davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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: BMW Financial Services NA, LLC (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE SUBMITTED ALL MY NOTARIZED DOCUMENTS TO BMW FINANCIAL SERVICES AND TO XXXX. I AM CONSUMER WHO IS A VICTIM OF AN IDENTITY THEFT, I HAVE NEVER REQUESTED OR WANTED TO BUY A CAR FROM BMW FINANCIAL SERVICES. I HAVE NEVER DRIVEN A BMW, THIS ACCOUNT IS NOT MINE, IT WAS NEVER MINE.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (CT)

On XX/XX/2018 I receive a phone call from XXXX @ approximately XXXX XXXX  eastern time I was misled collector refused to identify the company. I ask who was calling the collector refused to  answer he just kept asking me to verify my last 4 numbers of my social so I refused. I ask what was the call pertaining to, his reply just verify the last 4 numbers to your social, I refused to answer once again he took me out of character that I started cursing at him and he hung. I wasn't even read the mini Miranda that they so call suppose to do when a debtor answers.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I had a chase bank account ending in XXXX that is in the process of closing. The account is closing because I wrote XXXX checks from my XXXX account to my Chase account in hopes of making Chase my new bank upon doing so they took so long to clear the check that my XXXX closed and the checks bounced. The funds were not returned back to XXXX, nor was I given substitution checks. They were pending for a total of {$6000.00} and then they close the account and told me that they sent the checks back because they were not paid upon checking with XXXX. They informed me that the funds were paid and that the account was closed so it was not be able to be returned there was also XXXX checks for {$1300.00} and $ XXXXthe other XXXX {$530.00}, which were unrelated and valid checks. Because of suspicion Chase said they sent the checks back but the {$2900.00} was a certified check from XXXX that I did not receive back or a substitute check. The other XXXX are still being held in suspension until they can verify the maker it has been over a month. There have been no issues reported with any of these checks and their suspicions are unjustified as well as they are illegally holding my funds. I would like to have the money which is held in suspension immediately released to me, as well as the check for {$2900.00} in total I would like my. {$6400.00} Returned, and either XXXX check or the funds and suspension as well as the subsequent checks to XXXX my accurate amount.
Consumer complaint received 2022-01-14
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NC)

Previously a victim of identity theft, as a result account with Discover Financial Services was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, Discover is still pursuing this.
Consumer complaint received 2022-07-18
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. (VA)

In accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX  account number ending in # XXXX, XXXX XXXX account number starting XXXX and XXXX XXXX  XXXX account number starting with ending in # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-03-08
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

- Failure to deliver offered 'services ' - autopay - to all customers - Policy to not automate use of rewards points to pay outstanding balances - Suspicion that they are intentionally complicating payment to drive up late fee revenue This is in regards to a Bank of America credit card. I tend to pay credit card balances in full on receipt. I usually set this up to happen automatically, either through the credit card company or by having the bill come to my online bank. I had been doing this with BOA until the last couple of years. Then this capability ceased to work. I could not get BoA to work through my bank or for them to do autopay. After repeated calls to get it fixed ( they were never very helpful ) I gave up. As a consequence I tended to use the card infrequently. Without the automated help, I've been occasionally late. When I notice, I then pay in full. They then still charge late fees ( {$28.00} ) when I have more than that in rewards points. Their policy of course is that I have to manually apply rewards points to the outstanding balance. 

I believe BOA is intentionally making it difficult for people ( at least me ) to stay current with my account in order to incur late fees. This could be a technique applied to people that try to pay in full. 

I have closed my account, but wish to make an issue of this. I contacted BOA and asked how to make a complaint to them - they declined to allow me to make a complaint or to send me the dialog of the chat session. The chat session was today ( XX/XX/2018 ).
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
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 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NE)

XXXX Comenity website is suffering an outage. I have been trying to make a payment these past couple of days, but the website is not letting anyone login. I called customer service several times, and was directed to call back at a later time. Their automated message states the online payment center is available to be used, but its not. Their solution from the automated customer service states to use the easy pay option, but I need my account number. I dont have statements because I chose online statements, that I cant access due to the outage. all the stores located in my state are closed. I am unable to make an in person payment because there isnt a store. Unable to pay online due to their outage. Unable to pay on the phone, because its all automated and no representatives. Now Im going to encounter a late fee for their problem.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I received an SMS message from Huntington that there was a suspicious transaction on my debit card. I immediately called Huntington and confirmed the transactions were not initiated by me and I was unaware of them. My card was closed a new card was ordered. Within 5 minutes, I received a call back from Huntington to confirm the new debit card order. I decided that I didn't want to get another card. I was told that in order to cancel the card, I had to type in a confirmation code, which they had provided to me. I assumed that was the end of my problem. However, a few minutes later, I looked at my account and saw that {$840.00} had been taken out of my account via XXXX. I don't even have XXXX and if Huntington provides this product as a service, they did not do me any service by just allowing it to be on my account. I have never used XXXX in my life. But someone sent {$840.00} from my account to an account at XXXX bank. When I called Huntington back immediately, I was told that the XXXX account belongs to someone name XXXX XXXX ( whom I do not know ). They said the Huntington XXXX account had my name on it, but someone else 's phone number. That phone number is XXXX. According to XXXX, area code XXXX is in Alabama. I live in Ohio. I have no idea who's phone number that is or how or WHY Huntington allowed someone to set XXXX up with a phone number that doesn't match my records. 
I filed a dispute with Huntington immediately because I did not and have never authorized anyone to send a XXXX transaction from my account. I did not and have never sent a XXXX transaction myself either. Imagine my surprise when I received a letter in the mail that Huntington denied my dispute and said " this is a valid transaction ''. How on earth could this be a valid transaction? I did not authorize this.
Consumer complaint received 2023-08-05
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. (AR)

