davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}.

Chase has given me proof of payment, but the merchant bank claims that does not prove they received it.

Amount : {$570.00} My bank : Chase Merchant bank : XXXX XXXX XXXX  Date sent : XX/XX/2021 XXXX : XXXX at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ). 

- XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full. 
- Note : I am including a copy of the check ( less my PII ) for your inspection. 
- XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ). 

- XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full. 
- XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}. 

- XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full. 

- XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}. 

How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )? 
How many months are they going to keep assessing additional interest charges for their mistake? 

- XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped. 

Please help.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc. (FL)

I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so XXXX stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my XXXX XXXX  debit card. My money stolen for these others was someone using the money for gaming on Google. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has XXXX XXXX, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for Google gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-25
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. (GA)

I have previously disputed with XXXX XXXX  and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The date of the credit opening is XXXX2020 in the amount of {$460.00}. I called Portfolio Recovery twice and disputed this 2 other times ( in total 4 times ) and they said that it's my debt. It definitely is not mine. I did not open this credit card.
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-26
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. (MO)

I am filing the complaint against XXXX, EXPERIAN and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had XXXX response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2022-02-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (ID)

My truck was totaled and paid in full to American Credit Acceptance from XXXX XXXX. The truck was totaled on XX/XX/XXXX and paid in full to their office over the phone by XXXX XXXX on XX/XX/XXXX. I still get daily emails from them about an overdue balance. I paid the late fees {$100.00} XXXX days ago also and that hasn't been updated either ( which I realize could take longer to process ). I have contacted them on numerous occasions and the keep telling me that they still haven't recieved payment. I have told them multiple times that I have the invoice stating it was paid in full on XX/XX/XXXX.
Consumer complaint received 2022-02-25
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: Marlette Funding, LLC (MA)

I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX/MARLETTE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc. (GA)

In XX/XX/2001 upon my XXXX  XXXX. I instructed the ambulance to take me - from the airport to XXXX XXXX XXXX- because I have a charity care with XXXX XXXX. However, they decided to take me to XXXX XXXX I didnt know where this was at the time because I was in so much pain and couldnt breathe. 
However, upon getting to south XXXX it was decided upon that I needed immediate XXXX and it was done- but, I needed XXXX again & was transported to XXXX XXXX XXXX my request- but, medical situation dedicated otherwise. 
I was transferred and while being there I spoke to the nurses/doctors/social worker/s regarding my no insurance. It was taken into consideration and was given the speech on financial assistance -FAP . Upon release I wasnt given those documents- long story it was horrible to say the least And now we are here. So, Im surprised at this juncture Im reported to collections without given lawful ways via FCRA etc and calls after calls by agency how do i correct this? Also, they have placed these bills on my credit report Ive reached out to the agency twice and still no changes. Ive also contacted the hospital where they are willing to work with me for financial assistance but the bills keep showing up on my credit report even after I told the credit reporting agency - XXXX  and they have done nothing.
Consumer complaint received 2022-02-25
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK (NV)

I got a forbearance on my mortgage because of problems during the covid-19 problem. I'm a XXXX XXXX XXXX veteran and they have me paying not quite my whole mortgage while they are supposed to work out a new plan for me to catch up on my mortgage and become current. Since then they have reported all the missed payments to the credit bureau and now my credit really sucks. They are not suppose to do this and since it's a VA backed loan, I think that the people in this mortgage company should go to JAIL. The company is Midland Mortgage and my paperwork just was transfered to them from another servicer. This isn't the way this program was suppose to work and now they are making me look like a complete idiot. Time to fix this now!
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (KY)

