davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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: JPMORGAN CHASE & CO. (FL)

I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (CA)

I am filing a formal complaint regarding fraudulent accounts being reported on my credit file by Aidvantage, negatively affecting my credit score and financial standing. The accounts in question are : DEPT OF ED/AIDVANTAGE XXXX - Balance {$4100.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$9600.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$2800.00} DEPT OF ED/AIDVANTAGE XXXX - Balance {$5100.00} These accounts are fraudulent and do not reflect any transactions I have authorized. Despite my disputes, these items continue to appear on my credit report, causing significant harm to my credit score.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (AL)

My id was stolen and multiple accounts were opened under my ss # I filed police reports and have sent them in. On or about XX/XX/year> I received a alert from XXXX that my XXXX score had dropped over XXXX points. After checking my credit file I saw that XXXX XXXX XXXX has put a collection notice on my report for non payment. in the amount of {$2600.00}. This is not my account i have started a dispute with XXXX and notified XXXX XXXXXXXX XXXX. I don't know what else to do I would like to have this removed from my credit file. I have all my and my wife 's bills taken out in full automatically from our checking account, we don't have a mortgage and don't carry balances on our credit cards.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit Please delete the items as soon as possible. 

Fraudulent accounts Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$140.00} Date Discovered : XX/XX/XXXX Account Number : XXXX Account Name : XXXX  XXXX When Account Was Open : XX/XX/XXXX Account Balance : {$93.00} Fraudulent XXXX  Inquires Inquiry Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-02-15
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: U.S. BANCORP (OR)

Ordered another credit card for an employee. US Bank opened a new account and used a 10 year old address. Found out the card was turned over to collection over {$160.00} and got it paid and resolved. Was promised this was not reported to the credit reporting and it was. So a couple weeks later when trying to buy a company car US Bank refused to issue the loan and refused to acknowledge their mistake and the fact that XXXX XXXX lied to me about the credit reporting. They then offered me a much higher intrest rate on my car loan claiming it was due to the {$160.00}. issue they created. I have wasted hours and hours of my time and am paying more for the car because of the credit report. US Bank offered me {$75.00} statement credit and that is why I am filing this complaint. They also told me I need to write a letter to get the credit report fixed. I pass a few XXXX dollars a year through their bank between business I own and personal. 
This is who I dealt with last and refused to be helpful beyond {$75.00} XXXX XXXX XXXX XXXX XXXX U.S. Bancorp XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX | XXXX | www.usbank.com
Consumer complaint received 2022-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

I am attempting to work with AidVantage on my federal student loans, and they are ill prepared for the upcoming start of student loans. Furthermore, they are not prepared wit the appropriate legal documentation to explain how XXXX XXXX XXXX consolidated my loans without my approval. These student loans are ITT related, and the company is refusing to work with me. Furthermore, they are claiming they dont have managers on staff, the call center reps are rude, and put people on hold for extended periods of time. Ive been on hold for over an hour to try to talk to supervisor to get things worked out and its a joke. Its no wonder why people dont want to student loans any futher.
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am filing this complaint because my credit application with Capital One was denied due to a lack of credit history from XXXX, XXXX, and XXXX. Although I provided all necessary information, including my Social Security number, I was still denied credit. This decision violates the Equal Credit Opportunity Act ( XXXX ), which prohibits discrimination in credit decisions. Denying my application solely because I do not have a credit report unfairly prevents me from equal access to credit. I am requesting that Capital One reverse the decision or provide compensation for this unfair treatment.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union has been opperating illegally and wrongfully reporting information on my credit report with all three bureaus for over 5 years. I recently submitted disputes via XXXX, XXXX, and XXXX and in a effort to cover up they're wrong doing they updated my past dues of {$8800.00}, {$9700.00}, {$19000.00}. I never received a XXXX for any of those accounts to be current with the IRS. In an attempt to retrieve the XXXX they refused to send me the XXXX and informed me that they can not do that. This level of mistreatment, malpractice, and unfairness have costed me years of missery, ability to provide, and restraint from being in a better place financially. All of my accounts across all bureaus have been updated to reflect in favor of Navy Fedral Credit Union. I am being medically evaluated for permanent mental conditions due to overwhelming anxiety, XXXX for years of financial stress along other mental ailments that I incurred during my combat XXXX to XXXX. Navy Federal have deprived me of the ability to become financially sound and I am afraid that I will not be able to provide for my family due to an overwhelming amout of charged-off accounts I couldn't report due to the XXXX being deprived from me for years.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (SC)