I am writing to file a complaint regarding inaccurate items on my credit report that are still reported in despite of my previous request and kindly request your assistance in getting them to delete. The inaccurate items are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. I would highly appreciate if you assist me to removed these fraudulent items : XXXX XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$27000.00} ; XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (NY)

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

2. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.XXXX XXXX  Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for XXXX XXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills. 

There are also several inquiries, I have not applied for any new credit in the last 4 years.
Consumer complaint received 2020-05-29
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: Mercedes Benz Financial Services (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On the morning of XX/XX/2024, I received my income tax return into my capital one 360 account, not even a week later my account was restricted and none of my funds were available for withdrawals. Capital one never tried to reach out to me despite having my email and number. My account was reviewed and they made a final decision to close both accounts in the spand of 4 days. I was not offered to be transferred my funds and I am also not able to access them in branch as I was told. I stressed to the operator that I am trying to move along with my XXXX kids and she was nothing but rude and mean to me and my daughter when we expressed concern about our accounts and the situation. We are highly upset and are still without our funds from Capital One. My son also receives social security benefits into my account which has never has issues before. Once we contacted Capital one we werent able to get any type of information as to WHY the account was closed besides irregular activity. It is now XX/XX/2024 and I still dont have a check or access to my funds.
Consumer complaint received 2024-03-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received an Amex gift card in the amount of {$700.00} as a XXXX bonus from my job. I received the gift card electronically on XX/XX/23 and Ive been saving it since. I have some big purchases Ive wanted to make recently and in each and every iteration my card has been declined. I went to the Amex gift card FAQ website and called their alleged helpline but the suggestions were utterly unhelpful and the phone line only contained pre-recorded information. They suggested I make sure I have the balance on the card ( I havent used a dime ), make sure it was activated ( it is according to their website ), and to make sure to use the XXXX. Every purchase Ive tried to make has included the XXXX and its still been rejected every time. A few examples of what Ive tried to purchase with this card : XXXX reservations, clothes from online retailers, train tickets ( online ), tickets to events ( online ). The card was declined every time. Amex says it has implemented new security measures, but whatever theyve done has made the card functionally unusable. XXXX XXXX XXXX  is a lot of money to be losing due to Amexs incompetence and I would like to find a resolution.
Consumer complaint received 2024-03-04
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (AZ)

I was injured on my job and have not began to receive any benefits. It's been over a year since the injury. 
I have heard about predatory lending payday loans. Since I wasn't trying to get a payday loan, and I thought that Title Max and other companies who are predatory lenders weren't the same. I obtained the loan to take care of my needs while waiting for the workers compensation to start payments. I have borrowed up to {$8000.00}. My total income is {$2100.00} from social security and military retirement. My mortgage is {$1100.00} and the repayment on the loan is {$800.00}. I have an attorney who has requested the name and phone number for Title Max and they refuse to provide. I'm told to provide them with my attorney 's information and they would be in contact. Thay failed to contact my attorney. I am XXXX and can't afford to lose my car or my home.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX XXXX is showing a credit acrd as still deliquent and having late payments. I have been in a payment plan and the account will be paid off in XXXX. This is not reflected in my credit reports.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I have been making payments on my husband 's account for the past few months getting his account paid off. When it came down the the VERY LAST PAYMENT, my account was charged XXXX more than what it was supposed to be charged and the payoff was n't even that much. 
I called on Tuesday, XXXX XXXX at XXXX and spoke with a representative for 15 minutes and 27 seconds ( per my XXXX records ) and made sure the payment to come out on Thursday, XXXX XXXX was for {$550.00}. This morning, I checked my account and it was a payment pending for {$780.00}. I called and was on the phone with representatives back an forth for 2 hours and 43 minutes. I had asked for a supervisor, and was put on hold. I asked for the AVP, and was hung up on. My husband was on the phone with me and he even called from his work phone, only to be on hold for over an hour with them only to be given wrong information and NO RESOLUTION to the issue. All I wanted was MY MONEY BACK. I missed 2 hours of work this morning trying to handle this situation. The representatives were more concerned about a rep inputting the wrong information when I called on Tuesday than my money missing. The rep put in the notes that my husband called, but I was the one that called and I verified MY name and MY bank account information. One rep stated that the account was sent to the office of the President, however, she was the one who hung up on me when I asked for the AVP. I am BEYOND furious since we had plans to do other things and now my account is in over draft with no idea of when I will be getting my money back. When I asked any of the reps to give me their I.D . numbers, they either placed me on hold or ignored my question. They saw in the notes that the payment was made, but did not give a resolution to the issue. Instead, they just kept putting us on hold and transferring us. My husband said it happened to him a few months ago. They took alot more than he had authorized and they told him that he would be better off leaving it since he had another payment coming due. He said it took them 2 weeks to return his money after he called SEVERAL times.