I am filing this complaint against Sequium Asset Solutions , LLC, because they are trying to collect a debt that I agree I owe some on but I do not owe all of the fees they say I do and I have tried to contact the company to resolve this issue.. It is an original debt from XXXX, and they will not provide me with the documentation showing what I really owe. My bill was {$72.00} monthly, and the bill they say I owe is {$100.00}, because the last bill owed was {$91.00}, but they could not tell me why the bill was this much. I have been trying to resolve this with XXXX since XXXX of 2021. The XXXX phone number for this account was XXXX. All I want is for XXXX to show me an itemized copy of my last bill.
Consumer complaint received 2022-02-25
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  SXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Hi my name is XXXX XXXX XXXX and as this complaint is for Experian. They needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date XXXX XXXX XX/XX/2021
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (TX)

XX/XX/2022, I sent a wire transfer of {$18000.00} to Discover Bank from XXXX XXXX XXXX Bank. The wire was denied due to my married name not being updated on my Discover account. Discover Bank then sent it back on XX/XX/2022. Unfortunately there is no accurate documentation to confirm that transaction was made. XXXX XXXX XXXX has attempted multiple times this week to get in touch with Discover Bank, but the wire department is not responding to XXXX XXXX. I was also told I would receive a generated form that provided information regarding confirmation and tracking information for the return, but have not received that information either. The Customer Service line has been wonderful in attempting to assist with me this issue, however, Discover Banks Executive Office has been refusing to respond to me personally to emails and return phone calls with voicemails left with them in order to get updates on this investigation. It has been 9 days since I have heard from Discovers investigation team. Communication from Discover Banks Executive team and wiring department have been making this situation seem there is fraudulent activity going on and they are withholding my funds. This issue has been escalated so far, I have had to pursue legal action against Discover Bank. I am frustrated and emotionally distraught because of this situation.It has been a MONTH since Discover supposedly sent the funds back, but can not provide accurate information regarding this.
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (UT)

My debt collector contacted one of my family members asking for my exact location. I am over 18 and no longer have any guardianships. They contacted me during work hours and after missing their call, they contact my aunt, who was never listed as a reference anywhere in the loan. Im not sure how they got a hold of my aunts information.
Consumer complaint received 2022-02-25
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: Tesla, Inc. (VA)

On XX/XX/XXXX my wife and I applied for credit to purchase a vehicle from Tesla Motors through XXXX XXXX XXXX XXXX. Our loan application was approved. Unfortunately, more than 60 days transpired with Tesla Motors not having delivered the vehicle to us, so the loan approval expired. 

On XX/XX/XXXX, Tesla Motors submitted new loan applications, without my consent, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I have contacted Tesla Motors numerous times seeking assistance since this has occurred, both by telephone and email, and have been informed by two associates that this is not standard practice ; however, Tesla Motors has been unwilling to acknowledge that the applications were submitted without my consent and has refused to assist in making sure that these unauthorized loan applications are retracted from my credit report.

The numerous loan applications, which were submitted without my consent, have caused damage to my credit report.

I am simply requesting that Tesla Motors either contact the banks they submitted the loan applications to on my behalf to retract the applications or acknowledge, in writing, that the applications were submitted without my consent so that I may present the necessary proof to the credit bureaus that the applications were unauthorized in order to secure the removal of the false information on my consumer credit report. 

Thank you.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022 I have contacted XXXX, XXXX and Experian several times about the inaccuracies on the Dept of EDXXXX XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.
Consumer complaint received 2022-02-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (IL)

I contacted affirm about a company they paid for a product I never received and the company agreed to return the money to affirm. 
I told affirm I contacted the company XXXX and XXXX sent email to me stating they return the money back to affirm. Affirm Continue to harass me after I sent the email stating this. I don't believe they ever contacted XXXX about their funds and now they sent this to a debt collector in which they never informed me off this. 
They still end up putting this debt on my credit report. I believe they got their money back and they are trying to get double paid. They have not talk with me or sent any letter about if they got their return money back from XXXX.
Consumer complaint received 2022-02-26
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)

I have sent in numerous dispute letters and XXXX reports to XXXX, Transunion, and XXXX to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXXXXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.