davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-22
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. (UT)

I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have all violated my right to privacy. XXXX. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with XXXX, XXXX and Equifax. 9. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, XXXX and Equifax systems concerning my report.
Consumer complaint received 2022-08-10
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. (FL)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF EDXXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2023-03-31
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: CLGF Holdco 1, LLC (MO)

XX/XX/2023 at XXXX, I called Genesis FS Card Services to close this account that I never signed up for. Before even talking to an agent, I was asked for my last 4 digits of my Social Security number, when I said I would like to talk to an agent I was asked for all 9 digits of my social security. When I finally got on the phone with an agent, I refused to give them personal information and was put on hold and eventually hung up on.
Consumer complaint received 2022-08-10
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: PNC Bank N.A. (FL)

On XX/XX/2022 I advised PNC credit card that my cash rewards of {$98.00} had not been credited to my account. I submitted a dispute and they acknowledged that it was not credited however it never showed up on my account. 

On XX/XX/2022 I contacted PNC about a pending withdrawal from my checking account in the amount of {$930.00} and advised that it was an overpayment from an auto pay on my PNC credit card. The branch could not assist and connected me to the PNC credit card customer service. They stated they would put in a request to refund the over payment. Although it was pending PNC checking would not stop the overpayment nor would PNC credit card. I have spent hours on the phone over the last few days and they have not done anything to reverse the charge.
Consumer complaint received 2019-02-28
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. (CT)

On XX/XX/2018, I purchased {$320.00} USD of merchandise at XXXX XXXX XXXX XXXX XXXX in XXXX. My Chase credit card was swiped several times because the internet was not connecting. We didnt realize it but, both the swipe at XXXX, as well as the swipe at XXXX went through XXXX XXXX ( The vendors card reader ). I only signed ONCE for the XXXX swipe. 

When I first saw the charge in XXXX I called Chase. The customer service person told me that it was obviously a double charge and it would be removed from my bill. It was for about a month and then it reappeared. 

Both the manager XXXX XXXX and owner XXXX XXXX have contacted Chase in my behalf. On XX/XX/XXXX, XXXX and I conference called Chase. Customer service would not let us speak to anyone handling this dispute. The owner, XXXX, wrote to Chase ( XXXX ) saying I do not owe them money. I also included a copy of his letter in my correspondence ( XXXX XXXX ). I have written Chase ( XX/XX/XXXX, XXXX and XXXX ) and included email and XXXX correspondence from the vendor. I have called Chase countless times with frustrating results. 

I recently found out that the vendor was paid twice and returned one payment to XXXX  XXXX. This is now a matter between Chase and XXXX XXXX.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (VA)

Barclays closed my Arrival credit card account on XX/XX/2018. I maintain a credit score in excess of 760 and have paid all of my bills for over 20 years. Barclays claim they closed the account because of " Your history of account usage. '' What does this mean? I used the card to buy things and then I paid off the balance. 

At the time my account was closed, I had XXXX miles worth {$440.00}. Those miles were taken from the account. They easily cover the very small balance on the card.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servis One, Inc., Titusville, PA Branch (FL)

After reaching a payment agreement with XXXX XXXX XXXX, this company continued to report the acount 180 days late when the payment on the agreement were made on time during the months of XXXX, and XX/XX/XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. This wrong reporting is causing issues trying to refinance the mortgage on the loan to get better rates. They also are reporting a wrong balance in the loan that they have acknowledged is {$170000.00}. In my credit report is showing more than {$220000.00}. I have written many letters to them trying to resolve the issue and they stay doing nothing in this regards. I demand that the months previously referred need to shown as pay as agree to honored the enclosed payment agreement and a correct balance of {$170000.00} needs to be corrected.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA (NY)

In XX/XX/XXXX, I had a problem with meeting my payment due date. I called in to have the payment extended to avoid a late charge, as well as late payment on my account and credit agencies. In XX/XX/XXXX, The representative with whom I spoke told me all was set. I asked him, am I not suppose to get a letter to sign and he said no, all is set, my next payment will be in XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls as well as letters that I am pass due. I spoke with the agent and explained that this should not be. 

She read the account history and apparently saw what the first person wrote, then she said will fix the problem and that the calls will stop. She then send me a letter which I fax back to XXXX with my signature attached. 

On Wednesday XX/XX/XXXX, I went on lone to make my XX/XX/XXXX payment and saw that they charged me {$25.00} for late payment fee, as well recorded late payment to my account history and on my credit report. 

I called to have these corrected and was told the manager denied to waive the late payment because I already have one waived. I told them, this is the company error and not mine and it should be off my credit history cleared from this error. 

I then asked to speak with a manager and was told I have to call back and because they are not available. I now have a {$500.00} balance on my account that is 32 days pass due and a fee of {$25.00}, plus late payment report to my credit history. 

