davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!
Consumer complaint received 2020-08-20
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. (OR)

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.Equifax and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have a difficulty with a purchase made from XXXX XXXX through " XXXX ''. I bought a ticket ( On XX/XX/XXXX ) with the date I needed but in less than a month of my trip I receive an email saying that the trip is no longer enabled that I have choose another date. But that is not possible for me since it was necessary to travel that same day, in addition to other connecting trips that I already had scheduled. I call the agency and they tell me that there are no more options, so I decide to ask for a fair refund of my money. The next day, XX/XX/XXXX, I receive a new email saying that my return is not possible. That I must communicate directly with the airline " XXXX '' but since that day I have tried to access communication with them and it has not been possible. I filled out a refund request from their page and so far I have not received any response. I feel that I have lost my money and it does not seem fair to me since I had to buy a new ticket even more expensive than the initial one. I go to this option to help me from my bank to recover the money. I attach a photo of the emails received. 

In the last screenshot you can see that my reservation is stoped and they haven't done anything so far.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MN)

My wallet was stolen in XX/XX/2018. A while after fraudulent charges where being made. The bank denied claim even after police charged a suspect with fraud.
Consumer complaint received 2017-09-14
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: Avant Credit Corporation (TX)

I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I was XXXX from XXXX. During this time my phone and wallet were stolen. I reported it to the police and notified my bank as soon as I saw that they were lost. Someone during that time used my card in various states to make purchases in excess of XXXX. I have XXXX and have been very ill and was unaware of any of this happening during my treatment. I have provided proof that I was in California when these purchases were made in other states but chase is saying that since my pin was used, I am responsible for all the purchases even though I can prove I was XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX California when these purchases were made in various states within the XXXX.
Consumer complaint received 2023-08-30
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

The company sent a final statement with an unspecified " excess wear fee '' of {$320.00}. The company also imposed a " past due payment '' of {$500.00}, and an " official fee/taxes imposed by government agency '' for {$260.00}. None of these fees were disclosed to me when I returned the car. The representative at the dealership looked over the car and said everything looked " great. '' I was told that I would need to pay an excess mileage fee and and " disposition fee, '' but that everything else was " included in the lease. '' I returned the vehicle on XX/XX/2020, about two weeks before the lease was due. I received the letter in question on XX/XX/2020. The date of the letter was XX/XX/2020, but it says that the payment is due on XX/XX/XXXX. 

I have no problem paying the excess mileage fee and the disposition fee, as these were the fees that I agreed to when we initially signed the lease. When I returned the vehicle, the salesperson told me that I will only be paying the disposition fee and the excess mileage. 

I called GM Financial on XXXX XXXX to try and get some answers about why these charges were imposed and what they were for and the representative refused to tell me what the " official fee/taxes imposed by government agency '' for {$260.00} was for. They did not know which taxes fees or governmental agency was collecting these fees. The representative told me that the " past due payment '' of {$500.00} was supposed to be for a payment that the company forgot to deduct from my account. I had the loan set up through automatic deductions and the payments always came out on time, with no late payments. No explanation from the company. I was told that the excess wear fee may be from the tires but they were not sure. I will not pay for something that the creditor refuses to explain. I spoke with customer service and they transferred me to another representative and then disconnected the call.
Consumer complaint received 2022-04-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-09-17
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: BARCLAYS BANK DELAWARE (NJ)

I pay most XXXX dollars monthly through XXXX for all three credit bureaus to provide my credit updates. My account continues to decrease every day when All my open credit card accounts are in good standing and have no balances, yet my credit reports are stating my cards are at maximum limits. All open loans are current and paid accordingly. Credit bureaus are reporting negatively and it shouldnt. Myself and my husband pay XXXX memberships just to improve our credit and this continues to happen.Collections are reporting negatively that have no balances and shouldve dropped off, aged out or been removed. I have reported these concerns multiple times with minimum results. Closed Accounts with XXXX  XXXX, FXXXX XXXX XXXX XXXX, XXXX XXXX and BARCLAY continue to run DAILY, Monthly and Yearly reports severely impacting my credit scores with accounts have been closed for years and aged or aging out. These companies are running my credit and I have no relationships with them. Im being charged multiple collections for the same accounts reporting with different agencies with increased charges for the same accounts.
Consumer complaint received 2017-09-11
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. (CA)

Equifax clearly gives out a randomly generated answer and does not base this off actual XXXX or XXXX. This is blatantly an abuse to try to receive revenue from identity theft services.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (CO)

