davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I disputed the account XXXX XXXX  XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX  
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, XXXX  and Transunion have it marked as late, charged off with a blance. 

I disputed the account XXXX  with XXXX, XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, XXXX and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Consumer complaint received 2019-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MI)

I borrowed {$600.00} from Loan at Last with the understanding that I would be making payments of {$280.00} for 3 months. I contacted them to ask them if I could skip a payment and that's when I found out that my loan would not be paid until XX/XX/2020. My caregiver helped me figure out that I would be paying over {$3000.00} in the end, for a loan of {$600.00}. My caregiver is helping me with this complaint, as I have a XXXX XXXX, which she thinks is how this company was able to swindle me into signing up for this loan. I only borrowed the money because I was falling behind on my phone payments. Now I am in even more trouble. I get SSI and I have a job, but the idea that this company will get over {$3000.00} from me because I wanted to borrow {$600.00} does not sound legal to me or my caregiver.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (KS)

I opened a Chase XXXX card with an annual fee of {$140.00} that lists 4 upgraded boardings as a benefit. I called Chase and asked how I use this benefit BEFORE I used it. I was told to just put the upgraded boarding on the card and it would be refunded the next month. I purchased my XXXX tickets for {$1200.00} and added early bird check in on XX/XX/2022. I was billed {$50.00} extra for the early bird check in. The next month the charge had not been removed. I called Chase and the first customer service person did not understand why it was not being removed so she transferred me to a supervisor. The supervisor read for a long time and then said there was some distinction between early bird check in and upgraded boarding. He said that I do have the benefit of upgraded boarding but not early bird check in, but even he didn't know the difference until he read in his manual. If I had a cheaper credit card with a lower annual fee, then I would have early bird check in. He agreed that the terms were confusing but said he had no power to reverse the charge or apply the upgraded boarding credits to the early bird check in. He said he would send the request to a person that could refund the {$50.00}. About 10 days later, on XX/XX/2022, I got a letter in the mail saying Chase was doing nothing. I tried to call Chase two more times on XX/XX/2022, was put on hold for over an hour, and ultimately disconnected. The terms for the benefits on this card are confusing. No employee at Chase even understands the difference in the two programs yet they continue to push these cards and take advantage of consumers. They force the customer to pay for the benefit, promise a refund, and then say, no, that wasn't the right program, even though their terms cause the confusion and their own employees don't understand the program or benefits. It is a complete bate and switch.
Consumer complaint received 2021-11-22
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Owed : {$17000.00} Date Opened : XX/XX/2021 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Owed : {$0.00} XXXXF XXXX Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Owed : {$930.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX APARTMENTS XXXX ) XXXX Owed : {$3000.00} XXXX XXXX COLLECTION ( XXXX XXXX XXXX ) XXXX Owed : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Owed : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX Owed : {$4100.00}
Consumer complaint received 2021-11-22
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-08-15
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. (MO)

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX** Balance Owed : {$2000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I ordered via email a kitten plus shipping charges via the website XXXX on XX/XX/2020. I emailed to inquire a kitten to the email address provided and they responded with detailed information about the certain kitten. a few emails were exchanged and they even asked a multiple questions to learn how good we can take care of a pet so I really thought that they were pet loving people, not just doing this for money. It convinced me to adopt a kitten from them and when I told them, they asked to pay via XXXX money transfer. The name and the email was different than the website stated but I didn't question much because it's usually not their primary job. I sent the total of {$1400.00} via XXXX to the XXXX XXXX ( email : XXXX ) .The day that the kitten was supposed to come ( XX/XX/2020 ) from XXXX , Oklahoma XXXX LAX where I am, I was given with the tracking number and delivery website. XXXX : XXXX ( tracking number : XXXX ) However, I got a call and email at XXXX PST from the " delivery company '' that the kitten is on hold in Arizona due to needing anti-pressure vaccine, new crate and new insurance and asking {$1600.00} but it would be all refundable once the kitten is delivered. At this point, I got to question and contacted the seller via email and the I copied and pasted what they sent me and he said I should pay because they said it will be refunded.. I called the delivery company where it stated on the website and the email they sent me. The guy had an XXXX accent and sounded like who I was already and asked to pay. I told him I wouldn't be feeling comfortable paying {$1600.00} especially it has to be via XXXX  or XXXX. There was no credit card option. He became rude and hostile. He later declined my request for a refund, and even tried to scam me a further {$500.00}. I have also called my bank and they can not reverse the charge. A quick XXXX search found that this person has been pulling this identical scam under various aliases. XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2021-12-27
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2020-05-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX stated that an additional {$500.00} was due on a lease that was always paid on time. The vehicle was totaled and XXXX handled the case. XXXX sent payment that was cased ( copy attached ) in XX/XX/2020. Six months after accident due to XXXX not sending paperwork correctly. Can have XXXX provide information on that statement. 
XXXX said the {$500.00} was not due XXXX, I can request phone recordings. 
Attached is paperwork with the {$15000.00} XXXX that is listed on paperwork. There is one sheet that has a higher amount, that does not match the check. My lease sis not have a deductible in the lease. The {$500.00} was paid after XXXX bulk reporting several months of late at once and after XXXX informed me that the {$500.00} was not due to XXXX. XXXX says they can not remove the reporting, in actually they can. Nothing was late. The was a discrepancy with a deductible that has been paid so stop the bad credit reporting XXXX said not too pay. XXXX emailed a letter with different numbers, we paid the {$500.00}
Consumer complaint received 2020-05-19
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: AMERICAN EXPRESS COMPANY (GA)