I do not know this debt collector ( spring oak capitol ) they are trying to collect A debt that was identified as fraud and identity theft with A company called XXXX XXXX in the amount XXXX cents. The credit bureau removed this deft for fraud and identity theft in 2015. This company was recently sent A copy of the police report by XXXX yet lied and said they never received A copy.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (IN)

I won a settlement against venmo via XXXX  The very moment venmo paid me the money was taken out of my account fraudulently. I called and I was hung up on 6 times in one day and still was not able to get the dispute process started because as I was on hold they closed customer service. {$2000.00} was the amount they offered me and every dime was taken out right after they paid me. They would not let me add any bank account, use my venmo debit card, or send the money to anyone via the app. I need my {$2000.00} back. I have to pay XXXXe {$400.00} because that was the agreement for the settlement and now I can not pay XXXX  because the money was fraudulently stolen and venmo has done nothing about it. 

{$5000.00} was also fraudulently taken from my bank account that was previously on file and venmo is well aware of this but I have not recieved a dime back regarding this. They owe me {$7000.00} in total. 
I have filed a new claim with XXXX, the XXXX, and now with you. 

I do not have dates as currently I am locked out of my venmo account and everytime I call them they hang up on me. I will call tomorrow again and request help to sign in so I can provide all dates and details.
Consumer complaint received 2018-02-20
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. (KY)

In XX/XX/XXXX, my private student loans, previously serviced by XXXX were charged off. I have been paying under a payment plan, in which I pay them {$250.00} a month at a reduced interest rate. I had my credit report pulled on XX/XX/XXXX and was advised by the loan officer that XXXX has not reported any updates on my credit reports, Equifax, XXXX and XXXX since XX/XX/XXXX. I have attempted to previously resolve this with the Company and it has not been corrected. I call again today on XX/XX/XXXX and kept getting routed to the Collection Agency they routed my loans to for handling, who could not assist me with the XXXX issue. I was provided a phone number that did not work and continued to be re-routed to the collection agency each time I called. 

In addition, the collection agency advised that XXXX only reports on a quarterly basis and they would not report monthly as the account is past due but being paid under a payment plan. The agent this offered me a settlement for one account at a time, which would require a 50 % down payment of the settlement amount, which is not feasible.
Consumer complaint received 2018-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX my son informed me that something was going on with his account - monies taken out and monies coming in and he realized that he had lost his debit card. He was at work so I contacted Chase immediately. Explained that there were charges on XX/XX/XXXX that were not my son 's and reported card missing and asked to freeze account. Filed a complaint report with the bank based on the 3 transactions that occurred on XX/XX/XXXX. Told the bank that the {$200.00} charge was questionable as he did take out {$200.00} but not on the XXXX. As you can see from the attached printout it states the XXXX but it was actually on the XXXX, which my son said he did take out that amount on that date but not on the XXXX. Chase claims someone went thru their automatic system and provided them with enough info to believe it was my son claiming that the {$120.00} my son deposited in cash was {$2000.00}. Chase believed this person and deposited an additional {$1800.00} on the XXXX where someone went to the south side within the hour and withdrew {$1800.00}. My son was at work at this time. Chase refuses to work with the XXXX XXXX. XXXX XXXX XXXX that has contacted them. Also filed a police report. Now Chase went into my personal checking account with my husband and took out {$1900.00} that my son 's account was in arrears due to the fraud that occurred.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc. (AL)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose
Consumer complaint received 2022-02-02
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. (TX)

I am making this report on behalf of myself, the consumer, with no connection to a third party. I have repeatedly tried to contact and resolve this issue with Transunion, itself but I am continually being violated. I have filed an identity theft report on two accounts, one with XXXX, and the other with XXXX XXXX. They have refused to delete this fraudulent information after several attempts by me to remove it. I have sent an affidavit of truth stating the violations they have done against me. They have refused to respond and therefore the affidavit stands as truth in commerce. I am writing this complaint to the CFPB because these companies refuse to comply with my lawful demands.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION (OH)

On XX/XX/2919, I mailed 2 antique oriental rugs to the auction House XXXX XXXX in XXXX Ma . 

