davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

See attached. 
Get these panhandling frauds out of my email inbox. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Rights Reserved XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020 I noticed 3 XXXX  transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic.
Consumer complaint received 2020-11-26
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. (GA)

I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as posssible.
Consumer complaint received 2023-07-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Reliable Credit Association, Inc. (WA)

Reliable Credit Associates bought a contract from a dealership XXXX XXXX XXXXXXXX XXXX in XX/XX/2012. 
This dealership has committed title fraud and odometer reading is obviously signed off by the consumer finance company and the dealership in order to in sure a better payout when a default happens or end of the contract. 
This dealership sold XXXX product 's where used without my permission or knowledge. 
You will see the discrepancies in the DOL XXXX  history report that I obtained.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: MoneyLion Inc. (MA)

My father had an account with MoneyLion and was being billed $ XXXXmonth for membership fees. He passed away on XX/XX/XXXX, and MoneyLion was notified within two weeks. At that time, they said they would cancel the account. 

At the beginning of XXXX, they deducted the membership fee from the bank account. We sent a copy of the death certificate, again asked that they terminate the membership, and asked for a refund for the previous month 's charges. They didn't ( and still haven't ) responded. 

It's now approaching the XXXX billing date. When I called to resolve this, they told me I had to submit a support ticket on their website. 

I've sent them a death certificate, letters of administration, and an oath of personal representative from the court.I 've asked that they close the account and stop automatic withdrawals immediately. It's now been 3.5 months since the initial contact, and they have yet to respond.
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX, the funds for the remaining monies owed on the title loan ( {$64.00} ) was paid to Titlemax XXXX Resolution Department located in XXXX, Texas. I was informed I would receive release letter via mail. When I did not receive the release letter within two weeks, I contacted the Resolution Department in Texas. The representative said it would take up to 14 days before the release letter would arrive to my address. I provided the representative my current address. I waited three weeks before contacting the Resolution Department again. The representative advised the account had not been paid. I provided the representative with the confirmation number provided by the initial representative. I offered to pay the balance again. However, the representative voiced she would send it to the compliance department to resolve the matter. When I didn't hear anything, I called Resolution Department a fourth time. I was on hold for approximately 45 minutes. My wife attempted to resolve the matter. She spoke with XXXX XXXX, who provided an email address to send confirmation of the payment. XXXX XXXX stated she would send the documentation to compliance. My wife called XX/XX/XXXX to find out the status of the title release. XXXX, a supervisor, indicated no action had been taken to release the hold on my title. It has been 3 months and I still have not received a release letter or a clear title to my vehicle. I have been given the run around going from Titlemax in XXXX, Georgia to making numerous telephone calls to resolve this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-20
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-03-19
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: WELLS FARGO & COMPANY (OH)

Last week, on Wednesday, XX/XX/2019 this bank ran our credit - sought a credit report - and they were not approved to do so. 

We gave permission for XXXX and/or  the local XXXX dealer to provide financing ; but did not authorize any other party or another third party to have access to our information/credit. 

XXXX XXXX XXXX in XXXX, OH gave these companies permission to run our credit, but we did not authorize that ; nor did we expect that to happen. 

We were told XXXX would be our lender, but I guess they couldn't match what our bank offered us and they looked and looked for someone that would ; but failed.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (OK)

