davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Ray Skillman Chevrolet Inc (KY)

XX/XX/2019I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  truck from XXXX XXXX XXXX  in XXXX, Indiana. I told them my monthly payment range and found me a truck. I traded in my XXXX XXXX XXXX XXXX  with a loan still owed. They told me they would give me 5k for my XXXX  which I still owed XXXX on. They honored that 5k off the purchase price of the truck which was XXXX. That brought it down to XXXX. Now, after arriving and waiting around for a long time the sales rep that does all paperwork came to me with it all completed. Showing me the good prices but skipping what I found out now to be added charges, but considering the payment was in my monthly cost, I didn’t see them and he didn’t want me too. They added my entire XXXX  loan on to the truck loan to make up that 5k they took off the truck balance. As well as adding an “extended service agreement “ and gap insurance which he said only raised my monthly payment 30 dollars and was needed but never told me the cost. The warranty was XXXX dollars and the gap was XXXX dollars. After all this extra services I now am paying 10,000  more than the truck is worth due to the services not spoken about. This is disheartening and I will never buy from them again.
Consumer complaint received 2019-08-19
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: AES/PHEAA (UT)

I am requesting FED LOAN SERVICES to remove all reporting of any accounts as they have failed to provide the credit bureaus 100% accurate and complete information of the TERMS and balances correctly on the loans each month. They are required to provide as the DATA FURNISHER 100% accurate information to the credit bureaus. I have disputed there accounts on my credit reports because they have been LAZY in providing 100% accurate and complete information under my name. Therefore I am requesting immediate removal of any accounts under my name to any of the major credit bureaus as these are major violations failing to provide 100% accurate and complete information to the credit bureaus.
Consumer complaint received 2022-11-16
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: MOHELA (CA)

I am a victim of ID Theft. I have shown substantial amount of proof that I am a victim and I have never opened accounts with XXXX XXXX XXXX  and XXXX. They will not block these fraudulent accounts. Also all three reporting agencies ( XXXX XXXX, XXXX ) will not block these fraudulent accounts.
Consumer complaint received 2021-05-07
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: EQUIFAX, INC. (NY)

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR UNLAWFULLY OBTAINING MT XXXX AND EQUIFAX CONSUMER REPORTS ON BOTH XX/XX/2020 AND XX/XX/2020 WITHOUT MY AUTORIXATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA. I HAVE MAILED THE FOLLOW LETTER ATTACHED TO YOUR OFFICES VIA USPS CERTIFIED MAIL TRACKING NUMBER XXXX.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KY)

I opened a PayPal business account complete with my and used it in conjunction with my XXXX account. On XX/XX/2022 at XXXX PM PDT I received my first payment via PayPal for a service rendered to a customer through a XXXX XXXX XXXX  The fund were added to my account but placed on hold due to my account being limited. I updated the service to reflect that it was a service and not a product so there would be no shipping. This then let me know that I would receive my funds by XX/XX/XXXX. 
Upon adding my bank account, PayPal let me know that I needed to submit more verification before I could lift a 21 day limitation and actually deposit the funds. The requested verification was a copy of my driver 's license for ownership and to confirm my business details including name, address, phone number, and what my business category was. I filled in the information correctly and had my business listed under services, other services, and filled in the box with full-spectrum doula services. The last time I was able to see the verification screen, it showed that drivers license had been verified and the business information was pending. 
Shortly after that I received 2 emails from PayPal letting me know that there and that my funds would be held for up to 180 days with these Ref ID - XXXX and Ref ID - XXXX. 
I called PayPal to see how to resolve this issue, customer service said they weren't sure why the account was shut down and said they would see if a secondary review would change anything but that would take up to 48 hours and wasn't sure to do anything. I let them know I have all the legal information required as my business is an LLC with its own bank account and EIN, which have also been provided to PayPal. They said I could call them back if no one reached out and they would try the process again.

I have read that other businesses have experienced similar problems and ended up stuck in a loop of waiting for a secondary review which never comes or they are eventually told there's nothing to be done and their accounts will be locked permanently. I would like to have this resolved as soon as possible because I am a small business and not having this money for 6 months is not an option. I have bills to pay and I've done nothing wrong.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (IL)

I previously submitted a complaint in XXXX and Wells Fargo said they could not refund me my annual fee because my credit card doesn't have a fee. This isn't true. My credit card has a {$95.00} annual fee that I want reimbursed to my credit card. They charged me a fee for this XXXXXXXX XXXX XXXX and did not provide the benefits, such as XXXX XXXX XXXX  status, despite having called them many, many times. They only provided the status recently after filing a complaint with CFPB. The entire time I had this credit card I did not have XXXX XXXX which I should have and even though they charged me via an annual fee for this benefit. I want my annual fee refunded back to my credit card otherwise I will move this to the next level and file an investigation with the Office of the Comptroller. Other people have had the same thing happen as well and they seem to not want to rectify it and they still haven't provided status. I can see why they receive an F from the XXXX XXXX XXXX. Seems like unscrupulous banking practices to me.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (HI)

I never wanted to continue to pay for the product of life insurance. I have been paying this since XX/XX/2022. I try to cancel but was never notified if it was canceled or not. 

XXXX amount- {$9100.00} XXXX XXXX XXXX, Tennessee
Consumer complaint received 2023-04-03
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. (CA)

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

XXXX XXXX XXXX - {$140000.00}, XXXXXXXX XXXX XXXX- {$130000.00} Child Support Services XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

We have tried multiple times to fix our problem with this company and they have refused us so many times. One the XXXX of XX/XX/XXXX, our house went for auction and we attended. We called Rushmore while the auction was happening to see if we can delay the auction. They refused to do so. They said that it's too late. There was plenty of time to prevent the auction the morning of, but they would not do so. 