These were to be auctioned off on XXXX. and they were. 

Usually they send a check for the proceeds within 30 days but after more then a month when I hadn't received payment, I called XXXX and was told that they had wired the proceeds ( {$1500.00} ) as per my email request. 

I never sent said email request but it was in my name and with my email address. 

They had wired my money to an account # XXXX on XX/XX/2019. 

I tried calling the Branch Bank & Trust in XXXX, NC yesterday to speak to their fraud dept. but was denied access.
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX Chase Bank called me 5 times between the hours of XXXX XXXX and XXXX. Each time I asked them to stop calling. I was informed that it was an automatic dialer and they apologized. I asked to jave my number taken off the call list and to have written correspondence. 
There have been other days where I jave received multiple calls at work and I've asked them not to call me as well.
Consumer complaint received 2023-04-06
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. (FL)

Equifax is horrible Equifax is reporting open balances on several tradelines for 4 consecutive months. They are also reporting a tradeline that is not currently active or being paid for. Ive emailed several time Ive called several times. I got upset at the lack of customer service and I cursed. 

Equifax is refusing to speak to me over the phone, answer my requests via email and when I do call they are rude and hang up the phone They are reporting inaccurate information and refusing to hear me out. Is there any other way to get them to do there Job Its stressful its stoping my business from growing. They are beyond horrible
Consumer complaint received 2020-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has transitioned most of their banking to machines limiting access to a in person customer assistance in their lobby. This has cause customer to contact their main banking services phone number. The waiting to speak to an agent could take 30-45 minutes. At times during the transfer to the right department the calls get dropped. My main concern is that I have a mortgage account that I wish to pay extra towards the principal but with doing this on line or at the automatic machine the system only accepts the monthly payment and any Extra is held for the next month payment. I waited in line for 30 minutes to enter a lobby but the service Dept. Insisting that I need to speak to a mortgage department and they dont have any in their branches. I can only call the main number provided by the bank to speak to a mortgage agent. 
I have visited 2 locations and the results were the same no one has attempted to resolve my issue.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Equifax has somehow deleted my entire credit report and creditors are not able to access my credit. I noticed this back in XXXX XXXX which I placed a call to their customer service department explaining that I could no longer access an updated copy of my credit report. I have important financial transactions that have been declined due to their carelessness handling my credit report. I called now three times and the customer service representatives are saying that they have nothing in the system even after manual attempts to locate my report. Today XXXX states that she can't see anything at all. I am asking to have Equifax regenerate my Equifax credit report.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE SENT LETTERS TO TRANS UNION TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : XXXX XXXX XXXX
Consumer complaint received 2022-11-20
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violeted my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE ALL FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS PER FCRA 605B ( a ).
Consumer complaint received 2022-05-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/2020, I deposited a loan proceeds check from XXXX XXXX XXXX XXXX to pay off my auto loan with USAA. A hold was placed on the check with the 1st {$5000.00} made available. I immediately transferred the 1st $ XXXX to loan to be paid off with the check. 

On XX/XX/2020, I called USAA to see about having the hold released. I explained that the cashiers check from XXXX was for loan proceeds to pay off my USAA loan. I offered to provide my loan agreement as verification, which was not accepted by USAA. I explained that the hold placed on the check was going to result in my being charged additional interest on the loan I was seeking to pay off and that it felt unfair and deceptive. It is very clear that the loan was from a competing institution to refinance a USAA loan. This act clearly benefits USAA by holding guaranteed funds in order to accrue additional interest on a loan that would otherwise be paid off.