davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

So recently me and my husband were looking for house for rent .We are new to Arizona we didn't know they were so many scammers on any abs .I don't know why XXXX gives you the option to request your money back when people are scamming us we didn't know it wasn't true until I have some show up to my home where I supposedly I paid rent XXXX  and I got scammed i have paper where supposedly I was never true that house never belong to them we got kickit and lost all that money I wish there was a way they can help please anybody .its not right. I have emails where he said me the lease to house messages .I really wish some can help we are XXXX XXXX XXXX XXXX And then the scammer still has the the courage to texts me laughing. So we tried to request are money back and they keep declined it .I 'm so stressed out i have no where to go .it sad how people can do.
Consumer complaint received 2020-05-13
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. (NJ)

unauthorized inquiries reported 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-11-11
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: Conn's, Inc. (TX)

I paid 10 % of total debt in settlement offer through assigned 3rd party. I was provided a XXXX Balance letter yet the original creditor ( Conn 's ) did not update the account to reflect Settled on my credit. The account reflects closed with balance still in tact. They did however update the payment, but refused to update the account status. I made this payment ( Call is recorded ) advised that it would settle the account and remaining balance, not " update '' that payment was made.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX was forced to close pursuant to an Executive Order of the Governor of the State of Michigan in XXXX. On XX/XX/20 we notified Chase Bank ( issuer of a business Visa credit card ) that we were being forced to close and that we did not know how long this closure would last. 

During the closure, we did not receive mail service to our location. 

We have now been allowed to re-open and are reviewing all bills that have now been delivered. We have statements from Chase for the Visa credit card that show interest charges that accrued during the time of the closure. 

I called Chase today ( XX/XX/20 ) and asked that these interest charges be waived, as we did not have accounting staff allowed in our office during the shutdown and no way to pay them. They stated that they are only waiving late fees and are not waiving interest charges. 

As we were unable to pay bills during this government-mandated shutdown, we don't feel we are responsible for these interest charges and would ask for assistance in this matter.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXXXXXX Acct # XXXX, and XXXX XXXX XXXX acct # XXXX have violated my rights and have furnished my account information without my written consent and/or my written instructions. 

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 also states a consumer reporting agency can not furnish my accounts without my written consent and/or my written instructions.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (SC)

I am a natural person sending this notice by my self Correction of billing errors on my open ended credit plan The a ledged debt is {$970.00} I have been a member with CITI CARDS since XX/XX/XXXX I receive a statement each month that is incorrect I was born with a bond that secures all my public debts a.k.a open ended credit plan I am simply demanding a correction My account from CITI CARDS is an open end credit plan. 15 U.S. Code 1602 ( j ), an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.

12 U.S. Code 84 Lending limits ( 4 ) Loans or extensions of credit secured by bonds, notes, certificates of indebtedness, or Treasury bills of the United States or by other such obligations fully guaranteed as to principal and interest by the United States shall not be subject to any limitation based on capital and surplus.

18 U.S. Code 8 Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WA)

I opened the NetSpend pre-paid account for the direct deposit of the CARES Act payment. 

I updated my information on the IRS Economic Impact Payments website at. Please see attached. XXXX XXXX XXXX XXXX XXXX   Dear Non-Filers : Enter Payment Info customer : Congratulations, the IRS has accepted your Non-Filers : Enter Payment Info return. 
Your Submission ID is : XXXX If you haven't already, it's always a good idea to print a copy of your return for your records. 

Check the IRS website for the latest info on payment timelines at XXXX : XXXX To confirm your return status, log in to your Non-Filers : Enter Payment Info account at XXXX : XXXX XXXX XXXX and select the " Check E-File Status '' button. 

Payment Status. 
XXXX XXXX XXXX We scheduled your payment to be deposited on XX/XX/2020 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 
On XX/XX/2020, my account ending in XXXX was closed for fraud after I sent in the requested documents for verification. Please see the attached documents. 
I have contacted the IRS about my CARES Act payment that was deposited into this account and they have no issue. 

I was told nothing could be done to reopen my account so my remaining balance of XXXX would be mailed to me within 7-10 days. I gave my information and verified my mailing address and waited for my check. On XX/XX/2020, I received a check in the amount of XXXX. 

I called customer service on XX/XX/2020, to request my remaining XXXX balance be mailed immediately. I was told that NetSpend was investigating my direct deposit funds ( CARES Act payment ) and would mail a check for the remaining balance of XXXX after 60 days. I said that is unacceptable they already investigated my account and closed the account and by law, they are to mail me my full balance within 7days of the account closure. A supervisor then said my issue would be escalated to the global team and they would call me within XXXX with more information. 

