davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
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: DRIVEiT Holdings, Inc. (CA)

I bought a car from Driveit financial in XX/XX/XXXX. The original remaining XXXX loan was charged off. The company the was sold floorit financial and additional XXXX has been added to my balance. This loan was apart of my discharged bankruptcy and should have been removed as of XX/XX/XXXX but is still on my credit with a balance of the XXXX. This account should have dropped ok my credit XX/XX/XXXX but shows it will be on my credit until XX/XX/XXXX. How is this possible. The company phone number is disconnected so I have no way of contacting them.
Consumer complaint received 2019-10-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The fact that this agency XXXX and the other two giants and all who gather information from them report inaccurately, inaccurate and untimely information is a fact! XXXX  had given me a free account but I am no longer able to access it even though they email me to do so -duh! I can not access their request to review my account This charade continues impacting me and millions of Americans every single day! XXXX  Membership ID # XXXX Member Sign In We blocked an attempt to access your account Because we value your security, we take this precaution after too many failed sign-in attempts. 

You'll need to reset your sign-in credentials to get back into your membership. If you've already successfully signed in, please disregard this email.
Consumer complaint received 2021-04-15
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. (MS)

Last XXXX Ive sent a dispute letter regarding those inaccurate and unknown accounts Ive found on my credit report. It's been almost 30 days today but I haven't received any response. I demand to delete those accounts or I file litigation.
Consumer complaint received 2019-10-18
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 (IL)

I purchased a year long membership with XXXXXXXX XXXX using a CapitalOne GMCard on XX/XX/2016. At the time, I authorized a one time payment to pay for this membership in full. A contract was drawn up that showed I paid in full for that year. Two years later, I went back into the gym, and was told I could pay month to month. I gave them a different GMCard to pay for the first month. I never signed any paperwork. I was specifically not under any contract or obligation to them. I realized later that they had stored my credit card info and were charging me automatically on the new card despite my not having authorized it. When I finally had the chance, I called them and told them to stop charging my card. They demanded that I come down in person and fill out a request to cancel membership. I had just given birth at the time, and could not physically go to the gym. Furthermore, I had not authorized this charge, nor was I under contract. A contract signed three years ago and paid in full does not become binding again because I set foot at that gym again two years later. I called CapitalOne to dispute the  charges. XXXX responded to the with the contract from XX/XX/2016. On the contract, it clearly states paid in full. Furthermore, it has a different credit card number, which was the one I authorized them to use for the one time annual fee. This was not the one with the disputed charges. CapitalOne kept demanding paperwork from me that I did not have. I can not prove that I didnt have a contract ; I can not provide documentation that doesnt exist. I called CapitalOne and, at the request of their rep, wrote and submitted a letter explaining why I couldnt produce the paperwork they requested. A week later CapitalOne sent me a letter saying that my dispute was denied because the 14 day period in which I had to produce the paperwork had passed.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (FL)

loan with PHH XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent XXXX # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even OCWEN serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Consumer complaint received 2019-06-20
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. (NV)

You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account
Consumer complaint received 2022-02-16
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

My chase Amazon visa credit card had incorrectly filed my dispute as " cancelled charge '' when I had called customer service for a Double charge. I contacted them and showed them the second charge, and they said they could " no longer recover the fund '' because 60 days had passed. Attached is my insurance payment showing this same charge was Also charged to my insurance.

This is a violation of FCBA because Chase 's dispute department had incorrectly filed my dispute and is now saying they are unable to return the charge due to their mistake. I spoke to customer service several times, including XX/XX/XXXX, XXXX with XXXX XXXX, an account supervisor.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan & Co has failed to keep giftcards from XXXX -Three cards have been compromised or are inaccessible to maintain even though my records indicate there should be a balance. 

I have the card numbers as well & attempted to have JP Morgan investigate what is going on, but they won't help They recently denied me credit for XXXX cards stating I'm not a super high valued & wealthy client with trillions
Consumer complaint received 2019-06-20
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)

You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NY)

On XX/XX/2024 In an attempt to extend my XXXXXXXX XXXX XXXX on their APP, I was using my CHIME Credit Builder Card an the extension cost was XXXX. It never registered on the XXXX XXXX So I had done it again Chime held the money on my account again. I called XXXX they told me they didn't have the first XXXX but they did have one of the two. I contacted CHIME who told me it was XXXX issue and XXXX told me it was CHIMES issue. Then it happened again in extending the rental. So when i returned the rental to XXXX did not believe me that this had happened and instead of getting my weekly rate of XXXX They charged me for a month and a day to the cost of XXXX which would have been XXXX. Since that complaint and neither side would budge on helping me and filing a complaint with both companies got me nowhere and now CHIME is holding my pending rental car holds for 30 days. When prior they would come off almost immediately or in a couple days. I think they are doing this in retaliation for filing a complaint on both ends XXXX and CHIME.
Consumer complaint received 2022-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

