davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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: JPMORGAN CHASE & CO. (FL)

Originally purchased flight tickets on my credit card in XXXX, 2022. Due to unforeseen circumstances ( XXXX XXXX  ), two of the individuals flying are not able to make it. ( XXXX got XXXX, the other is his primary caregiver ). I submitted a claim to the Chase Sapphire Reserve card insurance, as this was covered under their terms and conditions. I then called Chase customer service, and the representative told me I didnt need to submit the claim, that I could cancel it, and that the airline would be refunding me a partial amount ( around {$2200.00} ) due to multiple schedule changes with the flight. The chase representative then told me the funds would be sent back to my Chase Sapphire Reserve card, wishing 5-7 business days. 3 weeks passed, and I called to inquire on the status and they had no idea what I was talking about. I escalated the call, and the supervisor told me they would call me back after 24 hours so they could investigate. They never called. I have been calling multiple times, escalating the calls, and nobody is able to help me with this. I cancelled the claim as advised by Chase customer service, but now it has been over a month since they told me the partial refund would be posted, and nothing is even pending. All recordings of phone call interactions I have had can be pulled to confirm this.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (CA)

On or about XX/XX/2021 I applied for a secured credit card with Discover. My application was approved and on XX/XX/XXXX Discovered took {$500.00} from my XXXX XXXX  account. On XX/XX/XXXX I received my card and attempted to activate it using their XXXX activation number. However, the automated system directed me to the fraud unit. 

The next morning I called Discovered fraud unit and they informed me that someone ( male voice ) called to report that my application for their card was fraudulent. I told them that I never called them and that all of our communications had been via email only. I asked them to provide me with the information as to who had called them as all their calls are recorded. They informed me that they would conduct an investigation and for me to call back in a few days. When I called back, they would not provide information to me and informed me that I would have to reapply and deposit another {$500.00}. I requested my {$500.00} back that they took to secure the card, however, they informed me that it would take another 60 days to get my money back. 

The card was never activated, so therefore never used and they should have returned my money immediately. It doesn't take 60 days to refund money back to the bank account they took it from. I am a retired XXXXXXXX XXXX XXXX XXXXXXXX, and I feel that I have a right to know the results of their investigation. There was NO WAY this was a fraud application. They ran a credit check, the funds came directly from my XXXX bank account and I want to know who called them to made this false complaint, which would be illegal. 
I am respectfully requested that Discover return my {$500.00} back now ; and also I want the results of their investigation. Since, it has now affected me and my credit score.
Consumer complaint received 2023-03-22
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. (CT)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

I tried talking to someone 2 days before my sale date of my home. The company told me my house was up for auction in 2 days there was nothing they could do. The company failed to give me a scheduled hearing before the sale or auction of my home. I also received a letter this past week stating that they received a upset bid as well that was received in the county clerk of court office. I tried calling the company and their lawyer office as well and have not received a return call from either one.
Consumer complaint received 2023-03-22
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. 

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

I dispute any debt these companies claims to have on me.

You must stop all collection activities. Do not call my telephone number. If you were ever giving permission to call this telephone number I am revoking that now.

My demands are : For you to provide me the audit trail This is what I need included in the audit trail : * Account file * Ledger * All accounting documents * The transactional history
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (AZ)

I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over XXXX XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (AL)

on XX/XX/XXXX I discovered on my annual credit report, incorrect information on my credit. This is a result of Identity Theft and need to be removed ASAP! please have the following removed ; XXXX XXXX XXXX amount : {$830.00} opened : XX/XX/XXXX original creditor : XXXX XXXX XXXX XXXX XXXX XXXX CCS Collections original creditor : XXXX OPENED XX/XX/XXXX This reporting incorrectly on my credit due to identity theft and has affected me in so many ways for my career and being able to buy a home for my family.
Consumer complaint received 2021-11-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: V and H Portfolio (KS)

XXXX XXXX XXXX  put a collection account on my credit. I disputed with them they refused to answer my letter or calls regarding why they were collecting. It was sold to another collection agency who i disputed the debt with them and they removed their file from my credit report. 6 weeks later u got a call from vance and Huffman a new collection agency representing the original debt with XXXX XXXX XXXX. I bought a car in XXXX in XXXX inwas in a car wreck and insurance and the gap insurance paid the debt off. The car company went out of bisiness shortly after. The car co pany sold its loans to two different companies. The missouri locations were bought by XXXX XXXX XXXX. I bought my car from the ks location, and XXXX XXXX XXXX still holds the original rights to my original contract. They are not persuing collection and they note that my account is paid in full. They will not privide me anything in writing because they were nit the original owners of the car contract and contract was under XXXX XXXX XXXX or XXXX XXXX. XXXX XXXX does not own or hold rights to collect on a car that was paid in full. The origi al creditor diesnt even exaist any more and XXXX XXXX XXXX nor the current collectio. Company will stop collecting because they told me i habe to prove to them i dont owe the debt. I dint have anything else on that car anymore as it was 3 years ago. I asked all collection companies for a copy if the origi al contract and theur rights to collect on my original contract and no one has provided me that. They have affected my credit acore in the middle of a home biying oricess and caused me to loose the home of my dreams. I am now back i. The process again searching for a new home and it has hit my credit score yet again. This time the lender is willing ti work with me because they see the item is disputed with all credit agencies. But it still affects my score and my ability to get a better rate. Ive spent 3 minths disputting the information with all agencies and niw 3 times over for 3 collection companies.

