davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( this one is also on my XXXX report ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( I 'm not sure what XXXX is )XX/XX/XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
Consumer complaint received 2021-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Im a widow mother of XXXX kids and my husband died XXXX years ago on duty!!! I have information in my emails and also in mail saying that its money for survival families but some how cant reach it!!! Took out a loan for XXXX to go to school and then transferred after a couple months cause its was too much on me! Then decide to do home school! Then I applied For social security for my kids that haveXXXX and XXXX!!! Then I lost my house with everything in it and my identity was stolen so now I jus have unexplained bills transferred transactions and emails spams and so much and cant get back on track
Consumer complaint received 2021-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I submitted a letter regarding erroneous items on my credit report. It has been 46 days and I have not received a response. Section 611 ( a ) stated that failure to investigate these items within 30 days should result in immediate removal. I request to have these items removed promptly or I will take legal action. In addition, my information was also compromised by the Equifax data breach and as a result may have gotten into the hands of the wrong person.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have been banking with bank of AMerica for a while now and i have been receiving direct deposits and my paycheck goes into that account. I received some funds which i needed to withdraw however bank of america placed my account on hold to investigate the transaction. I have no issues with that as it was legitimate and also explained why it was sent. I have cooperated with all their investigations/requests etc which supposedly only takes 3 to 5 business days. Unfortunately while the hold was placed on my account my paycheck was paid in. After the 5th business day i contacted the bank and i was told to wait 30 more days to make matters worse i was told to " make other arrangements ''. How exactly was i suposed to do that? How will i pay my rent? My bills? I explained this to them but they said they can not do anything, asked they just give me the paycheck while they do their investgation but they said whilst its ongoing they are unable to do anything. I have never, in my 10 year credit history, missed a credit card payment, unfortunately due to my account been frozen, i will be inccuring a non-payment report. I am extremely frustrated, worst part is no one is able to give me an answer as to what is going on, when i ask to speak with the department doing the investigation i am told they are an unknown entity that does not have a phone number. Please help before i am evicted amongst several other things
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TN)

We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly. 

In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account. 

I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.
Consumer complaint received 2019-08-12
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: CITIBANK, N.A. (IL)

When I received an invitation and opened a credit card with citi AAadvantage card, they have promised if I spend {$3000.00} within 3 months I will get promotional XXXX miles from AA. 
Now they are not paying my promotional miles saying you had a card with citi and cancelled around 24 months ago. 

They never said that when they invite to apply.I talked several times and no luck.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/2022, I called my loan servicer MOHELA to refund the amount of {$3500.00} I paid on XX/XX/2022. The MOHELA representative said she will submit the full amount refund request for me, and the process XXXX be take about 90 days. From the day I called MOHELA, I never get any message like a request confirmation from them, and there was nothing change in my student loan account too. Therefore, I have no way to track my refund status. I called them again to track my refund status XXXX on XX/XX/2022, but I even not able to reach to them at that time.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: CITIBANK, N.A. (CA)

Costco promotes their Credit card as Visa Signature issued by Citi, all their pictures show that the card is visa Signature and even their brochure show the same. I applied on the credit card and was approved. I received my credit card with the Visa Signature stamp on it. So I started using the Citi credit card having the Visa Signature benefits. After trying to use the benefits, I contacted Visa and to my shock they said that the provided card number is for Visa Traditional and not Visa Signature. So I contacted the bank to tell them that the  visa is issued by an incorrect number. Here I was shocked to get the feedback from the bank that this is a visa traditional card and not a visa signature ( as promoted by Costco and printed on the card by Citi ).

Please I want to file an official complaint against Costco for their misrepresentation of their card and against the bank for providing a fraudulent card which shows Visa Signature while it really is not. I am attaching a copy of the card for your review, the card shows Visa signature while the Bin number is for visa traditional.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AR)

