davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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. (GA)

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 XXXXXXXX Account XXXX XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (FL)

I bought a vehicle in 2018 from XXXX XXXX. While driving the vehicle for less than a month we discovered that the vehicle was infested with roaches so we allowed them to pick it up. Im sure this company sold the vehicle to someone else. They have yet to provide paper work that shows what it would for and the balance owed after the sale. It continues to report falsely on my credit report and if like it to be removed. There is no way this is legal to sell someone a car infested with roaches.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IA)

On XX/XX/XXXX I received an email offer related to my Citi/XXXX XXXX XXXX XXXX. The promotion said that if I opened a Citi XXXX XXXX XXXX account and made a deposit into the savings account and left it for a period of time I would earn XXXX XXXX miles. 

The email I received had the terms and conditions in the body of the email, which stated : " ... deposit New to Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn ... bonus miles. '' I chose to deposit {$10000.00} when I opened my account, by clicking the link from the email on XX/XX/XXXX. 

On XX/XX/XXXX I withdrew my {$10000.00} deposit since it had been 60 days since I had made my deposit. Which according to the terms in the email I received should have entitled me to XXXXXXXX XXXX Bonus Miles. I waited several months for to see if the points would post to my account but they never did. 

In XXXX XXXX XXXX I contacted Citi explaining that I thought they had made a mistake in not giving me my award miles. They launched an investigation and that is the first time they sent me a letter stating that the terms of the deal actually were that I had to leave the funds in my account for 90 days. I appealed the decision because no where in the initial terms in the email had it said 90 days, in fact it clearly states 60 days. The appeal listed new terms I had never seen and nowhere was the 60 days reflected as it was in the email, only 90 days was referenced. 

I have appealed this twice more, both times stating that I had a copy of the email that contained the original terms stating that I only needed to leave the funds for 60 days. No one has ever contacted me asking to see the email, they simply restate the letter with the terms I have never seen before that state 90 days. 

I feel like this was a bait and switch on the terms and I am entitled to the miles as I followed the terms as they were outlined in the initial email I signed up on.
Consumer complaint received 2019-03-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

I've had a loan with Ally Auto Loan since XXXX, for XXXX XXXX. I have always paid more than the monthly amount of {$410.00}, except a few payments for months. It's the end of loan and I still owe. My last payment should have been XX/XX/XXXX if I had just paid the monthly payment of {$410.00} each month, however, I didn't. I paid {$450.00}. I feel this loan should have ended in XXXX or XXXX and for some reason I still owe more money and I have a 8.4 % interest rate. 

I'm confused. Why is that happening. I have talked to them and they keep giving the wrong information. I asked for a payment history 3 weeks ago and I have not received. I wanted the history to show how they applied payments. I have all my checks to show I made payments, when and how much. 

I have not received that information as of today, XXXX/XXXX. I have screen shoots on a few payments made in the last few months. I feel like I have gave money away. I was trying to pay it off early, however, that did not work by paying the extra money. 

I would pay extra money each month and it would show I owed less than the monthly {$410.00}, but I still paid {$450.00} or more a month. Help
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Consumer complaint received 2022-03-23
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. (AL)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I have disputed this debt through the credit reporting agency-XXXX. I paid this account in full, and I returned the necessary equipment in working condition. I moved from this location, and was unable to fulfill contract, because this carrier was not able to provide service at new address. The dispute did not provide any results. Thank you for your valued time. 

Kindest Regards, XXXX XXXX XXXX XXXX. 

I C SYSTEMS XXXX # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$590.00} DateUpdated : XX/XX/XXXX Original Amount : {$590.00} Original Creditor : XXXX  XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection<
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (DE)

These inquiries do not belong to me 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

I have received yet another bill from this company after I have repeatedly asked for a signed contract which has NOT been provided. I received a bill from them on XX/XX/2021 and I sent a validation letter on XX/XX/2021 asking yet again for an actually signed contract. Being that they were not able to provide it this collection must be removed.
Consumer complaint received 2019-03-23
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: Credit Karma (NY)

I checked my credit report on Credit Karma and noticed a hard inquiry by : XXXX XXXX, FL XXXX XXXX XXXX XXXX/XXXX The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? Credit Karma says to contact the creditor and the creditor says to contact credit karma and XXXX, its a big circle and no avail. I want this removed from my report. Thanks
Consumer complaint received 2019-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO. (NC)

I recently was made aware of the following after I pulled my credit reports XX/XX/XXXX and realized I had identity theft again I reported it to all credit reporting agencies on XX/XX/XXXX And prior in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After researching to identify my thieves I received some documents from the city. Of XXXX XXXX XXXX clerk XXXX XXXX from the deeds and it had recorded the following loans paid off in XXXX Jpmorgan chase Manhatten loan for XXXX And two loans paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX XXXX And a second loan paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE these loans I have requested certified copies of all of these loans and transaction info Where and who received these loan monies dates Name of their bank The deed to this property was transferred to me in XX/XX/XXXX- via divorce settlement. 
No response from Jpmorgan chase Manhatten Also I believe that there were additional loans thru Jpmorgan chase. Without my consent On my properties at XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (OK)

