davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (IL)

ON XX/XX/2021 I had arrived home from a birthday dinner with family, as I exited my car in the driveway I was approached by a man walked down my driveway towards my back door, he was saying '' sir I'm looking for ... .. '' I asked him what his business was here, and he asked again said he was looking for ... ... I never confirmed nor denied as the next thing he said was that he was trying to collect a debt, I asked for who, he stated " some old credit card '' I took the papers and went into my home to better read them as it was already late in the evening, this interaction in my driveway lasted no more than 20 seconds. My complaint is that this debt collection agency contacted me at an unusual time and place in an attempt to collect this debt it was after XXXX XXXX my time here when this stranger approached my car in my driveway on my private property.
Consumer complaint received 2021-06-29
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. (CA)

On Monday, XX/XX/2021 my wallet was taken from my vehicle without my knowledge. I was not aware that my wallet was taken until I received a text message on XX/XX/2021 from my primary bank XXXX that unusual activity had been detected on my card. Soon after I received another notification from Chase that unusual activity had been detected on my account. I immediately got in contact with every financial institution I have a relationship with to cancel my credit cards. I also filed a police report that same day XXXX XX/XX/XXXX XXXX. XXXX reversed the charges immediately. XXXX also reversed all charges. I informed Chase on XX/XX/2021 that my wallet, including my Chase Slate card ending in XXXX had also been taken. 

The disputed transactions include a {$500.00} charge at XXXX XXXX in a city that I do not live in. A {$180.00} charge at XXXX in a city I do not live in. And an {$18.00} charge at XXXX in a city that I do not live in. All these purchases were made on XX/XX/2021. The time of the purchases is not printed on my statement. 

On XX/XX/2021, I received a letter from Chase stating that a fraud team had reviewed my claim and that the charges would be reinstated because they were valid. I was never contacted by any Chase employee or agent during this first investigation. I called Chase as soon as I received the letter to inform them that their conclusion was in error. I was directed over the phone to send supplemental information to an email address with my name last 4 digits of the card number and any supporting documents. Along with the information they requested I sent two police reports that I filed on XX/XX/2021, screenshots of the usual activity notifications that I had received from Chase, XXXX, and XXXX ; and the notice of Fraud on my accounts that I filed with XXXX  on XX/XX/2021. 

On XX/XX/2021 I received a second letter stating that the transactions were valid and reinstating the charges. I was never called for this second investigation and I was never informed that the documents I provided were insufficient to establish my claim. This second letter also referenced an incorrect account number. On XX/XX/2021, I sent a letter via XXXX to Chase notifying them of their obligations under Fair Credit Billing Act and laying out in detail the nature of my claim and sending additional supporting documents such as a bill to replace my driver 's license that was taken along with my wallet, resolution of the dispute in my favor with other institutions, text message communications with my landlord on the day XXXX found out that my car had been broken into, my location on XXXX XXXX  on the day of the purchases, and other documents supporting my fraud claim. 

I have not received a response.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MA)

We previously leased our XXXX XXXX XXXX in Tennessee, and subsequently relocated to the state of Massachusetts in XXXX of XXXX. Per Massachusetts state law, all out of state leased vehicles will need a copy of the title furnished in order to be registered in the state. We notified XXXX XXXX of the move, and they notified us that the title was mailed to our insurance carrier, XXXX, at an address in New York state. Why this decision was made is unclear. The title requirement was explained, and XXXX mailed the title to the Massachusetts Title Division. Unfortunately the title was lost in transit, according to the tracking # as well as via phone conversation with the US Postal Service. The state of TN requires the lienholder to initiate a duplicate title request, and this was relayed to XXXX XXXX in XXXX of XXXX. The process for requesting a duplicate title involves completing a one page form along with a check for {$11.00}. 

Since that time, I have called XXXX XXXX several times, typically once or twice a month, only to be told that the request is still in progress and that I should check back in 1-2 weeks. After 6 months of being told the same status update, I called the TN Department of Revenue to check the status myself. The representative informed me that in fact NO request for a duplicate title had been made whatsoever. This was again confirmed with a follow up phone call the next day. I spoke to XXXX in early XXXX to notify them what the state of TN explained to me, and again was met with vague promises of looking into the matter and assurances that I would be personally notified by a supervisor within 1-2 days. Several days passed without response. When I called back to be connected to a supervisor, I was informed me that the duplicate title request was not supposedly made until XXXX of XXXX, a full 3 months after I placed the request. She stated she would look into the matter further and contact me accordingly. She has yet to call me back. When I called back the following week in XXXX, a different supervisor explained that the correct duplicate title request form and payment were sent off to the TN Dept of Revenue. I was also told that I should expect another follow up phone call within 1-2 business days to confirm. Assuming the form was actually sent, this places the correct action taking place over 6 months from the initial request, and almost one year after we notified XXXX that we were moving to Massachusetts. 

I have yet to receive any contact from XXXX XXXX, and have yet to receive the title. Due to the near one year delay in processing this title fiasco our original TN vehicle registration has expired, preventing us from legally driving the vehicle. We still continue to make lease payments. I have spoke to several 'supervisors ' at XXXX XXXX and written them a letter summarizing the above without a response. 

I appreciate your assistance with this matter.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (WV)

My water utility 's bank allowed it to deposit a check dated XX/XX/2021 with a statement integrally imprinted over the signature " NOT VALID BEFORE DRAFT DATE '' and then my bank accepted it and processed it and charged a {$36.00} overdraft fee. I have copies of the front and back of the check.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

a bought something from XXXX that was shorted and damaged. i sent back what was sent to me. i was never refunded the full amount and disputed with comenity bank. this bank failed to do a dispute but decided to keep calling and hounding me for a payment and reported it to my credit bureaus. after many calls with XXXX and the third party seller not responding to emails i finally threatened legal action and got XXXX  XXXX. XXXX admitted this shouldn't of went this far and the bank should of never put negative remarks on credit report. XXXX XXXX finally gave a refund but credit score was already hurt. comenity violated the fair credit reporting act and also has failed to reply to emails and 2 certified letters sent to there XXXX ohio offices.
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I lost my debit card XX/XX/21 i notices the fraud charges XX/XX/21 i called the police and made a report. I called ways 2 go program and explained i lost the card and gave all transactions that were made. The lady who initially took the call said 2 out of 5 transactions can only be placed in disputes that day because the merchant hasnt collected the funds. It was over 800 in purchases. I called ways 2 go XX/XX/21 and checked on my claim they advised it was denied due to no proof of fraud activity. The card was used as credit in multiple stores using XXXX XXXX and XXXX dollars at a time. Ive never spent this amount ever at a liquor store and also Ive only used debit while having the card. They keep telling me i cant appeal or reopen my decision unless i have new information to provide. This is crazy i am unemployed and have bills to pay. I will get put out if i cant pay my rent. They are offering me no help and dont care to help
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Submitted documentation and Numerous times and cord customer service or several occasions regarding inquiries that was unauthorised and / fraudulent refused to remove inquiries from personal credit report The company requested training credit report and also have received documentation of reversals that inquiries have not yet to be re move for my TransUnion Report TransUnion refuses to do diligence and to my particular situation And make the necessary adjustments Transitionally refuses to offer assistance and representatives of credit bill representatives of credibule have been rude on professional put on professional Uncompassionate of the difficult times that our nation is facing
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I fell for a student loan scammer, it was my first time applying for a loan and I gave the scammer all of my information, social, bank information ( password/ password ) social, address and phone number, I'm a XXXX living in california and I received debts from discover and I called them and told them and I filed a identity theft with the XXXX, they open the credit card since 2017 and been using it using my address, I added an identity theft on my credit report when i found out, Discover even send a lawsuit notice to my house, I'm XXXX years of age and I only had one credit card because I never really had a job and my mom is supporting me, {$4000.00} something dollars on my name, my credit is destroyed because of that, they kept saying it is valid because my information is used, which i kept telling them it is not true, they sent me statement none of which was made by me, I need this resolve beca and I recently just got approved for {$300.00}, one is close and one is open use of this i can not get a student loan or any good credit because a XXXX  scammer decided to ruined me and discover will not help at all I even keep the scammer number, which is XXXX this is not fair, I never thought to check my credit because I had to learn that when I unexpected started receiving debt bills and calls from discover
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (GA)

XX/XX/XXXXhas decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after XXXX  recently completed a dispute investigation I filed a months ago. The account in question is Chrysler Capital for an auto loan. XXXX  credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that XXXX  can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

XXXX  will not let me dispute this error because they just updated the information incorrectly.
Consumer complaint received 2021-07-01
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: Kikoff Inc. (NY)

This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.
Consumer complaint received 2021-07-01
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 did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Original Creditor : ) Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$300.00}
Consumer complaint received 2021-07-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Debt Holdings, LLC (TX)

My mother received a phone call on XX/XX/XXXX from XXXX XXXX from phone # XXXX threating that she needed to provide him my info or he would have me served at my place of employment to be locked up by an officer and that he was trying to spare me the embarrassment and to give me IG # XXXX. When I called the phone number he left the rep. who answered did not identify herself when I asked the name of the company and the reason why they were reaching my mother? Instead asked for an IG # which I provided then started threating me stating I was a criminal and attempted to defraud the system and if I was familiar with a penal code? I then again asked reason for call she started making treats of taking me court which then I asked to speak to her superior. I then talked with XXXX XXXX who gave him is direct ph # XXXX and his company handles civil matters, they were a mediator for XXXX XXXX but that is was a debt collection call and didn't state why his employees were stating otherwise. I asked for a validation of debt which was not provided and also informed him they have now violated the FDCPA laws in place given threating and scare tactics not to mention mini Miranda not being read at the beginning of call.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

After several attempts to get the account removed from my credit profile after learning of the class action settlement. There was a 33 state predatory lending class action settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the people credit affected by there actions. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within days of receipt of this complaint.
Consumer complaint received 2022-08-16
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a formal complaint regarding inaccuracies on my credit report and the lack of response to my disputes. The information on my credit report is not 100 % accurate, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to correct these inaccuracies, my concerns have been ignored by the credit reporting agency and the creditor involved.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (PA)

My complaint is against my mortgage lender Loancare who is not paying a third party debt collector who are trying to collect their fees on delinquent school district taxes.

1. First they did not taxes to school district in year of 2020 leading to involvement of third part debt collector who started sending me notices about delinquent taxes. We informed Loancare about it. The said they will solve it but didnt. No follow up was done.

2. We got second notice from debt collector with increased fees now due to delay. We informed Loancare about it. They said they will resolve it but didnt. No follow up was done.

3. We got third notice from debt collector with increased fees now due to delay. We informed Loancare about it. We started escalating as company did not show any responsibility and accountability. They again said they will resolve it but didnt. No follow up was done. They asked us to call them for follow up this time.

4. We called, they said they have resolved this issue. To no surprise, we got slammed with fourth notice with fees increased again.

5. I tried to escalate with multiple calls. The call center keeps transferring to different managers who says will call back but never do. They never let me speak to their supervisor. They never send any follow up email or calls. They dont allow me to pay off this debt collector and then reimburse me. I am so tired of them. I dont know what to do with their lies and irresponsible behavior.