davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I bought an air ticket using the Chase credit card and flew the airline. During the trip, i lost my carry on bag and filed the lost luggage benefits claim with Chase, but Chase denied my claim saying " Luggage that is lost, stolen or damaged while in the airport is not eligible for coverage. '' The benefits guide that I received with my card or the one available online ( under my account ) does not state any exclusion like that. My benefits very well reads - " The benefit reimburses Insured Persons for costs incurred to repair or replace Checked Baggage and/or Carry-On Baggage and personal property contained within due to physical loss or damage, if the loss ( including theft ) or damage occurs during a Common Carrier Covered Trip. My trip was very well covered as i had bought the full ticket using Chase credit card. 

My claim number filed with Chase card benefits services is XXXX
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus  as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MD)

I did purchase the air tickets through the credit card during the pandemic period and the flights got cancelled and i did request the concerned flight ticket to refund the ticket expenses and did try to request the credit card people to not to charge interest on that specific amount and asked them to dispute the transaction. None of them are supporting my case and are continuing to charge interest and i keep paying to wait for the result it kind of mental tension to me..i keep on paying they don't even support with the pandemic crisis and still XXXX the blood of customer who tend to maintain good credit.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (PA)

Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

WAKEFIELD AND ASSOCI has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion will not let me have access to my credit report. I tried to obtain through the free annual credit report. They blocked me. I tried to get access through there website. I created a profile I will have access for one day and then try and log in the next day and they blocked me access. I have called them every other day for the last month and they will unlock my account only to lock it back the very next day. I am very frustrated with them. Its like they are keeping me from accessing my report and something needs to be done about this.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I paid off two creditors in XXXX and XX/XX/2021 but my score never moves from XXXX. Is anyone at the 3 bureaus doing anything these Pandemic days? 

On XX/XX/2021, my request for a consolidation of my U.S. Dept of Education loans ( 12 loans ) was approved. I know I need to wait until XX/XX/2021 to see any changes, but I am doubting this will change anything. My score has remained at XXXX for many, may months in spite of positive activity. 

The credit report bureaus should note this as a positive event in XXXX, 2021. If they do not, please investigate. My credit score remains at XXXX for a number of months now. I am wondering if staff at these bureaus are actually doing their job updating anything.
Consumer complaint received 2022-01-14
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)

I am enrolled in XXXX through XXXX. Through XXXX, I received Credit Alerts related to several " New Inquiry '' requests that I did not make or request to have performed, and that I do not recognize or have any information about. These inquiries ( detailed below ) into my credit file were done fraudulently and without my permission. 

Specifically, on XX/XX/XXXX, an inquiry was made made through Experian from the following company : " XXXX XXXX XXXX XXXX XXXX. '' When I XXXX this abbreviated name, no further information was provided for the name of the company/business, but there were several forums that discussed the fraudulent nature of this inquiry. I have never contacted any company and/or entity related to the above abbreviated name with respect to running a credit report or requesting any services from any company and/or entity related to the above abbreviated name that would trigger their running a credit report about my credit file, history and/or information. 

Further, on XX/XX/XXXX, three separate inquiries were made through Experian, from the following companies : XXXX ) " XXXX XXXX XXXX '' XXXX ) " XXXX XXXX XXXX. '' XXXX ) XXXX XXXX When I XXXX  the above companies, it was revealed that the three inquiries, in order, related to a XXXX XXXX application for a credit card, a request by XXXX XXXX, and a request by the XXXX XXXX XXXX XXXX XXXX. I have never contacted any of those companies with respect to running a credit report or requesting any services from any of those companies that would trigger their running a credit report about my credit file, history and/or information. 

Similarly, on XX/XX/XXXX, a separate inquiry was made through Experian from the following company : " XXXX XXXX XXXX. '' On a related note, I received a letter in the mail from XXXX related to an application for a " XXXX XXXX XXXX XXXX. '' Similar to the above requests, I never contacted XXXX with respect to running a credit report or requesting any services from XXXX that would trigger XXXX running a credit report about my credit file, history and/or information, and never applied for a XXXX XXXX XXXX XXXX or any other credit card through XXXX. 

Each and every of the five ( 5 ) above inquiries into my credit file were performed without my permission and without my knowledge. I never requested any of the above companies to run a credit check, and never requested nor applied for any services with those companies.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

Hi, I was charged for a total of XXXX $ for two items from old navy online on my banana republic store credit card in XX/XX/2021. Since I didn't recognize the purchase I contacted the credit card provider sychnrony to dispute the charge. They immediately reversed the charge and confirmed that yes there's indeed a fraud alert on it. Now in XX/XX/2021 I receive a email that there is a XXXX $ outstanding balance on my credit card ( two items with the reference codes of XXXX and XXXX ). When I check the portal, it mentions that I'm charged for a balance transfer of XXXX $ on XX/XX/XXXX. I contacted the synchrony about this charge on the banana republic store credit card, and they mention that they have determined to reverse the fraud claim without providing any explanation or even notice of charge. I just got notified on XX/XX/XXXX as part of routine monthly messages about my credit balance due information at each month. They need to at the very least provide an explanation on why they refused the dispute. The charge was a fraud, but the charge itself is small. My main worry is the experience that I had on the process. They take no responsibility and accountability in clearing the matter for me, so I'm not sure how I can trust them
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Throughout XXXX, I was getting notifications via the XXXX XXXX that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from Experian that my credit score had dropped XXXX POINTS because XXXX reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my credit score. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.
Consumer complaint received 2021-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (NC)

