davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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. (OH)

On XX/XX/XXXX, a charge from XXXX in the amount of {$550.00} was made to my Chase Credit Card account. I did not make a purchase at XXXX with the card. I don't purchase from XXXX nor do I wear any XXXX products. I called Chase to report the fraud and they closed the account and issued me a new card and number. They also removed the charge from my account. Today I received a letter from Chase stating they had completed their investigation and that I am responsible for the charge because I received benefit from the transaction. I tried to call them at XXXX EST because the letter stated they were open until XXXX EST but they have changed their hours without changing the letter and were closed. They don't provide me any details as to what their investigation found or the benefit I received from the fraudulent transaction I did not execute. I would like to know what was purchased and where it was sent. I would like to know what their investigation found AND I do not want to be responsible for a charge which I did not execute.
Consumer complaint received 2020-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2019-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (CA)

First of all, discrimination. Loan was under XXXX XXXX, and that has been dissolved and discharged by the SSA under total an permanent disability. 

Secondly, Discover is now trying to collect amount under XXXX XXXX XXXX, which never obtained this loan, thus Discover is involved in gender discrimination. 

Now, they way there is a XXXX  balance, and keeping about {$1000.00} that was incorrectly collected and discover is keeping as loan under XXXX XXXX was indeed discharged under total and permanent disability by the SSA. 

Now, discover is being evasive and not reporting credit truthfully and that the account has been discharged under XXXX XXXX, and moreover, discriminating against XXXX XXXX XXXX, as there is NO loan by her under this entity.
Consumer complaint received 2023-01-06
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. (PA)

I have contacted Transunion, XXXX, and XXXX 6 or 7 times in the past few months challenging the 100 % accurate reporting as required by law of this account and each time they say its verified as accurate... i do not believe they are conducting a proper investigation,,,,,,, first off i dont even know where this account came from... .secondly it is duplicated on my report it is literally reporting twice... i have included a copy of proof... ..this is definitely a violation of my consumer rights
Consumer complaint received 2020-11-06
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: Experian Information Solutions Inc. (OH)

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

1. My vehicle was hit in XXXX XXXX, 2020 and declared at first " Total Loss '' by the hitter 's insurance company, XXXX XXXX. However, I and the insurance company agreed later that my car could be fully saved after repair simply because the damage occurred to trunk only and the mechanical function was never affected by this accident. Therefore, the insurance company paid all repairing cost and the repair was completely done in XXXX. I also achieved the certificate of no mechanical error from the California State government-designated mechanics. 

2. I contacted the California DMV to renew the registration in May, but they said my car was still in salvage status that the Hyundai Motor Finance ( HMF ), the lender for my vehicle, should cancel salvage. The DMV also wanted me to bring a copy of title or lien. 

3. From XXXX, I have contacted HMF and they did not know how to handle this request from DMV. Their insufficient understanding of job knowledge dragged this problem until XXXX. Finally they wanted to receive the cancelation notice of total loss from the insurance company, XXXX XXXX and so XXXX emailed this notice to HMF 's total loss department on XXXX, 2020. Despite numerous contacts with HMF 's customer service which has required 30 to 90 minutes each time, they answered their computer did not show the receipt of notice and so wanted again another email from insurance co. The insurance company again sent an email to total loss dept. of HMF on XXXX XXXX. The insurance company always forwarded me their emails. 

4.Since XXXX XXXX, I have contacted the customer service five times to check if their total loss dept. received the notice from insurance co. However the customer service staff and their supervisor as well again did not know what was going on with their total loss dept. saying apology and asking to wait one or three days or a week. On XXXX XXXX, the supervisor, XXXX, wanted the insurance co. to fax the cancelation notice to their total loss dept. I repeated this ridiculous action asking the insurance co.to send again notice by fax. 

5. Due to failure to respond this simple request on time, the Cal DMV accrued the penalty. And I even was not able to drive this car since XXXX. 
That's why I sincerely look forward to the CFPB 's help in dropping the salvage and covering the loss of my time and DMV 's penalty by Hyundai Motor Finance. 
Thanks you.
Consumer complaint received 2020-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Unwilling to pay me my credit due. The Credit issued to a closed account via XXXX that was closed by capital without notification. So they still own me the credit account as the account was paid in full. They state they are unable to verify me.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

This account showed up on my credit report. I have no knowledge of the debt. There is no signed contractual agreement that shows that I'm to pay this company this debt. There is nothing signed by me and I have never received any type of service or card from this creditor.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (DC)

On XX/XX/XXXX I requested 2 new cards for both of my Fortiva credit card, and retail card accounts. XXXX and Kansas delayed issuing both the cards for 1 month and a half. While they ignored ordering the card my balances kept being depleted as if they had the card themselves after every payment. The available balance would disappear. They put in another order XX/XX/XXXX and again no cards were sent for both accounts yet my available balance kept disappearing. It is not XX/XX/XXXX. I again requested 2 cards for both accounts and none arrived yet they kept apologizing in the chat when I ask for it.
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (IL)

I

DID AUTHORIZE THESE INQUIRES 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-11-13
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: Block, Inc. (NV)

cash app has no customer servce number for m to get any info on who has access to multiple accounts under my name.I 've emailed and haven't had any assistance with obtaining my billing and personal info. I need bank statements and access to new and old username and passwords.i believe people have been fradulently using bank/wire tranfers to move deposit on my account. i also need to know if my government benefits are being direct deposited to any cash app card that under my account.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Automatic Data Processing, Inc. (CA)

