davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (TX)

I was behind on my loan with Covington Credit. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called Covington again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with XXXX for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.
Consumer complaint received 2022-09-28
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: AFNI INC. (IL)

AFNI , INC DATE XXXX XXXX In accordance with the fair credit reporting act XXXX  has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (TX)

In XXXX my wife and I discovered massive fraud on our XXXX XXXX XXXX checking account. We researched our account and discovered the fraud all occurred using my wife 's checking account debit card. The card was a XXXX issued by XXXX XXXX XXXX. We notified XXXX XXXX XXXX of the fraud and gave them 12 pages of fraudulent transactions dating back to XX/XX/2022. XXXX XXXX XXXX informed us that XXXX would only allow the XXXX XXXX to refund two months of the charges, which came to about {$3600.00}. We had a total of about {$8000.00} in fraudulent charges so we are out over {$4000.00} still. I called XXXX to try to verify if the the two month rule was correct, and to see if XXXX would do anything to assist with our loss since the charges were clearly fraudulent ( almost all were XXXX XXXX  and XXXX trips in XXXX  and XXXX, we live in XXXX ). I spoke to someone who barely spoke XXXX, she gathered my info, and said she would transfer me to an " Account Specialist. '' Instead she blind transferred me into XXXX XXXX XXXX 's phone tree. I need help without that {$4000.00} we are in serious financial trouble.
Consumer complaint received 2022-11-17
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: Westlake Services, LLC (AL)

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 15 USC 1681c ( 4 ), accounts charged to profit and loss which antedate the report by more than seven year shall be excluded from my consumer report. I entered into this consumer credit transaction and credited you all with my credit card, there's no way of knowing how long this report has been in existence ; I have been around way before this account was charged off. This account shall be deleted immediately.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (VA)

XXXX promised to pay a debt to XXXX as a promotion in which you switch carriers and they pay out your contract and any equipment balance. Needless to say this didnt happen! XXXX has now reported a debt in collection to that is being shown on my credit report! This is an issue multiple consumers have had and I shouldve read reviews before believing what XXXX said. I did a complaint with XXXX and now Im having to wait 90 days for XXXX to send over the balance so that XXXX can honor their agreement! 90 Days!! XXXX said theyll honor their agreement but my monthly bill will go higher.
Consumer complaint received 2022-11-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HYUNDAI CAPITAL AMERICA (DC)

I have sent XXXX Hyundai XXXX XXXX an affidavit of Rescission, cease and disease letter of XX/XX/2022 Notifying them of the violations within my contract. Hyundai has received my documents via certified mail XX/XX/2022. Hyundai did not rebut my AFFIDAVIT OF RESCISSION. Hyundai has failed to decease communication by attempting to collect a debt that not owed due to the breach of contract. 

I will attach the supporting document previously sent to XXXX Hyundai
Consumer complaint received 2022-11-22
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: AMERICAN EXPRESS COMPANY (FL)

I have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered on XX/XX/XXXX. Credit Card balance of $ XXXX.I received a notice stating my account will be closed XXXX/XXXX/22 as I stated clearly I'm accepting for value and returning to the sender extinguished as a Mutual offset credit exemption settling & satisfying the account NOT CLOSE.
Consumer complaint received 2022-09-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-11
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. (TX)

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Hello! 
I had my Chace Freedom Card was more charging, unauthorized {$230.00} amount. 
From XXXX XXXX XXXX on XX/XX/2022 year .I disputed with representative many times with not success to avoid this money. 
I add all the information about my Complaint. 
Sincerity, XXXX
Consumer complaint received 2022-11-16
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: OneMain Finance Corporation (ND)

Fraudulent inquiries on my XXXX credit report XXXX XXXX XXXX inquired XX/XX/XXXX ONEMAIN FINANCIAL inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-14
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. (IN)