XX/XX/2021 I purchased a vehicle from JD Byrider. I was informed that I would need to put {$1000.00} down. I ended up putting {$1200.00} down for down payment and have been having issues with the vehicle since day 1. I was promised a reliable vehicle and that is not what i have gotten. The vehicle has been in their shop every week since purchase. My ac and heat has not worked multiple of times ( Ac actually stopped working 2nd day of purchase along with check engine light coming on ), car was overheating, there is sound of water under the hood, coolant filled back floorboard after they " fixed the heating cord '', AND THE MOST IMPORTANT DANGEROUS THING CAR HAS SHUT OFF ON ME WHILE DRIVING 4 TIMES. I dont mean sitting at stop light or stop sign. Foot on gas and car cuts off. They told me that they would pay off that vehicle and place me in something else. Cnac ( Finance company ) stated that I needed to put another {$500.00} down for a new vehicle. Manager stated he would work around down payment and on XX/XX/21they started backtracking. I am still without a vehicle as of today XX/XX/2021 and have been without one for a month now. They haven't even reached out to inform me on what's going on with the vehicle or even tried to make the situation right by putting into a rental until fixed, but yet the finance company is calling everyday for a payment on a car that im not driving.
Consumer complaint received 2021-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans (AL)

I borrowed {$2000.00} during the XXXX XX/XX/2020, due to financial XXXX I was in XXXX XXXX of needing the loan or my family and myself wouldve been homeless. This Companys interest rate is ridiculous. The interest rate on the loan was 231.47 %. I ended up paying them {$7000.00} for a loan. Thats because I paid it off early. If I had continued to pay them through the end of the loan period. I wouldve paid them a total of {$9800.00} just to borrow {$2000.00}. This is highway robbery to consumers. They shouldnt be allowed to make this type of money off of poor people. Who are struggling trying to make ends meet. Some people dont have a choice or no where else to turn. Theyve taken advantage of hard working citizens. They shouldnt be allowed to operate as a business.
Consumer complaint received 2021-09-23
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. (SC)

On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Good evening you have recently reported that XXXX and XXXX bank is reporting accurately on my report but i so happen to have a letter from XXXX saying you all are reporting inaccurate information late payments .Please update to paid as agreed .If you refuse, I will like to inform to You that you are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I opened a secured credit card through Citibank in the amount of {$1000.00} in XX/XX/XXXX. Paid on time every month. I made my last payment in XX/XX/XXXX. In XX/XX/XXXX I called Citibank to have my account closed there was a balance of {$910.00} owed at the time, they informed me my account would be closed and that my collateral holding would be placed on the account and if there is any amount after my balance was paid by my collateral holdings it would be mailed to me. I asked to have that in writing and mailed to me in which I received. Now they have reported to my credit report a charge off balance in the amount of {$280.00} on XX/XX/XXXX. On my credit report it shows there was payments being made after XX/XX/XXXX all the way until XX/XX/XXXX. Ive never made those payments.
Consumer complaint received 2022-01-14
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. (MS)

This is the third letter I have sent to your company about unauthorized inquiries that have been made. and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports. These inquiries seem to be the result of several attempts to fraudulently open accounts. I have asked repeat to delete those inquiries. I did not initiate any of these inquires furthermore if you feel like I did please have the XXXX, Experian and XXXX to delete them. As I plan on seeking civil liabilities if not removed ASAP.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

As of XX/XX/XXXX I have informed Enhanced Recovery Collection of identity fraud and have provided them with an identity fraud filing with FTC IdentityTheft.gov on an idem they have reported to XXXX, and yet knowingly they kept additional fraudulent account information that they had under my name and Social Security Number from in in an attempt to harm my credit report in future as they did in XXXX of XXXX. 
The attached document shows that Enhanced Recovery collection had knowledge of a fraudulent account opened under mu name & SSN with XXXX XXXX XXXX in XXXX of XXXX, and when I notified them with FTC Identitytheft.gov informing them of fraudulent account they reported for charges with XXXX XXXXXXXX, they failed to notify me of the other collection account they had at the time under my name & SSN with XXXX XXXX XXXX and as a result waited for an opportunity on XXXX of XXXX to knowingly hurt my credit rating with Credit Reporting Bureaus. 
I have attached both Identity Theft report as well as a screenshot of my XXXX Credit Report showing XXXX XXXX XXXX fraudulent account was with Enhanced Recovery Collection on XX/XX/XXXX.