davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: RLB Texas Auto Center LLC (TX)

I bought a car on XX/XX/2019 just over 2 weeks ago with {$1000.00} down and {$500.00} deferred. They did not disclose that there was a GPS tracking/disabling device on the vehicle. They started out telling to just get my insurance as soon as possible then the very first Tuesday or Wednesday they already disabled the vehicle saying that I was supposed to have my insurance within 24 hours, if I would have known it was 24 hours I would not have tried to wait until payday on the following Friday, I would have done my insurance immediately. Then come Saturday the XX/XX/XXXX they have disabled my car again because I paid {$300.00} of the {$500.00} deferred amount that was due that day. Then I lost a contact that couldnt be replaced over the weekend because ai did not even have access to my prescription over the weekend. I did not order glasses at the time because XXXX XXXX could not connect with my government XXXX/XXXX XXXX and were trying to charge me too much money. Anyway when I paid the {$300.00} one of the sales people at Texas Auto Center assisted me in making the {$300.00} payment in their payment ATM and I said I would pay the rest as soon as I made it with XXXX and XXXX, he did not argue or say anything at the time. Then Monday morning at the optometrist they start harassing phone calls and disabled the vehicle. The period of time the {$200.00} was late and the disabling of my vehicle is absolutely ridiculous and the harassing phone calls starting the very next business day is very extreme! Texas Auto Center in XXXX XXXX, TX needs to extend that period of time before they start harassing their customers and disabling their vehicle to allow for a more fair period of time and give honest customers a chance to make things right. They constantly lie and give their customers the run around. I have been reading their customer complaints and reviews on the XXXX XXXX XXXX website and have since come to the conclusion that their business practices are highly shady and their consumers need protection from these sharks that most of them do not know where to solicit.
Consumer complaint received 2019-08-13
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. (MO)

I mailed letters to both XXXX, XXXX, and Transunion asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION (FL)

Dear Sir Madam : I'm currently separated from my wife who maliciously destroyed all mail I had been receiving at our home address. During XX/XX/XXXX -XX/XX/XXXX I had 5 accounts and credit cards fraudulently open online at BB & T Bank in my name. 
I managed to get a police complaint number but no one seem to be able to investigate the person I believe is responsible for the fraudulent activity. 
The mother of my XXXX children ( other person ) is solely responsible for this activity. 
She charged XXXX on one account and paid her student loan for XXXX dollars. She also attempted to withdraw XXXX from some other bank she opened online by forging my signature. I have a few statements in my posetion to prove specific dates when fraud occur.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" FedLoan Servicing '' added late payments to my account that was false even added an extra month of late payments. 
XXXX assumed this role without permission not only that they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. 
XXXX did not exercise grave responsibility, they were unfair, they were partial. 
Im taken the liberty to file a CFPB report and an attorney general 's complaint. 
XXXX never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( FedLoan servicing added late payments to my account that was false even added an extra month of late payments )
Consumer complaint received 2019-08-13
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: EQUIFAX, INC. (MO)

I mailed letters to both XXXX, Equifax, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Consumer complaint received 2021-02-03
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)

I've been trying to get fraud accounts investigated and removed from my credit report since XX/XX/XXXX. The bureaus have been non-responsive each time. I have proof from USPS certified mail tracking that the letters were delivered and signed for and yet the bureaus have ignored my requests. Per USPS, the letters were delivered on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Not only are the accounts still showing on my report, they are not even under investigation. I have received no letters regarding the status of my requests either. This will be my last option before I escalate this matter through the legal channels. I have been patient through this process but the bureaus seem complacent enough to violate my rights under the FCRA and the federal law, and they can answer for these violations to the court themselves.
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: American First Finance, Inc. (FL)

American first finance took out XXXX from one bank account of mine with permission on XX/XX/2019 then same date took out XXXX without permission from my XXXX  XXXX XXXX account Ive called multiple times on XX/XX/2019 and everyday until XX/XX/2019 spoke to managers and supervisors all assuring me that the XXXX $ unauthorized payment would be placed back in Monday XX/XX/2019 and XX/XX/2019 which never happened I never authorized direct take out Please help me as this happens to a lot of the customers of American first finance and nothing is ever done Ive reported them to the better business bureau and wrote the corporate office with no response
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: CITIBANK, N.A. (GA)

