davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2016-07-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

CITI bank closed my business account recently and issued me a check which I received in my mail. 

The amount I received on the check is {$500000.00}, which is exactly {$3100.00} less than the closing balance on the issuing date. The total amount that was withdrawn from my balance by CITI was {$510000.00}, so I should've received in the check {$510000.00}. 

Where did my money go? 

In addition I still have on the balance a sum of {$2300.00}, which again must be issued in for of a check to my address. 
Please, CITI answer to my request. 
Thank you
Consumer complaint received 2022-02-23
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. (PA)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2022-11-21
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: KEYCORP (OH)

I was advised by Key Bank to cancel my credit card and open another one, with a different number, to stop a fraudulent recurring charge. The customer service agent promised that " there can be no charges on this card number from this day forward. '' Shortly thereafter, Key Bank allowed XXXX XXXX to charge {$750.00} on the old card number. My XXXX XXXX account was on manual renewal, yet Key allowed it anyway. When I contacted Key to find out why they would allow a charge on a closed account number, Key claimed that I authorized the charge. I did not authorize the charge.

Key refuses to take any responsibility. This charge was not authorized, and ironically, when I talked to XXXX about the charge, they refused to refund, and they canceled all of my subscriptions. No subscriptions, even though they got paid.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I filed a claim to dispute a transaction on XXXX XXXX 2022 with JPMorgan Chase & CoXXXX for the amount of {$7000.00}. The merchant for the transaction im disputing is XXXX, a stock trading platform I've used in the past. Before filing this claim i lost access to my XXXX account on XXXX. I have tried contacting them via email and their customer support number listen on the website. We believe my account has been compromised so filed a claim with chase. Today on XX/XX/XXXX i was informed my claim was denied. After speaking to the supervisor on duty she said in my initially claim i stated the transaction was fraudulent. She explained, since i did in fact authorize the transaction of {$7000.00} i filed the claim incorrectly. She said i can not mend or file another claim and that there was nothing they could do at this point. At the end of the call she recommended i take it up with small claims court. Not only is my money lost but i can't seem to get any decent information on a course of action.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (IL)

Before signing up for the Chase Sapphire Preferred card, I spoke to a Chase CC specialist who informed me the annual fee would be waived for the duration of my schooling since I had no active income. I procured the card and have made full, on-time monthly payments for over one year. I was charged the annual fee thus XXXX XXXX and spoke with a CC specialist and a manager today. The manager informed me ( 1 ) there 's no notation of the agreement on my chart ( which makes sense because I called before I had an account to confirm this was possible ) ; and ( 2 ) " that person ( who confirmed the waiver ) is probably not working here anymore ''. Both of these points are beyond my control and do nothing to address the fraudulent way I was convinced to apply for a credit card. When I mentioned filing a XXXX report, the manager told me to write a letter to the Chase Bank Executive Office, but that a waiver would be impossible.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

I have been having issues with Equifax for a number of years ( primarily with their identification questions, which tend to have nothing to do with me ), but my most pressing problem at the moment is my inability to freeze my credit report, either via telephone, app, or website. I have made numerous attempts to log into the service ( and have changed my password several times ), with no success. In XXXX, Equifax mailed me a special identity-confirming code, which failed to grant me access. At this point, I fear that it I were to successfully freeze my report, I might not be able to un-freeze it.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

I'm having a issue with XXXX XXXX a Comerica bank this card was provided by Social Security Administration an MY issue is that I purchased a item AND because I'm parsuly XXXX In sted OF getting 1 I HIT 3 and when I figured this out 5 min. latter I cancelled 2 OF them AND this happened on XX/XX/2018 an WISH told me that they would issue a credit within 14 days LIKE there policy states. An then I have gone back and fowored with this online com. Called WISH SO on XX/XX/2018 i called XXXX XXXX to file a complaint an they told me that they would send me a form so i could dispute this issue i never received the letter so i called them 5 more time an they would always say that they would send me another form AND TILL this day I have not received anything, AND remember that I'm in a budget because I'm XXXX
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (TX)

Im getting tired of this as now this is harassment. 

I have previously submitted a XXXX  Complaint to Code Red/Code XXXX XXXX XXXX  back a few years ago, and more recently XXXX, for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to XXXX XXXX. I explained the situation to XXXX years and they left me alone. Now XXXX years later, I now have XXXX harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous XXXX associates and asked repeatedly if this issue was on my credit. They said no. I have at least requested that XXXX provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. 

Now my loan has been sold to Avante or they own my debt that I have previously disputed through the CFPB in which XXXX updated my credit. 