US Bank Loan claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

US Bank dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I was approved for Marriott XXXX XXXX Card with a 5 free nights ( XXXX each night ) on XX/XX/22 and will get the rewards once I met the spending requirement of $ XXXX. The Chase company customer service told me today XX/XX/22 that the last day to meet the spending requirement is XX/XX/22 but I HAVE NOT RECEIVED THE CARD YET AS OF TODAY, per customer service the card is en route as it was sent on XX/XX/22.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/21 I visited the XXXX XXXX. The clerk assisting that day was not only the clerk but also the owner and manager. He was having computer issues that day and after seeing a decline on the machine he stated he would be rerunning the transaction. After several minutes he then stated that the transaction went through but was unable to provide a receipt due to the computer issues. Later that evening I noticed that the one transaction of {$35.00} that I authorized was actually charged 4 times, 3 times I did not authorized. I immediately contacted CHASE and disputed the charges. On XX/XX/21 CHASE informed me that they reversed the charges because they state I authorized the charges. I contacted the XXXX Store who confirmed he only received one payment of {$35.00} and he confirmed he did not receive 4 payments but he stated he is unable to provide me with his banking records and he advised me to contact CHASE who he said should reach out to him and he could provide records to CHASE, just not me. I contacted CHASE again and gave them this information and they said they don't contact merchants but would open the dispute case again with the updated information. They again denied the dispute stating I authorized the 3 additional charges of {$35.00} but they are refusing to contact the merchant who has confirmed he DID NOT receive 4 payments and he DID NOT authorize 4 payments, he only received and authorized 1. CHASE is refusing to contact the merchant and refusing to process this dispute when I have confirmed that I did not authorize these 3 duplicate and fraudulent charges.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (ID)

XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with Equifax to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard (CA)

On XXXX XXXX. I received a notice stating a legal action would be taken on a debt that I dispute. On XX/XX/XXXX, I mailed out a letter replying to notce. I openly disputed debt. ( please see attached ). 

On XX/XX/2019 at approximately XXXX XXXX, a representative of Nelson and Kennard left a Court Summons on the front porch floor of my home address. A neighbor and cameras have the man recorded.
Consumer complaint received 2020-08-04
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. (MD)

On XX/XX/XXXX, I purchased two round-trip airline tickets on XXXX XXXX for flights occurring from the United States to XXXX on XXXX XX/XX/XXXX and returning XX/XX/XXXX. XXXX flight was for myself, and the other was for my mother. Each flight was {$850.00}, and for two tickets, totaled {$1700.00} ( please note, letter to Chase on XX/XX/XXXX, incorrectly indicates ticket amount was {$650.00}. The correct amount is {$850.00} for each ticket ). 

In XXXX and early XX/XX/XXXX, due to the corona-virus pandemic, I realized that these flights might not occur. XXXX XXXX suspended its operations in XXXX or XX/XX/XXXX, and on XX/XX/XXXX, issued a press release stating that its operations would be suspended through XX/XX/XXXX. Therefore, I understood these flights to be canceled, and in fact, the flights, like many others in the world, did not occur on those dates. 

In late XX/XX/XXXX, I contacted XXXX XXXX through ticket aggregator XXXX and asked for a refund due to the flight cancellation. XXXX XXXX refused to abide by the law of the United States ( that is, if the airline cancels a flight, they are to refund the ticket ). XXXX was not able to assist. 

On XX/XX/XXXX, I contacted Chase Visa Card Services at XXXX, by telphone and spoke with XXXX ( name " XXXX '' ) to dispute these charges based on the fact that the merchant, XXXX XXXX, did not provide the service and refused the refund. Chase said it would reverse the charges, but did not. 

On XX/XX/XXXX, I wrote a letter to Chase disputing these charges from XXXX XXXX. I also disputed other charges that have since been resolved. Chase reponded on XX/XX/XXXX, and gave me less than a week to respond. I attach their response to me, as well as the form they asked me to complete. 

On XX/XX/XXXX, I called Chase and spoke with a woman who did not seem to understand that the pandemic forced many commercial passenger flights to be cancelled and that therefore airlines denied service to paying customers. Several airlines, including XXXX XXXX, also refused refunds and instead tried to issue credits. 
She asked me for proof of cancellation, such as an email from the airline, stating that flight was cancelled. The best I have been able to come up with is a press release, dated XX/XX/XXXX, from XXXX XXXX, stating that service is suspended through XX/XX/XXXX. I did not receive any written communications directly from XXXX XXXX, and XXXX maintained its communications with me by telephone. It seems to me that XXXX and XXXX XXXX were very careful not to put explicit flight cancellations in writing to individual customers ; however, a corporate press release suspending all flights seems sufficient proof to conclude that the flights did not occur by the airline 's choice and that I am entitled to a refund under the law. Please note that I did not cancel these flights.
Consumer complaint received 2019-12-09
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: EQUIFAX, INC. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-11-09
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX 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 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