It is illegal what they are dli g i donot owe any money to them nor XXXX XXXX  but yet they keep trying ti sell the debt to negatively affect my xredit.
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc. (MN)

I had an XXXX XXXX XXXX XXXX XXXX I have used in the past after they called me to remind me that my XXXX XXXX  was overdue. I provided my insurance and was told I would have to pay my co-pay. When I showed up to my appointment I signed in and gave copies of my insurance card as well as my ID. I confirmed again that the service was covered by my insurance because the person at the front desk. After the appointment I was asked for my card again and was then told that they XXXX XXXX I had on my insurance card was out of network. I was confused because it was the same insurance provider I had given to them for previous appointments without a problem and the same I gave to them when the appointment was made. I confirmed again on arrival and was told it won't be a problem. 
I asked if there was going to be a change in my cost for the procedure and they said no and that they would just submit to my insurance. 

A couple weeks later I received a letter/ bill for {$390.00}. I called and had a conversation with XXXX at their business office. After explaining what happened and my communications with the individual at the front desk XXXX asked me for the individuals name that had told me that I was covered for my exam. I couldn't recall so XXXX asked me to describe her and since she was the only non-white woman at the clinic XXXX knew who I was talking about and seemed irritated in a way that you would if this has been a problem in the past with an employee. XXXX then said that the best they could do is charge me the uninsured rate of {$170.00}. I asked why they tried ton bill me for {$390.00} then and she got confrontational. I then said I'd be willing to pay what I agreed to pay and that was my co-pay of {$50.00}. XXXX said that she woulkd have to get back to me and that is when the letters started. The first letter dated XX/XX/year> asked again for the {$170.00}. I responded via letter that I was willing to pay the co-pay we had agreed upon and then received another invoice for not {$170.00} but the {$390.00}. I sent another letter asking how she was coming up with these numbers and she didn't respond other than sending me additional invoices and threatening collections. The last correspondence XXXX sent me threatened that if the {$390.00} was not paid by XX/XX/year> she was going to bill me {$510.00} via collections. I just received a email on XX/XX/year> from the collections agency asking for the {$510.00}. 

This has been very frustrating and time consuming. I pay my bills but will not participate in a sham like the one I have been forced to with this XXXX XXXX  I have copies of every letter and can provide them if needed. 

Thank you in advance for your help. 

All the best, XXXX
Consumer complaint received 2023-03-22
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: Resurgent Capital Services L.P. (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

XXXX XXXX XXXXis reporting I owe a debt of {$810.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Consumer complaint received 2018-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Hello, I have been paying back my loans as required. Recently I received a bonus from my employment and tried to do the responsible thing here and put it towards my loans. I went into the system and paid off one of my loans entirely. Afterward I went back in to find that the amount I paid which listed the full amount I paid {$5100.00} did not satisfy the amount. In looking back at the records it details/verifies that the amount I paid was in fact the full balance ( Principal {$4900.00} and Interest {$280.00} ). However, they are coming up with an additional {$280.00} that I owe. It's pretty clear they essentially didn't zero out the interest amount when I paid. However, when I called them to rectify they claimed this was a hidden amount not reflected in the numbers they had generated in the system for me to view. The service representative I spoke to then proceeded to tell me if they make an error or find later on that I should pay more money they are allowed to do so. That would breach elements of the program and basic contract law. 

The loan servicer is : PHEAA ( XXXX XXXX XXXX )
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

Hello, I was reading an article that stated that if you had an auto loan with Wells Fargo Dealer services I may be entitled to a refund for over charges during my loan. 

My loan was from XX/XX/XXXX to XX/XX/XXXX. I tried calling Wells Fargo and was on hold for XXXX. So I also saw this option of contacting you. I pulled my credit report and did not see my Acct #. My last 4 of Social are XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Account number XXXX as identified by Portfolio Recovery Services, presents the original balance as {$4000.00} and current balance as {$3600.00}. A recent payment of {$150.00} is presented as paid on XX/XX/XXXX. 

I have no knowledge of this account or {$150.00} payment that was made. The payment history reflecta a " C '' without a corresponding {$150.00} payment as reflected being made XX/XX/XXXX. 

A dispute was filed and the account information updated XX/XX/XXXX. The aforementioned item being reported is scheduled for removal this year, XX/XX/XXXX. 

In my opinion, this fraudulent {$150.00} payment is an attempt to extend the statute of limitations and in direct violation of the FDCPA established in 1978.
Consumer complaint received 2021-04-30
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. (MN)

I recently received a copy of my ( Equifax ) credit report and I notice there is an unauthorized/fraud credit inquiry made by ( the companies listed in this complaint ). I did not authorize these credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate the removal process for these inquiries. Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship.

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this. 

My contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX/XXXX XXXX Inquiry from XXXXr XXXX, XXXX XXXX  - Card Service Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax Mortgage Services Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NY)

I XXXX XXXX entered a consumer credit transaction with DISCOVER in XXXX of XXXX. I never asked them to send me a bill. in XXXX 0f XXXX  they sent me a bill. In this bill were FDCPA violations 15 USC 1692b ( 5 ) using symbols and profane language, 15 USC 1692 ( f ) charging interest on a consumer credit transaction, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. And violations in FCRA 15 USC 1681a 3 ( f ) aiding and betting debt collectors and agencies
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please investigate my disputes mailed out to the credit bureaus several months ago and still as of today, I have not received any correspondence from them or anyone else with regards to my dispute requests. I am not understanding why they never ever respond. All they send is that one " stall letter '' every single time. Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm.

The accounts that I want disputed are attached and I will wait for my results.
Consumer complaint received 2023-03-22
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE