davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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: BMW Financial Services NA, LLC (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA XXXX XXXX. XXXX, all unverified accounts XXXX be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose. 

( a ) Accuracy and fairness of credit reporting. 

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I know they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under the rights FCRA, My rights have been violated by the 3 credit bureaus. XXXX, TransUnion, XXXX. For the past year now 2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XXXX of 2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XXXX 2019 XXXX, TranUnion, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (CO)

I was looking for a car to replace my elderly mothers death trap of a car for her birthday. I applied for a pre-approval of {$20000.00} on Navy federal credit union. I have excellent credit, XXXX and on XXXX. My only income is from veterans disability, which is more than adequate to pay all my obligations. I got the approval on XX/XX/2022, I immediately drove XXXX miles one way to the closest branch to get the check. Check in hand I find a used car on XXXX for {$14000.00}, I get the VIN and do a XXXX value check. The price came out to match, so I made an offer, did all the paperwork and scheduled a delivery for XXXX  XXXX XX/XX/2022. The whole cost was way below my {$20000.00} cap. 
Delivery day and its XXXX pm, I call to ask wheres the car? They gave me the runaround after calling 20 different people, only to find out that navy federal had denied the check. I call navy federal and they denied it because they said the value to price was below because they didnt use KBB they used XXXX XXXX which said it was thousands cheaper, it was for my protection, not that getting blindsided emotionally distressed and nearly put into a blind rage because they felt this was a bad deal and didnt have the ethics to let me know that because they chose a different guidebook and used it as absolute, over doing an average and honoring the approval check. I now have to use the XXXX finance with higher interest, and jump through all the hoops along with the embarrassing ordeal of having to go through the process all over, the time wasted, sleep deprivation caused by such cowardly disgusting disrespectful conduct! They literally made my XXXX and XXXX XXXX skyrocket in just seconds. Its traumatizing on its own! 

By only using the lowest guidebook as absolute instead of doing an average of the three, literally makes getting a used car absolutely impossible! These are price guides not absolute price books. This whole interaction was unethical and absolutely unprofessional.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CL Holdings LLC (MA)

about 2017 I lost my wallet so I canceled and I really order a new license in the process. I called the credit and I put a freight in there right now. There is items that are down XXXX. I am tired of telling them over and over that XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and XXXX address in XXXX where fraud I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Theyre injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a I have only lived in XXXX my first address is XXXX XXXX XXXX in XXXX my second address in XXXX XXXX I am tired of telling them that these items are fraud on top of that. Their injuries that I will never put in. I reported it and they cant do nothing about it. This is ridiculous. Ive had a XXXX XXXX since 2017 why they still allowing people to touch my stuff.
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (MA)

Hi, I didn't receive any bill or collection from this company and suddenly they put it on my credit report, as a result of this, i had to pay the collection company the money i owed, {$9.00}. Also notified them i didn't get a call or letter. 
The name of the collection is Sequium Asset Solutions LLC Account was Opened XX/XX/2021 Account closed XX/XX/2021 2021
Consumer complaint received 2023-02-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and the listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-28
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)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22, I called the telephone number on the back of my debit card. It was brought to my attention I have auto pay setup from my checking account to pay my Wells Fargo credit card, however, a supervisor indicated there is an exception to my autopay. In the event my credit card balance is less than XXXX, autopay will not work and I would have to manually make payment. This defeats the purpose of autopay. I want auto pay setup to cover any and all minimum payments to my credit card regardless of the credit card balance. This is an unfair business practice. I am considering filing a legal action against Wells Fargo. I am maintaining a careful record of my communications with you for the purposes of filing a complaint with my Attorney Generals office, Office of the Comptroller and FTC and FDIC, should you not resolve this issue.
Consumer complaint received 2018-02-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Financial, Inc. (NC)

This debt is placed in collections on my credit report under XXXX XXXX, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX   and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-06-07
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. (NY)

I have sent my FTC identity theft report by mail which they claim they never received are reporting fraud accounts which are listed in that report and they were supposed to remove this and the hard inquiries their giving me a hard time to get this done I dont underdtand their problem its not fair and the my Equifax is not working again its saying no file found horrible experience
Consumer complaint received 2021-11-09
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: CITIBANK, N.A. (PA)

XX/XX/2021 On XX/XX/2021 I sent a letter through email to CITIBank. The email is below. There has been zero communication with me that this is being investigated. According to the Federal Trade Commission The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. This has not happened. CITI has sent me NOTHING regarding the investigation. CITI is breaking the Fair Credit Billing Act. I will be filing a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I expect these charges to be off of my account. 


XX/XX/2021 Dear Sir or Madam : I am writing to inform you about the fraudulent/scam charges on my Citi Credit Cards XXXX I am requesting that all charges be taken off my account that are related to XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. I also requested that this company exclude me from their services, and they did not. These things are against the law! There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you or the company doesnt plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. You can also close the credit cards if you or the company doesnt plan to cooperate. I can not pay this amount of money and I will not pay it. If you dont reverse the charges, you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I am sincerely disappointed and surprised that CITI lets this company use your services. Thank you for your assistance.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.
Consumer complaint received 2018-12-04
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: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I have attached a copy of my ID and SS card.
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX  ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2021 I received a letter in the mail ( dated XX/XX/XXXX ) from Chase : Weve decided to close you accounts. 

No explanation was given and I have until XX/XX/XXXX to withdraw all my funds. 

Ive been banking with Chase for over 4 years. I have a personal account, a business account and a savings account, as well as two credit cards ( one personal and one business ). 

Ive never had a payment or check bounced or returned. Ive always paid ahead of time. I maintain a positive balance at all time, never going into over draft. I have hundreds of thousands of dollars in my savings account. 

I have two mortgages which are always paid paid on time, never ever late. 

Never had a complaint or issue with the bank. 

My main business is buying and holding real estate in the U.S., and Ive stated that in all questionnaires. 

The only thing I can think of is that I currently live abroad in XXXX, but I have many friends and family who live in XXXX and have been banking with Chase for years. 

Ive spoken with my bank manager and he has no idea why this could have happened. 

Im extremely surprised and disappointed.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

I had a load with Netcredit. I was overdue for XX/XX/XXXX installment by partial amount by {$220.00}. I paid that along with current installment for XX/XX/XXXX on on XX/XX/XXXX. In worst case i was 17 days overdue for {$220.00} as of XX/XX/XXXX. But Net credit immediately reported that as 30 days overdue for XX/XX/XXXX payment which is current month. I had 5 years and 10 months continuous streak zero missed payments in my credit report for 23 plus accounts with FICO credit score in upper Fair zone. With this falsified information the credit score went down to poor region. For my job scenario there is a background check going on. It failed as i had poor score ( Minimum they expect is fair ). I called netcredit and they ask me to send the credit report page. I sent the page for whatever they have reported. Then i called multiple times. They request for credit score page. I sent the experian extract for day before they report and day they reported which showed clearly the score went down because of them. I also called the customer support and confirmed they have all information to proceed with tier analysis. I also informed them the importance as this hurts my profession. after nearly 7 calls in 3 days when i called yesterday they said they are waiting for 90 plus page XXXX report ( full ). I don't know why they need it. Then i sent the full report both for the day before they reported and report for the say they reported with only their wrong information reported impacted. I was told i will get a response in one hour. When i called after a couple of hours later it is closed. When i called today morning first they mentioned it is different department working on that, they spoke to their manager and i will get a response before EOD. I sent a reminder in noon as i am desperate. When i called in evening they started again from zeroth call. They told it will take 7 days and all the 10 plus calls i made people provided me wrong information. When i asked how come some one says particularly i am running in minutes the representative says i am cursing them when i asked why it was misinformed. Then i asked can speak their manager i got blunt response they are not there. Literally the customer support specialist says it is your problem and not their liabilities. Worst thing is i paid nearly 35 installments for them and paid nearly more than 200 % of the principal. Never missed a payment by 30 days. And this is the response i get we report anything that is your problem.
Consumer complaint received 2020-01-23
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. (MI)

XXXX XXXX -credit card was changed off in XXXX of XXXX ; the account was there in the company XXXX filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then XXXX XXXX XXXX and should not be on my file.