As of today XX/XX/2020, the corporate global team contacted me via telephone ( XXXX ) and stated the funds will be released after the IRS has contacted them and verified it is not investigating me for fraud. 

I have attached the correspondence history, the call history and the IRS documentation for your convenience.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In reviewing my online account with Bank of America credit card services, I noticed my FICO  score had dropped by 5 points based on the explanatory note that I had applied for  credit too recently and it affected my score. I have been in the 820s and above for years and decided to contact XXXX ( which supplies the data to BoA ) to see what recent account was opened that I was unaware of. 

I downloaded my XXXX record and nothing showed so I followed up with a call. They said nothing on my record they could see changed and there had been no recent request for an account opening ; the last one was nine months ago on an account that was paid current, as all my accounts are. Further, this appeared to be a proprietary evaluation independent of XXXX that BoA was using and not a XXXX  specific model. 

BoA does not have a written inquiry resource on their Contact list, only phone in. I tried twice, and after holding twice, was transferred to their credit department and promptly disconnected twice. 

I am unable to find out what account they claim I recently opened, so unable to correct the record and restore my FICO   score to what it should be.
Consumer complaint received 2020-05-13
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: Resurgent Capital Services L.P. (TN)

Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, LVNV Funding,  uses several different collection agencies in an attempt to collect. The other account is XXXX.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

I had a chime bank account and I did a dispute because someone had took over {$6000.00} from my account. They closed my dispute within 2 days so I feel they didnt even investigate my claim. Then proceeding to the next day they closed my account. My name is XXXX XXXX. Chime account is who I was banking with.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc. (MD)

I took a rental car from XXXX XXXX  leasing and they had a flier or a notice not part of their contractual agreement and they charged me XXXX USD for a car clean up. I disputed this with them on my XXXX XXXX credit card bill sending them the pictures of my car. Now they send this bill to collection agency resulting to an amount of XXXX USD. 

I received a letter 6 months or 9 months before stating that I owe and I explained American Collections agency on what actually happened. I never received any feedback or call from thereon. This charge is now on my credit report for a long time and I want to have it removed. 

I spoke to American Collections agency today explaining that the charge done by the location in XXXX for XXXX is a fraudulent charge. I can imagine anyone charging XXXX USD flat fee for a car cleaning where the car was rented for a week will have small dust particles because of walking. I also ensured the same before leaving the car that if I need to do anything at the time of check up. 

American Collection agency is basically being biased and saying that their customers rent a lot of cars and they know what they are doing. With all due respect they do not want to resolve this dispute. I called their office like 4 times and the lady just hung up on me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX http : //www.payacei.com Email this Business ( XXXX ) XXXX
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.
Consumer complaint received 2020-05-13
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 

The accounts I am talking about are : XXXX XXXX   XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-05-13
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: American Credit Acceptance, LLC (WA)

I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (PA)

Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern There is data on my consumer report that is a result of identity theft. I did not provide XXXX explicit written permission or instruction for identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked AND deleted. My request to block is not being made in error ; nor is my request to block being made based on material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as a consumer. 
XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX You are required to do what I am asking, delete and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You XXXX ; XXXX
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I purchased a XXXX XXXX XXXX financed by Prestige Financial. I have had the vehicle for 7 months and the transfer case is cracked and leaking. The cost of repair the transmission is {$3000.00} and I can no longer afford the car as my current only income is SSDI payments. I called the finance company multiple times, as they would not return any of my calls. I informed them of the situation and my decision to surrender the car while I am not in default on payments. I was told by one person to try to get an offer on the car and they will see about releasing the lien because if not, there would be more fees added to my deficiency. At that time, I requested a settlement if I was to work to sell the car for them. After I was able to get an offer from a car dealer they advised me that they will not take a settlement and they will not accept the car dealer ship offer of {$9500.00} ; the balance owed on the vehicle which is {$19000.00}. At an auction, they may get less and there will be auction fees which they will add to my deficiency. Instead, they will only reply that they have a right to pursue me for the entire loan. I advised them I did not initially call for a settlement or to make an offer, but was only doing what their representative advised when I called to surrender the vehicle. The company is refusing to allow me to surrender the vehicle which will lower the cost of a repossession added to my deficiency and their actions are preventing me from having the deficiency on my credit show as a voluntary repossession. Their refusal to allow me to surrender the car will also have my credit report showing multiple missed payments when currently that is not the case, today is XX/XX/XXXX because I am current my next payment is due on XX/XX/XXXX for {$420.00} which is why I was trying to surrender the car I can no longer afford before its multiple missed payments.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was completely stunned to discover inaccurate accounts on my credit report this morning, with no explanation as to why theyre there. I check my credit report regularly, and this time, these discrepancies just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical error, but the accounts didnt disappear. Because of this, Im requesting that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.