davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

This complaint is regarding the charge on XX/XX/18 from XXXX XXXX XXXX XXXX for {$330.00}. I disputed a portion of this charge as my reservation was for a total of {$160.00} as I booked under a qualified rate which was verified upon check in by two XXXX XXXX employees. I authorized the charges for {$160.00}. However, after my departure the hotel chose to charge me based off a different rate. After speaking with the merchant they decided to change my rate after my stay requesting I allow the hotel to make a copy of my government ID which is a federal crime. The hotel made no mention of this rate change until after I had already left the hotel which is a violation of the Visa Interchange agreement, invalidating this charge. 

Chase however only seemed to reply to my dispute with a letter requesting more information. Information which had already been provided. I'm attaching all original documents provided. Chase failed to resolve this dispute in accordance with the visa dispute and interchange agreements. I've also requested that all related documents in Chase 's investigation of this charge be sent to me for review on 2018-XXXX in writing. My previous requests while speaking with Chase dispute resolution analysts were all denied by Chase.
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX, first required me to by gap insurance, wheel and tire coverage and extended warranty I order to acquire a lower loan rate. Then in XXXX XXXX XXXX I had XXXX XXXX called and informed them. I was told that I would not be charged a late pay on my credit reports. To which I found to be a lie. Of course the credit bureaus cover and protect the business to no extent. Ive been advised that the XXXX XXXX XXXX act is being ignored and may need further actions on my part.
Consumer complaint received 2023-06-19
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG HOLDINGS INC (MD)

In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for. 

I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NJ)

I sent a letter on ( XX/XX/XXXX ) to remove the inaccurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX  Date of inquiry : XX/XX/XXXX ERASE IT FROM MY REPORT. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-06-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have wrote several letters to Equifax and the creditor XXXX XXXX XXXX to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to Equifax on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to XXXX XXXX XXXX and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is XXXX XXXX XXXX. Please delete this item - XXXX XXXX XXXX - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. Equifax is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character. 

Copies of my letters and receipts to both Equifax and XXXX XXXX XXXX will be attached please look at the dates PLEASE DELETE XXXX XXXX XXXX FROM MY CREDIT REPORT.
Consumer complaint received 2018-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

I made a payment with AES in early XX/XX/XXXX. I asked that a scheduled payment be cancelled. The customer service representative agreed. The payment was not cancelled. 

Today when I called to ask about the cancelled payment, I was told that my money would be returned in 7 to 14 days. After 14 days, I checked and discovered that my refund has not been processed. On this call, I was told that ( 1 ) the refund request was being reviewed, ( 2 ) the review process can take 10 days and ( 3 ) if the review results in a refund, it will take 30 days for that refund to be issued. 

I was concerned because none of this information was shared in my previous call. I asked the customer service if the process for refunds was listed online because I would like to review it. The representative checked and said that the process was not online. She asked if I wanted to see if the policy could be sent to me. I said yes. The company agreed to send me a special letter outlining their process. 

The process for this company should be ( 1 ) clear and ( 2 )  easy for the customer to find.
Consumer complaint received 2023-06-19
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. (NV)

For ( XXXX XXXX XXXX XXXX  XXXX I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. The content mentioned above has never been certified to meet reporting standards. The data provided has never been verified as accurate, complete, current, or valid.
Consumer complaint received 2023-06-19
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. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

On XX/XX/18 I applied for CITI checking and Savings account under a promotion offering a {$400.00} bonus ( interest ) if requirements were met : deposit {$15000.00} combined new money to the accounts and maintain that balance for 60 days. I captured the offer in a screenshot ( attached ). I was the sole applicant, so I was the first signer on both the checking and savings accounts. 

On XX/XX/18, my initial deposit was credited to the checking account of {$500.00} via mobile deposit and then an ACH of XXXX on XX/XX/XXXX. An initial deposit of {$1000.00} was made via ACH to the savings account, and a subsequent ACH of {$2500.00} posted on XX/XX/XXXX. While I moved some funds between the accounts, the sum total of {$15000.00} was deposited by XX/XX/XXXX and maintained until CITI charged me an fee of {$25.00}, mistakenly, on XX/XX/XXXX. This fee was subsequently credited back to the savings account on XX/XX/XXXX. I maintained the {$15000.00} required until XX/XX/18. 

