davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NJ)

On XX/XX/XXXX of XXXX, around XXXX in California , two transactions where done on my Chime checking account with out my approval or knowledge of the purchase until I got the notification. The transaction where down at a XXXX for XXXX and XXXX until my checking account was XXXX. I informed chime right away regarding the transaction as it happen. They informed me they cant do anything until the transaction is posted after 3 days. On the 3rd day, when the transaction was posted I fill the dispute with Chime bank. They ask me all the questions of what, when and how. I explain ; I was in my California apartment when I got the notification. They than informed to send and proof of your apartment address. I did! A copy of my lease and utilities bill. They gave me a the Spiel of there policy, it will take up to 90 days to investigate and in 10 days you will get a credit. I said ok.

On the second day after they closed my dispute with our notification, I called them to see what happened, and they closed due to not receiving notification. I said thats wrong I did. So then they send me a email to send the documents. So they could open the case again. And they open the case again. On the 9th day I called them to see whats going on. And they said tomorrow, you will get the credit. I said great! The next day, they denied my case. I called and ask for explanation, they just say my case was denied no reason. I said open up Investigate and they open up again a 3rd time. 10 days later again, a denial. The 4th time opening up the case, I send a copy of my car gps that day. And my driven record that day with the make and model. Saying, its impossible to waste almost XXXX dollars of gas in myVehicle. They apologized! And gave me an excuse to open up the case again. As of today XX/XX/XXXX, they closed my dispute and ask to reopen the case again. I had them open the case 5 times already for my money. Chime says its the bots that do the Decisions.
Consumer complaint received 2018-01-11
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: Global Lending Services LLC (IL)

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot gun '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. JPMCB CARD Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by JPMCB CARD Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-08-10
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 did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit XXXX XXXXXXXX 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
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/XXXX I submitted a fraudulent charge claim to USAA due to 2 transactions ( XXXX for {$120.00} and XXXX for {$350.00} ) that I did not authorize being charged to my account due to my card being stolen and used against my permission. My card was replaced by USAA, but on XX/XX/XXXX, after a review the fraudulent charge claim was denied with the reasoning of " Transaction data shows CHIP was used ''. I then attempted to appeal the decision and submitted additional documentation regarding the theft. I do not remember the exact date I submitted these documents, but on XX/XX/XXXX I received the same reasoning for the denial. I then called again, had the claim reopened and received a XXXX denial on XX/XX/XXXX. I was told over the phone that nothing else could be done and the claim could not be reopened.
Consumer complaint received 2023-08-10
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. (MD)

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX ( nothing ). I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof
Consumer complaint received 2018-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

XX/XX/2014 I began working with Navient to consolidate my federal student loans. I paid them a total of {$600.00} and was advised that my loans were paid in full. My loans were also taken off my credit report ; they returned a year later and while attempting to contact Navient, I was advised that they could not locate my account.
Consumer complaint received 2023-11-08
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: CAINE & WEINER COMPANY, INC. (PA)

This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Consumer complaint received 2018-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.
Consumer complaint received 2023-08-10
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-10
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are following on my credit report. 

XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$560.00} ; XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} ; XXXX XX/XX/2023.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Transunion credit reporting keeps dropping my score. On XX/XX/XXXX they drop my score 6 points because 3 old accounts were removed. On XX/XX/XXXX I pay off two accounts totals of {$800.00} and one was removed XX/XX/XXXX and the other its still showing on my account as unpaid, and my score hasn't changed.. I'm getting emails for credit monitoring service from this company. This is not the first time this has happen, I have to watch my credit like a hawk or they lowering it for no reason. This is unfair and I'm sick of it. Unfairly reporting and than the nerves to send emails offers to correct or improve your score. This seems to be a practice of theirs I put in an complaint for the same reason in XX/XX/XXXX. They also have me as 5 years in credit age nothing could be father from the truth Ive had credit of some kind for at least 30 years. It seems that they trying to keep my score under 750. My payment history has been 99 % for more than a year.
Consumer complaint received 2023-08-10
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-03
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$18000.00}.
Consumer complaint received 2023-08-10
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. (FL)

I filed bankruptcy when I lost my home and I was told my student loans were not included. I am now aware that my student loans should have been considered in my discharged amount of debt.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IN)

XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.
Consumer complaint received 2024-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In XX/XX/XXXX, I visited XXXX XXXX to see if I could buy a used car. I had a credit score over XXXX and a deposit. The salesman let me look at a XXXX car. It looked nice on the outside. We did not test drive it. Instead, he took me to an office to see if the numbers would work. I agreed to make a {$1500.00} deposit. Soon he was having me sign paperwork without explaining any of it. I was overwhelmed. I told him I could only pay {$750.00} immediately because I needed to transfer money. I thought that might slow down the deal so I could come back another day. To my surprise, he said that was fine but not to tell the bank. 

When I got home, I realized that I had been charged nearly {$24000.00} for a six-year old car that had over XXXX miles on it. Even worse, the interest rate was XXXX % and my total cost would be over {$40000.00}. The next day, my co-workers agreed that it was a bad deal. I went back to XXXX XXXX with someone I trust and offered to allow the dealer to keep the {$750.00} deposit I had made if I could return the car. They refused. We left, but later returned the car with the keys to their lot. 

I called the loan company immediately, told them what happened and what I had done. The person I spoke to was very sympathetic but made no promises. Since then, Credit Acceptance has continued to send me bills and called me nearly daily even though I have told them that I am not in possession of the car.
Consumer complaint received 2023-08-03
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. (NV)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report U S DEPT OF EDXXXX XXXX Balance : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX Balance : {$200.00}
Consumer complaint received 2018-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION (WI)

I have a small XXXX business and use the XXXX gas cards to purchase gasoline. 
1 ) We receive monthly statements with 5 other monthly reports via email. 
2 ) The customer statement shows the total balance for the month, but it doesn't shows fees showing in a different report " the management report '', when we pay the bills normally within 48 hours our accounts payable don't look at the management report, ( we think that the public would like to see extras fees and charges in the main " customer statement '' 3 ) We send the payment right away and the credit card company receive the payments late in some cases, charging us around {$240.00} in fees for the last 2 month. ( but more in the course of the year ) 4 ) They give us 15 days to pay the bills, but they send statements on weekend, or the day after the closing statement ( seems like the are trying to cut days so the statements get in customers hands later, we are under the impression even if we send the payment right away it doesn't allow enough time for the mail to get the payment there on time ). They won't be able to change the term to 30 days. 
5 ) I called today and express my concern and the lady gave me her apologies because it was the system fault because the payment get there before the due date but because of XXXX it was posted on the XX/XX/XXXX, ( what if I wouldn't call, would they reimburse me the money. I doubt it ). 
6 ) We are really concern about to how many people is this happening, I asked the lady and she said that nobody call about the issue. I doubt it.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P. (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

I made payments from my bank account and the loan provider marked my account delinquent despite the automatic withdrawals from my bank going through. When I called my bank to give me a proof of payment they said everything went through and was processed and oportun never credited my account and the loan was charged off and they call me multiple times a day.
Consumer complaint received 2018-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (PA)

Wrote letter on XXXX to CAINE & WEINER that  negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify  me by mail before placing negative items on my credit report. Advised CAINE & WEINER to removed incorrect information off my credit report. More importantly, CAINE & WEINER are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from CAINE & WEINER.
Consumer complaint received 2018-01-11
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: AMERICAN EXPRESS COMPANY (IL)

I had a friend use my referral link to apply for an American Express Business credit card on XX/XX/17 and be instantly approved. The referral bonus is supposed to be XXXX XXXX points that American Express owes me. I have since not received any points and I have contacted American Express about it multiple times. They originally opened an investigation and said it would be at most 4-6 weeks to get it resolved. It has now surpassed that and every time I call American Express, I am told that the investigation is still open and they will reach out to me within a week which never happens.