But what's unbelievable, the auction was delayed for a couple of hours and then finally postponed for 1 week. How is this possible, when Rushmore said that there was no time anymore? It's too late, they said! 

We called the trustee about the house and said they that should've have known about this earlier. This means that Rushmore is not communicating with the trustee or no one cares on both ends.

We just finished talking to a lawyer who said she is dealing with Rushmore as I write this and she said that Rushmore is one of the worst companies.

Rushmore has XXXX complaints on XXXX. 

There job is to seek and destroy. Not help. 

They took my sister 's six trial payments and did not give us approval on loan modification because of one missed signature. There was already another signature there.

Just because one signature was missing, you do not dismiss the whole package!

After that, they denied us over and over. Why? 

In the court of law, the judge is going to wonder why we were approved for a trial period and then denied? We made all six payments and then denied because of one signature! The judge is going to ask why? This will not make sense to the judge.

Rushmore says I am not a successor-in-interest, but I am on the will.

I want to know why this is happening and why they are not in communication with the trustee. Why did the the trustee say they were not aware of all this?

When we asked Rushmore for the contact information to the trustee, they would NOT give it to us on the day of the auction.

Rushmore needs to be reported to HUD and California legislation. 

I contacted XXXXXXXX XXXX XXXX XXXX XXXX  before the auction and asked for a postponement, but they still have not responded. 


We will be contacting XXXX again. 

My mother worked hard for this house and passed away in XXXX. Now Rushmore is trying to destroy that by taking it away. 

This company needs to be investigated by government officials.
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (CA)

Sequoia XXXX XXXX listed an alleged debt on my consumer credit report. It is a false representation of an amount owed. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. Where does this alleged debt claimed by Sequoia Concepts Inc fall under UCC 9-110 under Article 2 or 2A?
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NBT BANCORP INC. (NH)

NBT has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an XXXX XXXX, my XXXX XXXX included coverage for the remaining balance of the loan and any other outstanding fees. 

NBT is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my XXXX XXXX was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.
Consumer complaint received 2024-03-19
Product: Credit 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: GOLDMAN SACHS BANK USA (UT)

On XX/XX/year>, XXXX XXXX came to deliver the sectionals. However, the sectionals came without legs and almost a year later I am still not getting the legs from XXXX XXXX due to lost packages ( never got delivered from XXXX ) and due to inventory issue XXXX XXXX is not delivering the legs. 

I filed a dispute with Apple Card where I used to pay for the transactions. They denied the dispute without giving any information why it was denied.
Consumer complaint received 2021-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

I was sent to collection by Synchrony Bank to their collection agency XXXX. The debt was paid to XXXX. XXXX paid XXXX. Synchrony is the agency that provides credit to creditor once approved for XXXX purchases. XXXX sent the money to XXXX. Thus, now Synchrony is stating that XXXX sent the funds to XXXX and I still owe the funds to them. When speaking with all three agencies it was stated to me by several representatives and supervisors that none of the three agencies converse with each other. XXXX and XXXX are not willing to contact Synchrony to inform them that they have received the funds and Synchrony is not willing to contact XXXX or XXXX to confirm that the funds have been received.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOB XXXX. I have attached my DL for proof of ID Please update my address to  XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2021-05-07
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: AMERICAN EXPRESS COMPANY (MA)

Dear customer service representative, I redeemed my membership reward points on amextrave.com on XX/XX/2021 and tried to pay with points when I booked a ticket. However, when I placed the order, I received the confirmation email which stated that Your booking has been charged to your credit card, however, we were unable to process your Pay With Points request due to a system issue. Then I contacted amex customer service to redeem the points for that transaction. As a benefit of the amex business platinum account, I should receive a 35 % points back for that transaction. However, amex denied the 35 % points back without giving any specific reason. 
I chatted online with amex, called the membership rewards team, called the amex travel team for the issue, no one could help me to solve the issue. Furthermore, the membership rewards teams freeze my membership account without any notice. It is ridiculous and disappointing. 

Business platinum account ending in XXXX
Consumer complaint received 2019-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Disputed the inaccuracies of Bank of America on my credit report  on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19 and I've yet to hear back from company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (IL)

I was in the hospital and all of my items were stolen from the locker that I was given with a code. When I went to retrieve my items they were gone. My wallet, social, coat and phone were stolen. I informed the bank and they said that there was no error. There are charges in New Mexico and Texas. How can I make those charges and in the hospital?? They said I did those things. This is fraud! Ive had issues prior with this company and now I know that they steal the customers money. This is proof. This is over {$3000.00}. Please help me!!
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

In accordance to the fair reporting credit act XXXX, EXPERIAN, and XXXX has violated my right. 

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

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give XXXX, EXPERIAN and XXXX no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (FL)

In accordance to the fair reporting credit act XXXX, XXXX, and Equifax has violated my right. 

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

15 U.S.C 1681 SECTION 604A SECTION 2 ; Also states that a consumer reporting agency can not furnish a account without my written instructions. 

I did not give XXXX, XXXX and Equifax no written instructions to add this account to my credit report. XXXX XXXX XXXX ACC XXXX
Consumer complaint received 2021-07-13
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: The Best Service Co.,Inc (CA)

Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :
Consumer complaint received 2023-06-19
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. (TN)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-07
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. (CA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX Bank Usa on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX Bank Usa on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX ( Reported Identity Theft ) 7. Us Sm Bus Admin Oda on 07/01/2020 ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.