I had 3 purchases from a 3rd party on my citi card. I called citi to dispute and they took off and today I noticed 2 charges were added back on. I called in and was advised that citi returned the charges back to me because they said the purchase was in my name. I never purchased with third party and I use to like this card but now I will be paying off balance and closing account. Citi clearly doesnt support their customers. How you took off charges of all 3 and then only added back 2?? And say Im responsible for charges??
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: EQUIFAX, INC. (OH)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2020-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was shopping on XXXX on XXXX XXXX and came across this XXXX XXXX bag. in the description advertising a XXXX XXXX XXXX XXXX it states, " 100 % authentic. Smoke and pet free home. DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS. Amazing bag, amazing Condition! Same day shipping. Txt for more info XXXX. '' So I reached out to the perpetrator, regarding the bag. I made an offer for {$670.00}. She accepted. I sent her my fund by way of XXXX through Bank of America. I provided her my address. My bag never came. I contacted her and never received a response. However, she would post the same bag and message on XXXX. When my bag did not arrive Saturday, I called my bank XXXX XXXX and notified them. I then filed a police report on XX/XX/XXXX. I received correspondence today XX/XX/XXXX from my bank stating they denied my claim. I would also like to mention that the perpetrator created different usernames daily. In my pictures below you will notice 2 different usernames, but they both are the same person. I am to track this person down by being very specific in my searches. In XXXX  I will search the phone number ( XXXX ) OR I will search " DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS ''
Consumer complaint received 2018-12-08
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) (NV)

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent chexsystem a copy of my ID Theft police report.

These two accounts are listed on my chexsystem report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
Consumer complaint received 2019-06-07
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. (OR)

On XX/XX/XXXX I filed a dispute with Equifax. On XX/XX/XXXX I tried to access the online information through the Equifax website. I was presented with security questions that did not apply to me. All of the questions asked about loans or debt I have no knowledge of. I answered " N/A '' to the questions. I was presented with a message that says I was blocked from viewing the information and had to call Equifax to confirm my identity. 

I called Equifax and a customer service representative named XXXX told me there was no way for me to access an online copy of the dispute. They told me my only option was to have the dispute mailed to me in 7-10 business days. 

I submitted my dispute to Equifax online, in. Equifax has the resources to make the information in my dispute available to me for my review. They refused to give me access to the dispute. 

In their privacy document they state : " We have built our reputation on our commitment to deliver reliable information to our customers ( both businesses and consumers ) '' This is a sham. Their service is not reliable. They couldn't even get me online access to a dispute I submitted to them yesterday even though their terms of service say everything must be available online. They push consumers around and beat around the bush when consumers need access to their information. 

In their terms of service they state : " Our Products are internet-based and in order to access Our Products You must have : an internet browser '' But I am not able to access their dispute center online to view my information and they refused to give me access to do this. 

In the FCRA page they state : " You have the right to know what is in your file. '' They denied me my right to have online access to a dispute about my file. They insisted that they mail me a copy of the dispute, but mail is not reliable. This is why I use the internet. A multibillion dollar corporation should be able to figure out how to give consumers online access to their information. Especially if their terms of service require an internet connection and explicitly state the information will be available online. 

On the dispute web page they say I will be able to see the " status of the dispute any time '' but I was not able to view the status and they refused to give me access to my account to view the status. 


The Equifax dispute ID is XXXX. 

FCRA page : https : //www.equifax.com/privacy/fcra/ Privacy Notice Page : https : //www.equifax.com/privacy/ https : //www.equifax.com/privacy/equifax-personal-products/ Dispute web page : https : //www.equifax.com/personal/disputes/
Consumer complaint received 2019-08-13
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: AMERICAN EXPRESS COMPANY (PA)

I reviewed my personal credit report ( s ) online in XX/XX/XXXX and saw where AMEX reported to credit bureaus XXXX and XXXX that I owed them {$13000.00}. I then spoke to AMEX on the phone to clear the matter up to no avail. I gave them my name, social security number, and the partial account number listed on credit reports and was told that there was no error. I reiterated to them that the amount owed was not my debt and that they should close the account and remove this delinquent status from my credit report.

Since speaking with AMEX, I continued to monitor my credit report ( s ) and then decided to put my dispute with them in writing via certified mail on XX/XX/XXXX. During this time the amount owed grew to {$14000.00}. I requested validation, that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I further requested that if they could not validate the debt, they must have all credit reporting agencies delete the entry.

AMEX responded on XX/XX/XXXX where they listed the account identifier ( account number ) as XXXX  and stated that my return address does not match the address in their records and that they needed additional information to respond to my request.

After reviewing my credit report ( s ) for XX/XX/XXXX, I noticed a comment under the AMEX entry that stated, Account closed at consumer 's request and dispute investigation completed ; consumer disagrees. I wrote to AMEX again on XX/XX/XXXX asking for evidence as well as the name, address, and telephone number of each person who personally verified the alleged account so I could inquire about the process since they failed to present any proof bearing my signature.