XXXX have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. Avante XXXX is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.
Consumer complaint received 2020-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

The debt is from wells fargo. It is a fraudulent debt that was once removed from my XXXX credit file. In XX/XX/XXXX or XX/XX/2019 it re appeared. I contacted Wells Fargo about this issue and in XX/XX/2019 they " verified '' it was my debt. I requested all the paper work with my signature and any and every documentation of this verification to be provided to me. I have spoked to XXXX and XXXX from Wells Fargo recovery and executive office. the executive department number is XXXX. My case numbers is XXXX and XXXX. The debt owed is {$930.00}. I have provided Wells Fargo with a FTC letter and notified them and XXXX I was a victim of Identity theft. Every time I call wells fargo about this issue I can't get a clear answer and im told they will send me the documents. I haven't received anything from Wells Fargo.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am name is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance {$0.00} Bankruptcy : XXXX XXXX Reference number : XXXX Amount : -
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (TX)

I have these companies ; 1- MRS BPO LLC 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. The Texas Debt Collection Act sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. 

I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. 
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.
Consumer complaint received 2022-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (TX)

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  We purchased a used vehicle together in XX/XX/2022. I was not able to pay the note due to the fact I have XXXX XXXX and have not been able to work. I was not working when we purchased the vehicle. My XXXX and I XXXX XXXX XXXXXX/XX/2022. During the XXXX  I had spoke with the finance company and explained to them the situation. I asked if there was a way to get an extension or roll the payment to the end of the note. I was told they could offer me no help till there had been XXXX payments made on the vehicle. They proceeded to call me daily XXXX XXXX XXXX times a XXXX and called even after they were spoken to. They have called my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Even after we have spoken to them. My XXXX  and I made XXXX payment on XX/XX/2022. The finance company started calling us on the XXXX about being XXXX XXXX past due on XXXX 's payment. We had setup payment arrangements with them to get the payments caught up. They have proceeded to call both my XXXX and myself XXXX to XXXX XXXX XXXX XXXX. We have spoken with them a XXXX times and told them we had payment arrangements setup and we were told that they would continue to call us till the account was current or we gave them a credit card number or bank account information to charge our account. We no longer want the vehicle because we are tired of the harassing phone calls XXXX XXXX XXXX XXXX XXXX XXXX. We would rather have our credit ruined than to deal with this finance company anymore.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (GA)

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.
Consumer complaint received 2022-02-23
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. (MI)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of this account or have Equifax get back to me with regards to the issue. Here is the account that concern me. 
XXXX XXXX {$490.00}
Consumer complaint received 2022-10-02
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: Augusta Collection Agency, Inc. (GA)

In accordance with the Fair Credit act AUGUSTA COLLECTION AGENCY XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (TX)

This company tried to place debt on my credit report without legally verifying or validating it under the fair credit reporting act. The company never exchanged goods or services or any exchange of monies. This company has since placed a charged-off statement on my credit report dropping my credit rating XXXX points!!!
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE. XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.
Consumer complaint received 2015-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MS)

On Friday XXXX/XXXX/2015, my check account said that check # XXXX in the amount of {$50.00} was paid and that I had a balance of {$24.00}. Therefore I assumed that the check was paid as they listed it as being paid. Today XXXX/XXXX/2015 my account shows as being overdrawn. I was charged a fee of {$12.00} and had {$50.00} removed from my savings account. I have been with the bank U.S Bank for many years and my bank has never been misleading. I feel that I was misled.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

I hired a moving company to move me from XXXX XXXX to XXXX. The company did not provide a truck large enough to accommodate my move despite upping the estimate the day before. The truck they sent from a third-party vendor was almost completely full and would not have even accommodated the original estimate. They said they were looking for another truck that had the space and would let me know. Instead, they left without telling me anything. They said they would reschedule a move to another date when they could get the truck but that was not the date I agreed to and had to get my things out the day we scheduled. I had to hire another moving company which cost me twice as much on short notice. They said they would refund my money and never did. Then they offered me {$600.00} off the {$1800.00} it cost me and I said that wasn't good enough so I filed a dispute with the bank. The dispute was denied and now because I filed a dispute the company is no longer willing to give me the {$600.00} back and is mocking me because my bank " doesn't even have my back ''. The {$600.00} is still not enough but better than nothing.
Consumer complaint received 2022-11-21
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. 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, 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. 16815-2 ( 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 2022-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NE)

Through my XXXX account I applied for a JP Morgan Chase issued rewards credit card. Chase pulled my credit report on XX/XX/2022. When I contacted them in XXXX because I had received no response I was told to just resubmit an application which I did. Chase again pulled my credit report on XX/XX/2022. I know for a fact that my credit score was good/excellent on both occasions. The credit applications show as hard inquiries on my credit report and did slightly decrease my credit score. It is now XX/XX/2022 and I still have no response to either application.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (FL)

I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.