I contacted CITI on XX/XX/XXXX when I saw the fee charged, as I knew with a combined balance over {$10000.00} service fees were waived. I was told they had not " linked '' the accounts that I applied for in the single application, thus the combined balance didn't apply. I was told they would correct the error and credit the fee. When I asked if it would impact the offer I had applied under, the agent confirmed I was enrolled and indicated as long as the conditions were met I would get the bonus. 

I received notification on XX/XX/XXXX that I had not met the requirements of the offer because the required balances were not maintained. I contacted CITI customer service on XX/XX/XXXX to try to resolve the problem. The customer service agent, " XXXX '', eventaully agreed that the total was maintained and submitted a promotional dispute on my behalf. The case number was XXXX. 

On XX/XX/XXXX I received another email again telling me I had not maintained the balances during the offer period, which apparently was CITI 's resolution of the dispute. 

Since CITI had {$15000.00} of my money on deposit from XX/XX/XXXX until in XX/XX/XXXX, clearly I had in fact maintained the minimum requirement. The only time the amount was reduced was when CITI mistakenly charged me a service fee, which they immediately agreed was in error. However, since they didn't refund the fee until XX/XX/XXXX, they are claiming I didn't maintain the appropriate balance and are not paying me the bonus {$400.00} to which I am entitled.
Consumer complaint received 2018-11-09
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. (MD)

The credit reporting bureaus do not report accurate scores. I understand that scores differ a little on each report but my scores are too different. It is interrupting my attempt to repair my credit and stopping me from having good credit. My XXXX score as of XX/XX/2018 is : XXXX Equifax score as of XX/XX/XXXX is : XXXX XXXX   score as of XX/XX/2018 is : XXXX I need this to be fixed. It seems like a scam to keep me from enjoying the benefits of good credit.
Consumer complaint received 2018-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I received {$24000.00}. from my insurance company for damages to my home. The checks I received had to be endorsed my myself and Loancare. I sent loancare the checks and insuranceclaim check, required an inspection which passed 100 % and I sent supporting documents to show I paid my contractors. I sent all paperwork, they have had my money for 6 weeks ( XX/XX/18 ) and I already paid for all the expenses to my house through my equity line and I am now paying interest as well. I keep getting the runaround with XXXX  regarding my monies. Please help, I have recently read reviews about them online and many many people are reporting similar problems with this company. Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-19
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. (NY)

I called your department after I purchased a credit report with XXXX XXXX  on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. 

Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

On XX/XX/18 there was {$230.00} in my checking account with PNC Bank. On XX/XX/18, there were three ACH debits which hit the account as " Pending ; '' {$72.00} for XXXX XXXX which was due and payable on XX/XX/18, {$120.00} for XXXX XXXX also due and payable on XX/XX/18 and {$430.00} for XXXX  with a due and payable date of XX/XX/18. There was sufficient funds to cover two of these transactions, the {$72.00} for XXXX XXXX Bank and {$120.00} for XXXX XXXX, however, PNC posted the transactions in a manner which I was charged 3 overdraft fees instead of 1 ( the account was overdrawn due to the pending transaction for {$430.00} ). I requested the reimbursement of {$72.00} representing the excess overdraft fees assessed to my account and PNC has yet to rectify the situation.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2018-10-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

I am writing in reference to a dispute with Chase Auto-finance on my credit report for a " missed payment ''. Enclosed you will find supporting documents for my dispute regarding my missed payment according to Chase. Chase alleges that my payment was late in for XXXX, but per the attached supporting documents of Chase statements dating XX/XX/18 to present, the XXXX statement shows no payment due for XXXX ( XX/XX/18 ) and an XXXX payment of {$410.00} for XXXX ( XX/XX/18 ). Thus I did not make a payment for XXXX XX/XX/18 and attempted to make a payment in XXXX several times. 
In attempts to make my payments, Chase customer service was unable to process payments due to an error on their part regarding the account number for my financial institution. I attempted to reconcile the account and pay what was owed but due to their error on their part the payment was reversed several times : XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 WAIVED LATE CHARGE {$20.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00}
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

I was going over my report and found AFNI # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts