davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile.

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2023-02-01
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. (CA)

This is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-02-01
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. (FL)

NOTICE regarding Failure to fix error after unlawful investigation causing harm and injures to my mode of living, disgrace to my reputation and defamation of charactor. 

I am demanding ALL UNVERIFIED alleged accounts below removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Exeter Finance, LLC. (MD)

I received a letter from Exeter Finance, LLC dated XX/XX/2024 stating that they have sold my information to a third party, XXXX XXXX XXXX XXXX XXXX. This is a direct violation of my right to privacy as I did not consent to have my personal and private information shared with anyone. First, the definition of a financial institution is ANY institution the business of which is engaging in financial activities, so before this is negated and based on this definition, Exeter does in fact classify as a financial institution ( hence Exeter FINANCE ). Pursuant to 15 USC 6802 ( b ), financial institutions shall not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately I was never given the opportunity to state whether or not I want my information given to a nonaffiliated third party, nor was I told how I can exercise that right. Pursuant to 15 USC 6803 ( a ), financial institutions shall provide an annual privacy policy disclosure, however I have not received a disclosure from Exeter Finance whatsoever. If the account has just now been sent elsewhere, then I have should have been receiving annual disclosures pertaining to their Privacy Policy while the account was opened. Not to mention, this third party that now has my information doesn't even have a website. How can anyone determine whether or not this is a legit business?? XXXX XXXX XXXX has no legitimate business need to even have my information. Exeter Finance has blatantly deprived me of my natural rights which is a crime pursuant to 18 USC 242.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA added my then-girlfriend ( future spouse ) to my credit card as a secondary authority with all the authority and responsibility matching a primary owner. We used the card regularly for a decade with joint purchases and payments, but when we began a divorce she called in and claimed she was fraudulently added to the card. USAA could not produce the required signature to hold her responsible for the debt and they removed her from the account dumping the debt on me during the worst possible time. They can not produce a reason as to why or how the signature was not collected or maintained. They only repeated we added her on the phone at your and her request and did not either ask for a signature or maintain one ( they do not have the recorded call for this ). They maintained all through divorce proceedings that this could not be undone and she would be held liable jointly for the debt. Due to their fault of not collecting, maintaining, or notifying us about the absence of a signature from my soon-to-be ex-spouse, they have transferred XXXX of dollars of extra debt into my name alone. I have talked to the CEO 's office twice and they refuse to resolve on their side. I have recorded calls, dates, and documentation.
Consumer complaint received 2024-03-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (CA)

The company is a a predatory loan and they keep changing the original date of opening this account on my credit reports. This illegally extends the date the account remains on my credit reports past 7 years for negative accounts per law. Therefore my credit scores are negatively inpacted by SpeedyCash illegal actions.
Consumer complaint received 2023-02-01
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. (PA)

Today, XX/XX/XXXX I contacted XXXX Credit Card Customer Service and supplied my social security number to them to investigate the issue that appeared on my credit report saying that I have had a balance of {$440.00} on a XXXX Credit Card through XXXX since XXXX. The problem with that being in XXXX I was only XXXX XXXX XXXX and I opened no such card and have never had a XXXX Credit Card my entire adult life. So the fact that this has been plaguing my credit report and causing me serious problems with my credit score was something I only recently found out and decided to further investigate. I contacted Equifax and the informed me that for them to resolve this matter and remove the incorrect account from my credit report I would need to file an FTC report. Which I am assuming is what I am filling out here.
Consumer complaint received 2022-11-14
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX NA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

JPMCB CARD HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (UT)

When making a payment online and bringing account current, I noticed the past due amount and the total due amounts were different. I called Global Lending Services and was transferred to 3 different people, and then was told some outstanding fees for almost {$300.00} were from a repossession in XX/XX/2022. When the truck was repossessed in XX/XX/2022 we paid all amounts due at the time and were told our account was current. Since then we have made payments on the phone with many different agents and were never told about these fees, the amounts or any information.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

I recieved a loan through titlemax and I paid atleast XXXX on a XXXX and none of it went to loan. They repossessed my car and made me pay XXXX. No relief no help and I was out of work and had family pass away.
Consumer complaint received 2022-11-14
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. (CA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Consumer complaint received 2022-11-14
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: TD BANK US HOLDING COMPANY (NJ)

After filing a dispute, Nordstrom refuses to credit back my credit card in the amount of {$1300.00}. On XXXX XXXX, 2022, I was told by XXXX XXXX that all life policies had been cancelled. The Nordstrom credit card payments made were never properly credited. Dispute dates are : XXXX XXXX, 2022, XXXX XXXX, 2022, XX/XX/2022, & XX/XX/2022.
Consumer complaint received 2024-03-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

This card was purchased from my XXXX XXXX on XX/XX/XXXX around XXXX in XXXX XXXX FL XXXX I received the gift card on XXXX and have been trying to use it since XXXX. Ive tried multiple stores in person and online which all say they take AMEX cards including gift cards. I had given up and called the help number ( XX/XX/year> @ XXXX ) XXXX ( XXXX ) XXXX. I had managed to speak with a representative who told me 3 times to try different ways to use the card and all of those ways i have previously looked up and have done already for months. After she understood this she put me on hold and then put me back in in which another representative man was telling her what to say. She told me they can not send a replacement ( in which i had asked for after she was no help ) and she said there is a hold on my account in which they can not send me a replacement. When i asked what this hold was on a gift card she could not explain. Instead, when I asked what the hold was 3 times she proceeded to say is there anything I can help you with after each time.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX, around XXXX XXXX XXXX, my BOA checking account made two unauthorized transfers through XXXX  to unknown accounts. {$1000.00} to XXXX, XXXX, and {$500.00} twice to XXXX, XXXX. Neither do I transfer to these two accounts, nor do I recognize either of these two accounts or names. I saw the e-mail notification at XXXX, and tried to contact BOA, but it was not their working time. I got in contact with BOA agents in the morning several times and they said they had filed a fraud claim for me and reset my passwords. But till XXXX XXXX, I could not see any claim on my online banking page yet. On XXXX, I clicked one spam link in a fake XXXX e-mail and stayed for 30s, I didn't know whether there was a connection between fraudulent transfers and the spam e-mail link. Maybe my phone got hacked. 