In accordance with the fair Credit Reporting act. The of of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. Account number XXXX 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is accurate.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On the XX/XX/22 I received a text from Bank of America saying that someone was trying to get some money from my account by XXXX if i allow it I responded no then a minute later I received a call i normally dont answer numbers that i dont know i figured out it was from the bank since i just received a text he was saying that he called from bank of America someone was trying to get some money we need to take care of it ok i said how do I know if you he telling me the truth he told me go on your account I did he was telling me everything from my account the amount my last transaction I did I only confirmed the information I said it must be from the bank he gave me a name and he told me he s going to give me a number of an associate that's on the case so whoever that trying to take money from my account can't do it I said to him again how do I know if you from the bank he told me go look in the back of your card you will see the the number I'm calling is the same I went and checked and I did the transaction he asked and after he asked me to delete his info this is where I realized it was a scam I called the bank right no one tried to help me until Monday XXXX someone filed the claim since then everytime I called is the same answers please help me I have family in XXXX to help I can't not loose this money thank you
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a case I already started with Chase Bank on this website. Chase has already closed the case although, nothing was resolved. Chase has been a nightmare and miscalculated my escrow over {$9400.00}. I asked to be removed off of escrow with Chase bank, which, regretfully they are denying even though they have miscalculated my escrow. Chase told me that they asked a third party investor called XXXX XXXX, and that they are denying the removal of my escrow. Which is a lie. XXXX XXXX handles my PMI not my escrow. Chase is in charge of escrow considering all checks for escrow are taken by chase not XXXX XXXX. Regardless, Chase will blame everyone else and will not take any accountability on their actions. Chase put a response up on the CFPB website stating that Im at roughly XXXX XXXX XXXX and if I bring it down to XXXX XXXX that XXXX XXXX may consider the removal of PMI on my loan. Which will lead to Chase possibly removing my escrow. Chase never explained any of this to me. However, I read the full statement on CFPB. I immediately began the process of PMI removal for some odd reason I thought I was much further than they had mentioned. Chase just sent me a letter and it again has miscalculated information then what was posted on the CFPB. Chase mentioned I needed my loan to get to roughly {$660000.00} on the CFPB. I received a letter from Chase today stating I need to bring my loan down to {$610000.00}. Yet again Chase is making errors and confusing my situation. I am still waiting for a manager who apparently was well aware of this situation but has had me waiting almost a week for answers. I am still trying to get Chase removed from my escrow. Although they have denied me several times. They have been a nightmare. I need to handle my own finances thats all I ask for. I also really need to know where my XXXX is? Just awful.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with FCRA. this creditor has violated my rights under XXXX5 USC 1681, Sec 602, states I have the right to privacy, 15 USC 1681, Sec 604 ( a ), Section 2, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-08
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

XXXX encounters error when processing request for Equifax credit report. Going to equifax website, Im required to create an account to access free credit reporting request. Once account is created, clicking on request free credit report results in website hanging and not advancing to report generation- we are temporarily unable to complete this request. Unable to reach an agent at Equifax despite numerous attempts to navigate their phone tree. After saying consumer financial protection bureau complaint to the automated system, I was immediately connected with a customer service agent. They were unable to provide me with a copy of my report and are only able to mail to me- this will be sent out in XXXX business days. The agent had not received any notification that there was a service outage with the website when I asked why I couldnt obtain my report through my online account. Every year it seems I run into issues with accessing my Equifax report - last year I had to submit a paper request and wait for that to processed before they mailed my report to me. At this point their process seems purposefully obstructionist and detrimental to the protection of my credit as the time it takes to receive my report delays my ability to assess changes to my report.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (NC)

I was struggling to find work at what I was previously making after my layoff in XXXX. Although I paid off this loan, and paid extra late fees they required, some of the late fee payments were late, incurring more late fees. This vehicle has been sitting in my driveway since XXXX needing an engine replacement. I need the title so I can have it towed out of here, but can not seem to obtain it. 

Also - my correct e-mail address is XXXX. I could not find the profile page to fix it.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (FL)

My prospective employer uses a XXXX  named Sterling to run background checks on new hire candidates. I signed electronically on XX/XX/22 giving permission for them to proceed with background check. On XX/XX/22 I received an email from Sterling that it was complete. Between XX/XX/22 and XX/XX/22 I've sent at least 9 emails requesting a copy of my full report and I still haven't received it. The representatives act like I'm requesting something that's impossible to get. Please help me!
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I sent the CEO XXXX XXXX an email requesting that.they remove incorrect information credit report. There is an address that is on my credit report that I have never lived at. XXXX XXXX XXXX XXXX XXXX TN. XXXX. Previously Experian failed to investigate and offer a legitimate reason for not removing this address from my credit report. Please see the attached documents
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC (TX)

I have never been to XXXX Texas or seemed medical attention there. This is incorrect. Also I have XXXX so if I did seek medical attention it would be paid by the state. So something is not right. Also this is the first time I've heard about this. So we need to resolve this immediately. So if it's identity theft I can do what I need to to fix this.
Consumer complaint received 2023-01-16
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: CITIBANK, N.A. (AZ)

Back in XXXX the XXXX of Last year 2022, I was in XXXX, XXXX by XXXX XXXX XXXX XXXX, With Soccer Team From state of California. I did not have a reservation my self but share a room with other friends. One of my Friend asked for help to pay For The Room and they needed {$1000.00} which I will get back from them after they collect that amount from the team members, So I went a head and made that Payment from my Credit card Citi Visa Credit Card. then I had left the XXXX Early morning of the XXXX of XX/XX/2022 around XXXX XXXX  in the Morning of Monday going back home to XXXX Arizona, after about 45 days I discovered there are unknown charges to my account one on the XXXX of XXXX of {$6000.00} and XXXX on the XXXX of XXXX So the total Unauthorized Charge is {$6000.00} which I did explain to Citi bank about the whole story, The credit card company Gave me a credit For that A mount For about a month and reverse it back, and ask me to deal with Hotel my self
Consumer complaint received 2022-11-17
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: Global Lending Services LLC (AL)

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.