ADP XXXX XXXX intentionally disclosed my personal information to over 60 employees without my consent. Ive been asking ADP to refrain from these activities since XX/XX/2020. Since The disclosure of my personal information Ive been a victim of fraud and my safety at risk due to disgruntled employees whove made threats against me.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received funds from the XXXX in XX/XX/2020 deposited into CapitolOne Bank. Today, 5 months later ; CapitolOne decided to close my account and threaten to return funds due to a suspected fraudulent deposit from XXXX. They did not offer me the option to prove that the transaction is legitimate.
Consumer complaint received 2020-10-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

My mortgage is set up through bill pay to be paid automatically through my bank. For the months of XXXX and XXXX my bank accidentally send duplicate payments. All payments received in XXXX {$1300.00}, XXXX {$1000.00} and XXXX {$1000.00} total {$3400.00} should have paid my monthly payments in full from XXXX through XX/XX/2020. XXXX applied some of the money received to my principal rather than to payment. I have been in contact via email and phone asking for all payments received by XXXX to be applied towards payment. As of today XXXX XXXX still has not moved all the money over. The two supervisors that I spoke to that sent me an email saying that they have acknowledged all payments received that they see the error and that they were going to move all the money over are no longer with the company. I don't know what else to do but this company has received over {$3000.00} of my money and my mortgage payment is only {$600.00}. I lost my job back in XXXX due to covid and can not afford for this mistake to go on any longer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Sued XXXX for brand new XXXX  XXXX that had over 15 service appointments spending months in service over the course of just 13 months of ownership. XXXX agreed to lemon the vehicle, and just as this happened a repossession took place. When I spoke to accounting, I was told I had to pay balance in full of XXXX to have the vehicle returned to me even though they were aware of the lemon statutes. I would have paid the XXXX owed to cure a past due balance. I HAD never defaulted before. Had great credit, finances and verifications for everything when I purchased. I recieved horrible treatment and discrimination when I purchased but I needed the vehicle so I proceeded. XXXX XXXX sold the vehicle. They never contacted me. My rights were violated. And this needs to be wiped from my record or required to be reported positive only. I paid on time until I became dismayed and Desponded with such an expensive nightmare. My car had no air condition in CA, 120 degrees with the system fully blowing! Brake issues, car would stop unexpectedly, fluid leaks, sensor failures, just to name a few issues.
Consumer complaint received 2023-01-30
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: Open Dealer Exchange, LLC (IL)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX They gave me a hard inquiry from some place in Arizona and I have called and talked to them and they said they have no auto loan account connected to my name or social and they cant get ahold of the place that ran my credit to find out how they were able to run my credit with out my knowledge and without me applying for anything. 
700CR/XXXX XXXX XXXX  Inquiry : XX/XX/2022 - Automotive ( XXXX ) XXXX The number I called the lady told me she cant help me and I cant talk to the owner I already filed a complaint. Not sure how they ran my credit but I didnt apply for anything with them
Consumer complaint received 2023-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

This car was open fraudulently I am notify the company for years. It has been removed from my XXXX XXXX and also my XXXX, but still being reported to experience I never authorize this, so its not fair.
Consumer complaint received 2023-01-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To Whom IT May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatante and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : I. ) Record type : XXXX XXXX XXXX XXXXXXXX - Reference number : XXXX XXXX. ) Account name : XXXX XXXX XXXX - Account number : XXXX XXXX. ) Account Type : Collection - Account number : XXXX If you do not immediately remove this fraudulent and incomplete information, I will file am additional complaint with the Federal Trade Commission. 

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 dayz to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-07
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlas Services, Inc. (IN)

On XX/XX/20 I applied for a New car loan through XXXX XXXX XXXX in XXXX, In. The 2 companies that were contacted were XXXX XXXX XXXX and XXXX XXXX service. These 2 companies ultimately denied my applications because of 2 NEGATIVE accounts on my Credit Report. The NEGATIVE accounts are with Atlas Collections and were recently Disputed and resolved through C.F.P.B. As it turns out the 2 accounts were turned into my Attorney to go into my Chapter XXXX Bankruptcy. So one of several things have happened to these 2 accounts ( 1 ) The Attorneys office ( XXXX XXXX XXXX ) paralegal failed to turn the submitted bills into our Chapter XXXX ( 2 ) The Paralegal failed to research the accounts that were applied to my Chapter XXXX and forward the info to the Atlas Collections or ( 3 ) The Atlas Collections company has failed to abide by their statement that they would remove the 2 accounts. ( 4 ) Or all of the above. It is almost impossible for a person to repair their credit when you have companies like this that disregard the law and the customer they supposedly represent.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Several checks and cash were deposited into my Wells Fargo checking account via ATM deposit and both local checks and cash were held for an abnormal length of time. Cash deposits are usually immediately available, but not during this time.. I was even threatened to have both my checking and savings accounts closed after over twenty years without any prior issues, overdrafts or low balances. Also, existing funds were held during this time and I could not access accounts online to transfer money or even review my account.
Consumer complaint received 2023-01-20
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.