I need these to be corrected - the late be removed, my credit history to clear from this late payment note, and the balance remove to have my account in good standing.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.
Consumer complaint received 2018-03-21
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: Conn's, Inc. (TX)

I have sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (GA)

I have made my payments on time to Seterus Inc since they took over my loan from XXXX XXXX. I closed on the home in XX/XX/XXXX. I have lost my job and now need them to fax me documentation so I can get into a state group with Georgia that helps people behind in their loans. Seterus blocked my access to print out loan documentation online because I am behind on my payments. Hence, I can not print out my tax form or current month 's statement. I have asked since XX/XX/XXXX for paperwork to be faxed to me and they have not completed the process.
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

I terminated my XXXX XXXX service XX/XX/2016 due to poor service when the service technician failed to show up during the scheduled time window. The technician rescheduled for the next day, but failed to show up again in the time window and actually tried to access my property, after dark, through a private, gated entrance! I immediately cancelled my service and paid the amount due up to that point according to the customer service representative. This person also confirmed the {$49.00} service fee would not be charged. Since then, I've spoken with XXXX XXXX twice and they confirmed there was a " note '' to remove the service charge, but it never was. The account went to collections with a balance of {$27.00}. I've been contacted by mail and email several times by the collection agency. I've reached out to XXXX XXXX through social media to resolve and they were supposed to zero out the account and remove it from collections. I checked my account online ( still active ) and it still shows a balance of {$27.00}. I downloaded the last statement which shows the balance AND {$49.00} service fee that was never removed. XXXX XXXX actually OWES me {$21.00}!
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.
Consumer complaint received 2024-02-27
Product: Credit 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: CLGF Holdco 1, LLC (WA)

I went online to make.my1st payment there payments format is weird it wouldn't show my payment so I did it 2 more times a couple of days later XXXX XXXX dollars payments showed up I had the money in my account for XXXX tried explaining that it's there system they charged me XXXX XXXX dollar payment for insaficent insufficient funds I thought I only made 1 payment and they showed up a couple days later talked to 2 different people and they both didn't listen or didn't care to they were very rude horrible customer service.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian said that I did not answer their questions properly and they have no human phone number - everything is done through a robo phone - when I tried to unfreeze my credit information with their robo and website - they refused to help - I am trying to buy a house and the freeze they have on my account will not let them get my information. 

This started on XX/XX/XXXX2019 - I have called every number I could find and it always sends me to the robo help - they want me to send through the mail - a copy of my SScard - my ID/DL - bank statements - utility bills. 

This is NOT secure and they will not help in anyway- I found an email address XX/XX/XXXX19 and they refuse to respond. Even if they would let me email it to them or fax it - but I can not get any help!!!! No person to talk to - what do I do now and who can help me.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company XXXX XXXX XXXX is continuously reporting on my credit profile with XXXX and XXXX. I have reached out to them continuously to have them send me a copy of any documents with my signature on it showing that I have contracted with them and owing them money. They have failed to do so. They are reporting illegally and not following the FCRA and the FDCPA. I contacted the original creditor and they have removed the account from my XXXX credit profile.
Consumer complaint received 2017-07-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (GA)

I took out a title loan with Titlemax in XXXX, Ga. I was not properly explained how much this loan would cost me. This vehicle was also repossessed 2 days before payment was due as I had cleared it with XXXX, the supervisor at that time. I have been treated unfairly by TMX the finance company as they have harassed my references with alot of harassing phone calls and actually showing up in XXXX, Fl knocking on a friends door. During this time I have had contact with Titlemax. I do n't feel this is fair practice and something needs to be done. Each time I make a payment it seems like not much comes off, as I pay XXXX a month and have been all the time since XXXX.I did get my payment lowered once they repossessed my suv, but noticed extra charges on there as a repo charge and some other charges, The repossession was Titlemax 's fault so I should n't be charged extra fees for this. Please something needs to be done. They do n't explain anything as far as fees added on and interest rate. My son had to be hospitalized and have XXXX XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Strategic Automotive Servicing, LLC (TX)

A negotiated settlement of  XXXX  dollars was accepted to payoff the auto loan and obtain title. A copy of the statement shows that the  XXXX  dollars was applied as a payment and not a payoff and the title was released. This occurred in  XXXX   XXXX  and a credit report pulled in  XXXX   XXXX  shows that a balance is still due. Since the  XXXX  dollars was applied as a payment and not a payoff, the interest clock is still ticking and and the  Servicing Supervisor clai ms that it is a deficiency balance.     Since the same servicing supervisor states in an offer letter that : "  Strategic Automotive Servicing will acc ept  XXXX  dollars as full and final payment and issue release of the title/lien. '' He has effectively has no claim to a deficiency balance.     The letter identifies the company, person who signed letter, name of the purchaser, VIN and auto description, and no mention of deficiency balance to carry over. Evidence of the transaction is also available. Also the title was released as per the letter agreement.