I am extremely frustrated and anxious at this time. {$2000.00} is a huge amount of number for a XXXX XXXX. I can not live without such money. I also maintain a clean banking account since XXXX, the time I first came to the US. So, please help me get my money back!
Consumer complaint received 2024-03-05
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 (CA)

On XX/XX/year> my Apple / Goldman Sachs credit card details were obtained and used for fraudulent charges. 

On XX/XX/year> I called Apple and reported that transactions made after XX/XX/year> were not made by me and my credit card details were compromised. Since then over 70 fraudulent transactions have appeared on my credit card account totaling over {$8000.00}. Each one Apple has opened an individual dispute for. 

Some of these disputes did not automatically get a provisional credit while being investigated ( which I had to XXXX  ), some have not resolved in my favor and I have had to have them reopened and investigated again, some have been marked resolved in my favor but I have not been issued the credit they say I have. 

Each dispute I have had to reopen has restarted the 90-day period Apple / Goldman Sachs has to resolve the dispute. I am now past the 90 days since this all started and still have ( re ) opened disputes. 

I continue to see attempts made on my card even though the card has been cancelled and a new number issued. It is incredibly overwhelming and stressful to have to track all the disputes myself, determine if they have been resolved correctly, and continue to follow up with Apple / Goldman Sachs. I have called them 6 times to discuss this matter and filed 2 complaints with them. Filing a complaint with them seems to be the only way to move things forwards, but still never fully resolves the issues. 

At this point the card is completely unusable because the transaction view is just a barrage of fraudulent attempts. I am not comfortable trying to close the card while all of these disputes have not been fully resolved as I will lose visibility into what is happening, likely get less support from Apple XXXX Goldman Sachs, and will no longer be able to track and ensure Apple is handling the disputes correctly. The tracking is incredibly manual because there is no way to download your transactions as a CSV, only a PDF.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

Each month the card co.charged my account 2 different interest rate : XXXX 36.07 % for general purchases, the other on 12 % for refusing the offer an offer for a transfer..Each month since the offer.Since then on XXXX XXXX paid the account in full.based on what their associates said was necessary to.closed the account..This week on XXXXbilled me by mail..Saying I owed them XXXX for standard purchases.and $ XXXX balence transfer offer. [ Offer I refused.and Paid in full what was requested to close the account. 
They want to charge extra Interest paying in full..and closing the account.After paying off the account.I cut up the credit card.Their associate said this was ok.
Consumer complaint received 2021-11-29
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: LEXISNEXIS (NJ)

I submitted a dispute to XXXX earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to XXXX they verified the bankruptcy information with Lexis Nexis. This statement is as a result of an error on their part or either is an outright lie as I have documentation from Lexis Nexis stating that this information is not on file with them. If a complete investigation had been made it was not verified by Lexis Nexis. I'm including Lexis Nexis in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Consumer complaint received 2024-03-05
Product: Credit reporting 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. (NJ)

I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. I appreciate the efforts of your agency in addressing the concerns I raised and acknowledging the removal of several inquiries from my credit report. However, I am disappointed to note that XXXX inquiry remains unresolved despite my explicit request for its removal. 

XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (TX)

I got a used car from sames with the bank XXXX XXXX and I have given XXXX on time payments and they have not reported anything to the credit!! I called back in XXXXXXXX XXXX XXXXXXXX and they said they had fixed it but nothing!! Were in XXXXXXXX XXXX XXXXXXXX and they havent resolved anything!! 
I want to buy a house and get another vehicle and i cant because my credit is stuck and not accurate!! Im very mad and dissapointed i will never and encourage no one to use flagship credit!! I call and call and they say they are working on it and nothing ... Im certain that if i fail a payment they will report it fast!!!
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

In XXXX, I sent out a bill payment to XXXX XXXX XXXX but they company moved and I was not aware of the the moving so the paper check was mailed and stolen. I filed a claim at my bank which is chase and they helped me return my money but later took back the funds. I asked why they took back the money and they helped me file another claim. They told me it would take up to 120 days so I waited patiently. It is now XXXX which is beyond the 120 days and they tell me it is at the mercy of XXXX XXXX XXXX. XXXX XXXX XXXX  is not responding to Chase 's messages to retrieve the funds
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

No providing dispute investigation results to items in dispute. 
I sent in multiple disputes about accounts and inquires that are not mines. Bankruptcy reporting. I never completed bankruptcy payment to get started. False information in report.
Consumer complaint received 2020-05-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I mailed a request to help resolve issues on my credit report to the 3 credit bureaus XXXX, Transunion, and XXXX. I disputed 5 accounts a late payment from XXXX from XX/XX/XXXX, a late payment from XXXX XXXX  from XX/XX/XXXX, a late payment from XXXX XXXX XXXX from XX/XX/XXXX, a collection account from XXXX, and XXXX XXXX. I have yet to hear anything from any of the 3 credit bureaus. I also mailed another request on XX/XX/XXXX and still have not received any response. It has been over 40 days and I want the issues resolved on my credit report immediately. I have tried calling, the phone prompts are so hard to get through. XXXX, XXXX, and Transunion are making it very difficult to try to resolve any issue I have on my credit report and I want something done about it.