I received no response to date, and they have since reported that I owe {$14000.00}. The Payment History for this account starts at the month of XX/XX/XXXX and is marked C for collection. No other payment history is listed before XX/XX/XXXX although the report states that the account was opened in XX/XX/XXXX and the highest balance at one point was {$26000.00}. Prior to XX/XX/XXXX, AMEX was never listed as an account on any of my credit reports. I am now suffering hardship in obtaining credit due to negative credit reporting and a significant decrease in my FICO scores. I have sent dispute letters to XXXX  and XXXX as well on XX/XX/XXXX and XX/XX/XXXX to no avail.
Consumer complaint received 2019-08-13
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. (NY)

the disputed amount is {$1000.00} charged to my account from XXXX XXXX XXXX XXXX XXXX, NY and the date of the charge is XX/XX/2019. I live in Florida and my daughter lives in a XXXX XXXX in New York. On previous occasions I had to use XXXX  to repair my daughter 's power XXXX. On each occasion, XXXX would send and invoice detailing the repairs, a list of parts needed. They would send a document via email for me to sign authorizing repairs, and a document requiring me to PREPAY for the parts in advance before they would send out a serviceman to do the repairs. On two occasions I signed the document via e mail gave my credit card to PREPAY for the parts and authorized repairs. On this date. I refused to sign or PREPAY for any parts and did not authorize any repairs. I instructed the care facility that XXXX wasnt allowed to do any more repairs and I proceeded to hire someone else to do the repairs. XXXX  performed no services no parts but billed my credit card. I immediately informed citibank who reversed the charges pending investigation. Twice Citibank reversed the charges, put them back on my bill and closed the investigation ... ..without ever talking to me. Each time I renewed the complaint and citi reopened it. Finally I got correspondence from Citibank where XXXX submitted an invoice I had allready paid to citicard as proof of sale. The numbers on invoice didnt even match the the new invoice nor did the dates and the invoice was paid to citicard previosly. I submitted to citibank the unsigned email asking for permission to sign card everything Ignored by citibank I even spoke to a customer service rep that told me that once I give XXXX  my credit card number they, XXXX can use it whenever. I could not believe she said that so I asked for her supervisor who gave me this contact to make a complaint. XXXX XXXX is sneaky ... using previous information for a credit card to put charges on my card without authorization..and citicard allows them to do it. I recieved no services or parts and did not authorize this charge ... Citi card is totally ignoring all my documentation and all I get is if you dont pay it will be reported to credit agency and ruin your credit ... .and XXXX  has submitted no current invoices or any signed or verbal authorization.. I am frustrated
Consumer complaint received 2024-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I was advised by my previous student loan facilitator to consolidate my loans for complete student loan forgiveness. I filled out the paperwork it's been in review since XX/XX/2023 on the student loan forgiveness aid government whatever website eventually it went to MOHELA and now it's in forbearance and I'm accruing interest. I am not happy. I don't know what is going on. I would never have consolidated my loans if this is what was going to happen I was trying to find out about student loan forgiveness. I have been paying on these loans since the early 90s what's going on now? I owe more and it's showing on my credit report.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

I made contact with IDEAL COLLECTION SERVI XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX with CERTIFIED MAIL # XXXX XXXX XXXX XXXX on or about XXXX with the company in regards to the so called debt. I forwarded them information that was requested from them which provided identification. 
I also mailed them my copy of identity theft report showing that my information was stolen. I also sent them affidavit of fact which was notaries. I also requested that they mailed me any proof. I never receive any correspondent form them. I ' m trying to achieve the American Dream purchasing a house however, this collection account which is not my is hindering me form achieving that Dream.
Consumer complaint received 2021-02-03
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: U.S. BANCORP (CO)

Received phone call from XXXX at Elan Financial Services ( XXXX ) on XX/XX/2021 at XXXX XXXX XXXX. She left a message that was unclear but provided a phone number and that she represented XXXX. She was called at XXXX : XXXX XXXX XXXX on XX/XX/2021 to understand what was required, Her response was that in order to complete the chargeback claim, XXXX XXXX XXXX would require a third party independent verification letter on my expense about the condition of the vehicle despite the open XXXX XXXX XXXX XXXX XXXX # XXXX and report to the federal auto division provided in prior CFPB complaint XXXX. 

The vehicle has been repaired and there is no party who can review it now in favor of what XXXX is requesting. XXXX was sent paper copy of all bills with all notes and receipts regarding this transaction item as proof and defense. All they have to do is execute a charge back like all other credit card companies. XXXX was sincerely not interested in her duties in seemed on the phone and did not view any documents supporting the claim prior to the conversation. I will not tolerate XXXX more disgruntled bank worker at XXXX XXXX XXXX who is unwilling to do their job and represent their client card holder.