patiently waited. 

In the middle of XXXX, I saw that my statement still had the annual fee of {$95.00} as my balance. Furthermore, I saw that interest was also charged on this annual fee. I called Citibank once more, and I was told by a Citibank representative that the annual fee would be taken off of my account on my XXXX billing statement, and that also the interest charged on my account would be reversed as well. It is now XX/XX/XXXX, and I noticed on my statement the annual fee is still on my account. 

I contacted Citibank today, and was told my annual fee would be reversed in now in XXXX. Meanwhile, interest is continuing to be charged on my account on the improper annual fee, and I feel my patience is being taken advantage of. I realize this fee is not a great deal of money, but the level of smug customer service I have received from Citibank and their constant delaying of reversing an improper annual fee I know Citibank could reverse immediately, feels predatory to me. 

I am requesting the CFPB to look into this matter.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

Deceptive practice, illegal repossession. Filed complaint with Attorney General. Upon refusing to return car stolen and illegally repossessed, and XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX breaching loan terms, XXXX XXXX hung up on me, and within XXXX mins reported to all credit agencies indicating involuntarily repossession despite knowledge and video taped by my home cameras the XXXX minute conversation with the PI where I handed over my keys. I attempted to pay what was owed, all well within my loan terms the following 3 days and was denied and XXXX XXXX gave reason he owes bank. False reporting with knowledge to credit agencies and refusal to fix despite knowledge written to bank and XXXX. Reported and filed against Fair Credit Reporting, falsified information reported to credit agencies of involuntary repossession knowing such admittedly incorrect as I gave the keys. Such is under investigation with MA AG however credit report reflects incorrect. I have written statements from XXXX and is on video me handing over keys despite the repossession was illegal I atill handed keys and XXXX XXXX refused to return my car after written statement of amount owed was provided, and I went with full payment and XXXX XXXX discrimination and multiple threats and deceiptful statements said I am the bank and can take if I want irregardless of the loan. XXXX using false underwriting was aware as well. Written documents for months of deceptive practice and now left my credit damaged for years and did so with knowledge of illegal reporting
Consumer complaint received 2018-11-23
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 (AL)

I have submitted to capital one credit card a dispute for 2 charges that were charged on my account from XXXX and XXXX XXXX that were billed on XX/XX/2018 and those charges were for XXXX dollars and the case number was XXXX and the other dispute was for XXXX dollars billed on XX/XX/2018 and case number was XXXX and the. Reason I disputedthe charges is because I was charged for parts that the merchant did NOT install in my car and fraudulently charged me for those parts and services that were NOT done on my car and I discovered this after I picked up the car. XXXX and XXXX XXXX lies and did NOT do the job completely and were very unprofessional and NOT honest. They overcharged me by adding charges to the bill for parts and services that were not done to my car. Now capital one Visa card account number ending in XXXX. Capital one refused to refund me the money and asked for opinions of other merchants and things whivpch are impossible for me to get. 
I did NOT receive what I paid for and I disputed the charge and I want my money back. But capital one Visa card refuses to listen to me and refuses to resolve the dispute and refuses to refund me the money and they ruled in favor of XXXX and XXXX XXXX In XXXX Alabama and there address is XXXX XXXX XXXX in XXXX alabama XXXX and phone number XXXX who is a big lier and a scammer. They charged for parts that were never installed and services that were never performed
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NC)

My husband and I owned a single family home. He died last XX/XX/XXXX. This house was on XXXX XXXX XXXX in XXXX NC was put on the market, sold and closed on XX/XX/XXXX. " Dovenmuehle '' was the lender, account # XXXX. The mortgage was due at the beginning of the month so the time between XX/XX/XXXX and XX/XX/XXXXshould have been prorated and the remainder paid to me. I never received a check so I started calling to find out why I hadn't. 
I called and spoke at length to " XXXX # XXXX who said that a check had been sent to XXXX XXXX   instead of my home at XXXX XXXX XXXX, XXXX NC. ( why would they send a check to the address of the home I sold? ). XXXX said she'd put in a request to reissue the check and send it to me at XXXX XXXX XXXX 
The check never came. 
I called on XX/XX/XXXX and spoke with " XXXX '' who said I needed to send them a death  certificate before they could issue the refund. I sent it in. No check. 
I called on XX/XX/XXXX and was told I would have to fill out a form formally to change my address. I completed it and sent it back to them. 
I called on XX/XX/XXXXand spoke with " XXXX. '' She said they would have to check with the credit bureau to remove my deceased  husband from the account before they could issue me a check ( why this didn't apply in XXXX when they sent a check to the old address, I don't know ) I called on XX/XX/XXXX and spoke with " XXXX ''. I asked to speak to a supervisor. I was transferred to " XXXX '' ( XXXX ) who told me that the information wouldn't go out to the credit bureau until the end of XXXX. 
Still no check. So I called back on XX/XX/XXXXand spoke with " XXXX '' ( XXXX ). She said she saw all the records about my calls and that " it should have been taken care of. '' Apologies, apologies. She said she had put in a request for a check to be cut and sent to me. Told be I should receive it in 7-10 working days. 
You guessed it. 
Still no check. 
Mortgage company : Dovenmuehle XXXX XXXX XXXX, XXXX XXXX, Ok XXXX. ( XXXX ) XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs closed my Apple Card saving account without any notice. 
Theres still a balance of over {$7000.00} in my saving account. 
They keep telling me theyll transfer my money to my XXXX checking account, but its been days I havent seen anything. 
I called them and they keep transferring me to many people without any help. 
I talked to someone today and she sounded like shes drunk or on drug. 
She kept providing the wrong informations about the case and apologized for giving wrong informations.