My wages are being garnished for debt that is not mine {$7200.00} CROWN ASSET MGMT Garnishment started in XX/XX/XXXX court date on papers are dated XX/XX/XXXX
Consumer complaint received 2019-08-01
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I STRONGLY BELIEVE THAT SOMETHING COULD BE DONE SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX + {$520.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX I Reported : XXXX. XXXX, XXXX {$0.00} Closed Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$570.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$380.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$330.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$290.00} Needs Attention
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This complaint is in reference to My credit report showing a collection from your agency. I already sent a letter to your company but you did not respond with what I asked for to verify your claims of this alleged debt that I supposedly owe. I was never notified of this collection. I do not believe this debt is accurate. I do not believe this debt is mine. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation that shows I gave you permission to have my information, and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6 ) A copy of the full purchase agreement 7 ) I want you to Swear under penalty of perjury you were present during the alleged debt Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also read the attached letter and review all of the violations by your company
Consumer complaint received 2018-07-04
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)

This credit card account was agreed to be settled and pain in full as a settlement. Instead the company took the money and only deducted it from the balance. It should show XXXX balance but comments should be reported as settled and paid in full for less. Then deleted from report as a pay and delete
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

As of XX/XX/XXXX, I have received a copy of my credit report and noticed there was a fraudulent credit card account opened in my name. The account was opened in XXXX of XXXX. This account has missed payments as it is affecting my approval chances. It is reflecting to my credit report negatively.
Consumer complaint received 2019-08-01
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: TD BANK US HOLDING COMPANY (LA)

In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. 

XXXX XXXX XXXX XXXX were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I continue to not get returned phone calls, after they have called me on my home line, which I rarely use. 
I have given them my cell number more times than I can count. 

Soon they will tell the CFPB that they contacted me, or sent me a letter, and you all will believe it, because you have on the 3 previous attempts. 

The CFPB seems to be a worthless agency as far as getting anything actually accomplished. 

They are obviously discriminating against me because of my age. The XXXX XXXX XXXX  has the same product. They qualified me in 10 minutes, and got my card to me in 2 days.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

I filed a dispute with NFCU about a charge from a bar in XXXX called XXXX XXXX. When I was leaving I went to pick up my card and pay my bill in cash and was told my bill was over {$400.00} to which I immediately told them they had the wrong tab as I only had 2 XXXX XXXX, a vodka soda, and a hookah. They reviewed and I ended up paying {$80.00} in cash which included the cost of drinks, hookah, and a tip. I was NEVER given a receipt but I was given my credit card back and they said it wouldnt be charged. Later on I saw that I was in fact charged to my card and I waited to see if it was an error that would fall off but it never did and posted to my account, so i filed the charge back with NFCU. The provisional credit was given and when I made the claim NFCU asked if I had any documentation I wanted to send over to which I explained I didnt as I wasn't given any receipt for the cash payment i paid and I didn't have a credit card receipt because I was told it wasn't ever charged and i never signed for anything. XX/XX/XXXX my account was redebited for the amount and I had to file an appeal because I was told that the merchant came back and said that the services were valid. Today XX/XX/XXXX I received a response to my appeal which stated that they wouldnt reopen the case unless i provided a sales receipt so I called the bank directly and was told that the case was closed initially because i didn't provide documentation and that they didn't contact the merchant. So not only did they lie but they failed to followed Federal guidelines as per Reg. E when it comes to unauthorized charges. I asked for copies of all documentation used in determining the charges were valid and was told they didn't have any because they didn't contact the merchant. The merchant can't provide any documentation because they dont have anything from me signed because they gave my card back and I never signed for any receipts! This is completely outrageous. The merchant is committing theft and the bank is a in violation of federal regulation. I want my money back to my account within 72 hours or this will be escalated legally..
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

I applied for and got accepted for a Chevron Techron credit card which had some nice bonuses I could use and earn in the first month or two of use.

I waited for the card but it never came, I called at around 1 week and was told its still too early to get it replaced so I waited until the number of days requirement was met and called and got them to send another card. They refused to send it express without me paying extra for it.

I waited for the card but it never came, I called at around 1 week after the last call and was told it was too early so I waited until the requirement and called again and they said they would send another one. 
I waited for the card but it never came. 
At this point time had passed enough that I would not be able to earn any of the rewards I wanted. 
I closed the account.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advantage Financial Service LLC (Idaho) (WA)

In 2015 I was the victim of identity theft. A family member used my information resulting in medical collections in Idaho where I never sought treatment. I have been able to remove all but one of these accounts from my credit. Unfortunately Advantage Financial Services is still attempting to collect a debt from XXXX XXXX XXXX that does not belong to me.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

Car was sold, I overpaid my payoff amount to Ally Financial and they are saying it will take them 40 days to refund my overpayment, because " the amount of overpayment was large ''
Consumer complaint received 2022-02-16
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. (SC)

Checked my credit without my consent or knowledge. 4 times. They claim they did a soft pull then sent me denial letters. They have refused to correct this