On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with XXXX XXXX XXXX Bank in the amount of {$11000.00}. I have since resolved this issue with FFAM ( First Financial Asset Management ) who is the debt collector and I am now working with XXXX XXXX  XXXX XXXX XXXX XXXX ) to make sure my case has been discharged as fraudulent.
Consumer complaint received 2021-09-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received a Auto loan from Capital One Auto Finance in XXXX XXXX i had no idea that a pandemic was going to impact my finances the way it did. after 3 payments Capital One sent me over the Car title with no lien holder just me as the owner. i contacted Capital one an suggested we make this into the proper loan type which would be an unsecured loan on a credit card, because i have the title and i still owe money for the loan. i was never able to reach someone to discuss the process which can transfer my Auto loan into an unsecured loan type to be a Balance transfer, so that i would be able to pay the loan off in a faster pace instead of 72months it would be 18 months 0 % APR within the terms. the dealership has contacted me and was told to ask if they could buy the car back and Capital One asked me to mail in forms to the DMV, then mail them back to them. i sent in a letter on XX/XX/2021 certified mail. now the title an car situation is in limbo when i suggested a easy resolution where the car is mine by me owning the title as of now and the money i was loaned would be paid off in a shorter time frame, everyone can be happy an settle the error.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I set up a platinum card and a balance transfer of approximately XXXX. I set up automatic payments through hill pay and my bill was never probably debited from my checking account. I tried calling and gave up after thirty minutes on hold.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am sick and tired of this banks customer service treating me absolutely horrible I just opened an account with them on XX/XX/2019 last week on Friday I have not received my debit card at first when I call they are nice and tell me its coming its been days and nothing has arrived and when I call them to remind them they treat me horrible nasty and keep telling me to go to a branch they give me a hard time refuse to speak to me and when I go to the branch they say their is no problem their crazy this is not nice Im a new customer and they treat me wrong
Consumer complaint received 2019-06-06
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. (NC)

In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my report.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thomas George Associates, Ltd. (WA)

Monday, XX/XX/2019. I received a call from a 'subrogation representative ' at XXXX XXXX PST , saying that I owe money ( XXXX $ ) for an accident that someone else was involved in, driving a car I no longer own. 
The company is called Thomas George Associates. 
He claimed that I can have my driver 's license taken by the state for failure to comply ( pay ) even though I was not an involved party. 
I asked if he was a bill collector and he denied this saying that he is a subrogation officer. To which, I repeated my question. 
I then requested the claim in writing, so that I can understand. 
The tactic of denying that he was a bill collector and pretending to work directly for the insurance company allowed him to call me before XXXX XXXX. The threat that I could lose my license because of their actions seems out of bounds as well. 
As of today, I did receive the notice of right to dispute, so, I think things are back on track. However, I felt like this was a violation of my rights of communications to collect a debt and wanted to voice that. 
The officer claimed that on XX/XX/XXXX an accident occurred in a vehicle owned by me. I have documents attached showing that I sold the vehicle in XX/XX/XXXX.
Consumer complaint received 2019-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance in helping me to remove incorrect information from my credit file. Transunion, XXXX, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; XXXX is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX  and XXXX and Transunion is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; Transunion is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

XXXX is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Without notice, my credit cards were closed by Bank of America. This was done the day before my statement closed in an effort to steal my rewards. I had about {$5000.00} worth of points on my 3 credit cards that were closed.
Consumer complaint received 2019-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (KS)

Radius Global Solutions has attempted to collect a debt by placing the debt collection efforts on my credit report. Radius Global Solutions never contacted me and writing or provided me the opportunity to dispute the debt. In an attempt to dispute the debt, I sent a validation request to the address provided on my credit report. The certified letter came back as undeliverable. Even in an attempt to validate the debt, the debt collector refuses to provide a valid address.
Consumer complaint received 2019-11-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a cosigner on a new XXXX XXXX  XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX   had the car and took longer to send in the payoff for the car than normal and XXXX   reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted XXXX   financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told XXXX  doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.
Consumer complaint received 2023-01-30
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. (FL)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX  and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Had a collection account appear on my report. XXXX, XXXX & XXXX Original creditor : XXXX XXXX  XX/XX/XXXX. I never had an account nor know what XXXX XXXX is. I disputed online then via certified mail. I said please provide the original documents with my wet signature to irrefutably proof it is valid. if not please remove and send me an updated report. Did not receive anything. Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account * XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

No information was provided and it was outside the window.
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

My complaint is to get the rewards dollars of {$830.00} back. 

I am an active Amazon XXXX member using Amazon XXXX XXXX XXXX issued by Synchrony Bank to shop at amazon.com. On XXXX/XXXX/2020, Synchrony Bank closed my Amazon XXXX XXXX XXXX account without noticing me first and the reward balance of {$830.00} was forfeit. The reason was " high risk of failure to pay ''. As a matter of fact, I held this account for more than 1 year, and I paid every single bill in full on time without any default. At the time when my account was closed by Synchrony Bank, there was even not a debit balance. 

I called the Synchrony Bank customer service twice. I got the same answer from them. They claimed that once my account is closed, the rewards are forfeit and can not get them back. All the {$830.00} rewards were earned when my account was active, and I already paid the bill before my account was closed. Especially, earlier in XXXX, many items were advertised to have 10 % ~25 % cash back to Amazon XXXX XXXX XXXX XXXX I shopped and paid the bill, but the rewards were forfeit. This is not acceptable!
Consumer complaint received 2020-11-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings (VA)

I have used both Avio Credit and XXXX XXXX in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.