During a divorce my ex wife totaled her car which was financed with Wells Fargo the car insurance was with Wells Fargo also, the divorce was in XXXX and XXXX in XXXX XXXX  sued and garnished my check stating they owned the debt in XXXX Wells Fargo contacted me to make sure that no other insurance was on the car at time of wreck because they were in the process of filing a claim on the totaled car. 2 separate companies trying to get money for the same debt, who owns the debt and is that not fraud?
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2019 This complaint is for Chase credit card I made a payment to my Chase credit card for {$300.00}, I Called the company to pay the remaining balance around {$800.00} I found out that Chase credit card company cancel the card Then Chase issue me a new card. 
After a few call to Chase credit card department, Chase again cancel me the card More calls about XXXX unresolved, I explain that I made a payment of {$300.00} And to have my card for use, But at that time they cancel the card again I made a payment of {$300.00} company did not comply to have my card back for use Im sending payment receipt for the amount of {$300.00} Chase continued asking to pay balance and I told then many many times that the remaining balance was to be paid, after I found out that they took the {$300.00} dollars but canceled the card They wanted the remaining balance paid and not let me use my credit card See payment to Chase credit card I have maintain a good payment history with chase as I have also bank account with chase for over 20 years I feel Chase has rip me off and has taken advantages I also explain to chase that I had family medical issue and that was the delay but payment where to be made but no positive results took {$300.00} payments and not credit card back
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AL)

XX/XX/22 XXXX CT National Credit Adjustment Called a company provided cell phone, Never used phone for personal usage, would not verify how number was obtained, No debt validation, refused to send letter of debt verification or dispute.
Consumer complaint received 2022-03-23
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. (TX)

in accordance with the Fair Credit Reporting act : XXXX account XXXX XXXX {$560.00}, XXXX XXXX XXXX account XXXX XXXX {$1700.00}, XXXX. XXXX XXXX Account # XXXX {$60.00}, XXXX XXXX XXXX XXXX account # XXXX {$130.00}, Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (LA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00}
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC (MA)

Purchased private sale vehicle in Massachusetts with westlake financial services XXXX XXXX XXXX XXXX XXXX as lien holder. I paid out settlement to XXXX from my bank account and they are not releasing the electronic title or speaking with me. They have taken my money, I have a notarized bill of sale, bank transactions for the settlement payment, a settlement offer from XXXX, a reciept from XXXX but no title, its been almost a month since I paid the loan and they are not releasing the title. I'm supposed to register the vehicle within 10 days of the sale but I can not without a title. I have more documents upon request. Thank you, XXXX
Consumer complaint received 2019-03-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (MN)

Tried to cash my insurance claim checks at XXXX XXXX XXXX and was denied by Certegy. Called Certegy, no reason given so I ordered my Certegy report to see if I had derogatory information on it. Received the report in the mail and there was nothing derogatory. Called Certegy, they had no explanation. I told them I have another check same type, I am going to XXXX, they said they could not find my transactions and to call in if I get denied again. It happened again, I called them and no valid explanation or reason given. This is another sham company that does not know what they are doing. I doubt they have any sophisticated tools or technological knowledge so they just deny checks based on nothing and give no reasoning to the consumers that get denied. This is unfair practice. A reason, score and/or negative information has to be on a report for them to deny, Certegy bases their decisions on propitiatory nothing as they dont have a clue what they are doing or talking about. Nothing will come from this complaint either as usual. It just feels good to vent. Search Certegy complaint and there are thousands more complaint of people getting denied for no reason. Hello Certegy, dont pawn this off on to XXXX either because XXXX makes {$8.00} a check to cash. Close shop you crooks at Certegy.
Consumer complaint received 2022-07-29
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. (PA)

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}
Consumer complaint received 2022-03-23
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: TRANSWORLD SYSTEMS INC (PA)

I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : Transworld systems I Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

After a XXXX search, I realized that " Penn Credit Corporation '' is a scam. They are trying to collect " delinquent parking ticket '' balance for {$42.00} that I know I do not have. It has a service date of 2018XXXX.
Consumer complaint received 2018-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

Two years ago, I was late on my mortgage payment. I made the payment and my check cleared the bank and the mortgage company was paid. My lender, Wells Fargo Mortgage sent me an invoice for the next month 's payment, which I paid. Wells Fargo sent me a check for the mortgage payment saying that they were refusing my payment. I deposited their check into my personal checking account. I received an invoice for my next month 's payment and I paid it just like I had done the previous month. This payment was also returned and I received an invoice for my next payment. As I usually do, I went to a Wells Fargo bank branch and tried to make my mortgage payment. This time the cashier came back and told me that my account was in default and I was in foreclosure and she couldn't accept my payment. I was served with documents stating that Wells Fargo had started the foreclosure process! I ended up pay legal fees and costs plus the payments that Wells Fargo had refused! About 1 month later, I started the process with Wells Fargo to get a HARP modification on my mortgage. The rate is 6.8 % and the current mortgage rates were much lower. After several months and after sending the same documents to Wells Fargo Mortgage many times, my application was denied because " It was not economically justified ''? So I went from " BEING IN FORECLOSURE '' to " MAKING TOO MUCH MONEY FOR A HARP MODIFICATION ''! Wells Fargo Mortgage caused me to have to pay hard earned money to them and fees to the attorneys and the court system. This was totally wrong and resulted in me paying money that was not justified and now showing a " FORECLOSURE '' on my personal credit reports. This resulted in my being denied for a mortgage refinance, cancellation of my credit lines, rejection and interruption of business relationships! Can you help me with this?
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NY)

Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on Equifax Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an Equifax representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX
Consumer complaint received 2022-07-29
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. (GA)

This COMPLAINT is a formal request to remove unauthorized Inquiry from my credit report. I've already sent letter to TRANSUNION to remove this inquiry on XXXX XXXX In accordance with the Fair Credit Reporting Act. I respectfully ask TRANSUNION to investigate my claim and, if after investigation, Bureau find my claim to be valid and accurate. I ask that will immediately delete the unauthorized Inquiry outline above. Furthermore, I ask that send a corrected copy of my credit profile to me.