In XXXX of 2022 I got a loan from credit acceptance. They completely gave me a terrible apr rate and I am struggling to budget to even get my sales tax paid. And its almost been half a year. I am paying over XXXX a month and they do not even refinance. it is horrible for a XXXX XXXX XXXX trying to make it in life.
Consumer complaint received 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX, Acct # XXXX, and XXXX XXXX XXXX, Acct # 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 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I previously have submitted 3 disputes regarding the account with the three major credit bureaus going back since XX/XX/XXXX and they all have came back verified. After being unsuccessful I decided to contact the creditor via mail. i mailed a letter to Capital One on XX/XX/XXXX and they received it on XX/XX/XXXX. In the letter I stated that there was an account on my credit report that i did not recognize. I asked them how they verified this account and any original signed documentation that was tying me to this account that they were alleging belonged to me.I received a response from Capital One on XX/XX/XXXX regarding my letter. In the letter they requested in order to research my request that they needed a copy of the letter they sent me, a copy of my credit report, a copy of my original letter sent and the last 4 digits of the account number. I am appalled by the stall tactics that they are using regarding my request. I already sent them a letter with my name an address regarding my request with the partial account number that is listed on my credit report. I will not be giving them my social security number, which they already have because it is being reported on my credit report. It is there job to look into the investigation and provide me what I requested. They have more than enough information to properly look into my request. I have included all correspondents with Capital One and a copy of them reporting on one of my credit reports
Consumer complaint received 2019-08-12
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. (NJ)

I am opening another complaint against TransUnion. I have submitted proof multiple times that an account has been paid in full, but TransUnion states it does not meet criteria, but will not inform me what criteria needs to be met. TransUnion does not look into whether or not something is accurate when it is first added to your credit report, but when solid proof is submitted to prove inaccuracy, they do no correct the errors. The balance in question for XXXX XXXX has been changed from {$1800.00} to {$0.00} and back to {$1800.00} in a 3 day span. Each time my credit score is affected differently. So, once again I am submitting the contract with a PAID IN FULL stamp that was provided to me by XXXX XXXX and I expect the balance to be updated and kept at {$0.00}. When I asked for proof that my account was paid in full this is what XXXX XXXX provided me with and should therefore be acceptable to the credit reporting agency. You will also notice that the CHARGE OFF DATE was XX/XX/XXXX where as the paid off date is XX/XX/XXXX therefore proving yet another inaccuracy in the reporting.
Consumer complaint received 2017-12-19
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.
Consumer complaint received 2022-04-02
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX, Acct # 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

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 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NY)

I took a phone out with XX/XX/XXXX, paid the phone off completely months early and got the phone unlocked. I made sure that I had no balance left. Months laters after receiving no notice I had a collection account from SOUTHWEST CREDIT SYSTEM saying I owed XX/XX/XXXX {$85.00}. I called XXXX and they said I did pay off the phone and got it unlocked but I had another bill of {$85.00} due because I wasn't charge for last month when I paid the phone off and got it unlocked. The rep I spoke with when I paid the phone off never told me this but anyway I paid it and they said the collection would be removed and it still has not been removed.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN to credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2019-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Hello, I am contacting you regards IC Systems who has been sending me statements under XXXX and who has falsely placed an XXXX collections on my reports that I have never owed in my life. I have been with XXXX XXXX since XXXX and they are stating that this account was opened XXXX of XXXX. I do not own nor have I opened any new cellular accounts.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TRANSUNION IS REPORTING A LATE PAYMENT FOR MY AUTO LOAN WITH XXXX XXXX FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT TRANSIOUN
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NC)

I sent a debt validation letter in XX/XX/2019. I received a response in XX/XX/2019. The amount reflecting was updated from $ 200+ and reduced to {$150.00}. I in turn sent a letter requesting the debt be removed from my credit report in XXXX and I havent received a response. I did speak with someone at Wells Fargo and I was told the debt had surpassed the statute of limitations and no longer collectible. I was informed that I should receive a 1099-C for the debt. I have not received this document yet. We are in the process of trying to purchase a home and this debt is hindering me from repairing my credit. If I cant pay the debt, I need it to reflect closed and paid or settle or what may have you.
Consumer complaint received 2022-04-02
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-09
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. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2019-08-12
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: Advanced Resolution Services Inc. (IL)

I am having a problem with Advanced Resolution Services INC. they will not provided me proof of verification of a Bankruptcy Chapter XXXX on my public records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on my credit report. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of the accounts on my public records. I have enclosed a copy of the method of verification letter that was sent to Advanced Resolution Services Inc. as well as a letter from the Illinois Federal Bankruptcy Court stating they do not give any information to any third party Advanced Resolution Services INC. Also my Social Security Number is not listed as well as my address is incorrect.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (SC)

Navient is showing 11 late school loan payments but I have been on deferment and income based repayment plan for five years. No payment due until XX/XX/2022, yet late payments are shown.