American Express received a credit for {$12000.00} XX/XX/2020, for a trip I'd paid for and was cancelled. I asked American Express to return my credit to my checking account. A representative named XXXX Gave me a partial reimbursement by wire and promised to send me a check for the remainder. That was XX/XX/2020. Today is XX/XX/XXXX and I discovered that American Express representatives lied to me twice and never sent the check. Today I asked for my refund again, and they are making it difficult and kept me on the phone for 2 hours.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, my payments to Wells Fargo was on auto pay with a paper check from XXXX payments each month towards the credit card at Wells Fargo account number XXXX Wells Fargo XXXX credit card account that I established last year Ive been making payments every month Unfortunately they change their mailing address so the payments from On my account at XXXX, see XXXX letters stating I made payments to Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX When I called our contact Wells fargo they were not very helpful and they wouldnt talk to XXXX to verify this and they were not gon na do anything for me so thats why Im going to you guys because this is unfair and has hurt me financially with Wells fargos bureaucracy and not really giving a XXXX about me! See the documents Ive attached proving I made payments to them that they were return to XXXX uncashed. 

Unfortunately Wells Fargo was returning my checks and didnt cash in them even though im making payments to them they did not credit my account and therefore I was delinquent they never contacted me to tell me this until shortly where I get a credit report from XXXX XXXX showing me negative information basically my credit score dropped XXXX points when this was reported on XX/XX/XXXX that I was 30 days late and then 90 Days late to XXXX XXXX 



I tried calling Wells Fargo with no success and I feel like Im getting the short end of the stick because Ive been making payments since I started the loan in XXXX, XXXX, with success in WellsFargkand they were getting my payments and then all of a sudden the address changed and they werent cashing my checks so I feel this is unfair since Ive paid them off and they have this report of misinformation, please see the documents Ive attached showing I made payments every month to the Wells Fargo XXXX credit card account
Consumer complaint received 2022-08-15
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. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MN)

On XX/XX/2022 we made a payment of XXXX to Sallie Mae, that payment came out of our bank ( XXXX XXXX ) on XX/XX/2022. On XX/XX/XXXX we checked the Sallie Mae web portal and saw 3 payment reversals and 1 payment rejection. Ive called them 3 times in the last 4 days and they tell us they returned the payment but refuse to send proof or supply a transaction number, they also say it was applied but cant explain why the web portal says it was reversed/rejected. On XX/XX/XXXX we checked with the bank and they say the payment came out and was not returned. Sallie Mae keeps demanding another payment. I have attached screen shots from the Sallie Mae web portal and XXXX XXXX This is especially important because we are in the midst of a home purchase. XXXX XXXX is auditing their system to see if that amount was errantly returned to someone elses account, no word on that yet.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

Good afternoon, I have a Barclay credit card which I have not used in several months. I called today to cancel it and because it was within 60 days of the {$89.00} annual fee being charged I need to pay the fee in order to close the card. This is the kind of nuisance fee the bureau states it is trying to protect consumers from. I have an XXXX credit score and have perfect repayment on the account. My account was profitable for the issuer due to interchange fees made due to the heavy usage of the card. 
I think it's ridiculous to make someone pay a fee for a card they are closing. The only thing they were willing to do was file a complaint for me. 
You may be unable to assist me, however I think this kind of fee structure needs to be removed in order to protect consumers moving forward. Essentially they are requesting an annual fee on a card I'm closing and will receive no benefit from. The annual fee was waived for the first year so I consider this a fee for the coming year. 
Thank you
Consumer complaint received 2021-11-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX XXXX XXXX CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE on ( XXXX/XXXX/2021 ) via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX INC d/b/a CHASE who took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE are now civilly liable to pay me for the damages.
Consumer complaint received 2022-08-15
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)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX  # XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank Lowe 's Credit Card Promotional Purchases The Lowe's/Synchrony  Bank has a random order process for allocating payments to multiple interest-free promotions. Payments may be applied differently from the order of expiring promotion dates such that both Regular Purchases and/or ending promotions may not be paid ahead of later promotions based on unstated rules. In order to insure that payments are processed such that each promotion gets a portion of the payment based on the remaining months left before reaching the expiration divided into the total purchase price outstanding, they use other unspecified criteria that could cause a customer to be charged late fees and interest payments. In speaking with the Customer Service and the Client Affairs Specialist, controlled allocation mathematically can't be done with the " system '' that they use, which should be a Data Processing Computer programmed for Retail Commerce. In order to allocate funds to each outstanding promotional balance, after making the payment, the customer has to contact a Client Affairs Specialist with specific allocations by promotion. This is an absurd way for any bank to operate because it steals time away from customers to do trivial work best done by computer.