davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit 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. (CA)

I opened a dispute charge with my JP Morgan Chase Visa credit card for a reservation made with an outside US company ( XXXX XXXX  ). The charge {$340.00} for a reservation made incorrectly by the reservation company. 

I emailed XXXX XXXX within minutes asking for reservation cancellation, as the reservation they made for me did not meet my requirements. The company responded back saying they will not be returning my money, as their fee for cancellation is 100 %. This information had never been disclosed to me prior to making the reservation. 

JP Morgan Chase Visa card closed my dispute and did not credit me back for the charge. They failed to shield me against dishonest entities and their charging habits.
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (TX)

The previous dispute was closed without any attempted action whatsoever. I'm not seeking a contact from the company I'm seeking resolution. 
This medical debt was not properly charged to the insurance and should not have been sent to collections. The hospital made a billing error, sent that to collections, and sent it to the wrong address. UCB has continuously lied about their contact efforts having never called me and never made an attempt to collect this debt. When they placed it on my credit report I contacted them to make a payment arrangement only to be told I must pay the entire balance or don't even bother paying. At the time of the hospitalization I had dual insurance companies- Friday ( XXXX ) and XXXX. Friday had a fully met deductible and covered hospital stays at XXXX XXXX The hospital -only- billed XXXX for this. By the time UCB attempted to collect this, the time period from Friday had waited so long the hospital could no longer attempt to charge it. This is a billing error.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm in a constant dispute with this account information called XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX the information violates my rights as a consumer the account continues to report in the year of 2024 which The state of texas the information as the right to report for only 4 years it's past the statue of limitations. if this inaccurate information continues to report I will have result in ligation. This has majorly impacted my ability to obtain credit, I have requested information and have not received documentation supporting theses accounts. XXXX has removed this information but equifax is still reporting false information, the credit bureau must fall into compliance with reporting the correct information. 15 USC 1681
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (AL)

In XX/XX/XXXX on XXXX shows as 30 days past due and on XXXX as 60 days past due. In XX/XX/XXXX, XXXX shows as 60 days past due and on XXXX it shows as 90 days past due. In XXXX of XXXX XXXX is reporting me as 90 days past due and In XXXX of XXXX One Main is showing me as 60 days past due but says the last payment was received in XX/XX/XXXX and then in XXXX and XXXX of XXXX, the past due days jump to 150. On XXXX in XX/XX/XXXX, its reporting as 120 days past due and in XXXX of XXXX, it drops to 90 days past due with the last payment being made in XXXX of XXXX and then it jumps to 150 days past due in XXXX and XXXX of XXXX. On XXXX XXXX late payments are reported. This inaccurate and inconsistent information and One Main is direct violation of the FCRA and CFPB regulations. Please remove this from my credit immediately and I am also requesting {$1000.00} for each violation. I have disputed this account on several occasions with the credit bureaus as well.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

i have made several attempts, during my medical leave, they declined to work with me, so i can make the affordable payment with the original creditor XXXX XXXX,, credit card balance was {$500.00}, they sold the debt to LVNV Funding, now all these other fees are included in ending balance. 

I offered a settlement offer to XXXX XXXX, whom said they don't do that, LVNV add 's in their fees outside the balance that is owed to the creditor. It will not be what you actually owe
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (CO)

This. Company has called me leaving messages saying they are " XXXX XXXX ''. In some days they have called XXXX times per day with the same message. I'm not sure if this an auto dialed call or if XXXX XXXXXXXX somehow forgot she already called my number .... Multiple times. Also I find repeated and continued phone calls not only abusive but harassing. 

This company has also tried to use vague and threatening tactics discussing what they could do to my XXXX XXXX of I didn't pay. 

Their repeated, harassing, and threatening calls and tactics disrupt my day and use of my phone without
Consumer complaint received 2024-10-11
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (OK)

On XX/XX/year> I was charged a XXXXXXXX XXXX  membership fee from the bright app. I do not use the bright app. I asked them to send a refund on the same day and every day since then but they are just giving me the runaround. They said it was sent, now they say they can't send it. I was provided a tracking id for the return but it is useless. I contacted my bank and they said there is no record of a return
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NV)

Date : XX/XX/2023 Amounts : {$1200.00} Issues : Opened an online checking account with Chase Bank. Deposit my first check ( it was refund of security deposit from rental property ) and the account is restricted due to bank employee unable to verify the check so they cant release the fund. 

Actions : Its been a year, I called chase bank more than thirty times trying to resolve the issues. I went to the bank directly with all the letter and papers proof, still did not work out because they cant reach out to the maker of the check through the phone number thats on the check. I called the maker ( company ) on my own and get their phone number because they told me that they working home not in the office ( its a different number that is not printed on the check ) so they barely pickup the phone number or have to leave a voice mail to call back ( thats how I get their personal phone number ). I even get them connected with the bank employee but the bank employee say the only way to verify the check has to be through the phone number thats on the check, which means they will not release the fund until the check get verified with the maker through the phone number thats on the check.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was switched from XXXX XXXX XXXX XXXX loan servicer and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that XXXX XXXX has not reported anything. So I called XXXX XXXX XXXX and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I no longer have access to the email account under which I signed up for service from Experian. Due to this, there is no way to log in through their website. I called customer service multiple times during their posted business hours and their automated phone tree dead-ends with any option I attempt. There is no easy or clear way to fix this problem, and in the meantime I have a recurring bill every month they are charging me for. 

I can't get a hold of a live agent no matter what option I try. At first I tried using the automated system by providing information related to my issue. After many attempts I realized the system was designed XXXX XXXX me back to the website or write to Experian via snail mail. I tried other methods, such as asking to report fraud or start a credit freeze, all in an attempt to get a live person and it always ends with the suggestion to go to their website- which, TO BE CLEAR, can not resolve my problem. 

Experian is doing very well financially ( look it up ) but are obviously cutting costs with customer service at the EXPENSE of their customers.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (IL)

This account, linked to a vehicle that was fraudulently registered in my name using a fake ID, has been the cause of significant distress. I complied fully with NCB COLLECTION XXXXXXXX XXXX XXXX requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that NCB management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ XXXX XXXX ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their representatives and a manager, this fraudulent account has not been removed from my credit report. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my credit report is unacceptable and damaging to my financial standing.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX XXXX  Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ;
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened my Wells Fargo account in XX/XX/XXXX, shortly after legally changing my name from XXXX XXXX to XXXX XXXX XXXX. At that time, I had five checks issued to me by XXXX XXXX in my former name. I decided to deposit one of these checks into my new account. 

I deposited the check in early XXXX ( Reference # XXXX ). However, on XX/XX/XXXXXXXX XXXX I received a notice stating that my account was closed. The letter explained, A deposit was made to your account on XX/XX/XXXXXXXX During our review, we determined that you are not entitled to these funds. If there is a remaining balance, we will mail you a check. 

I repeatedly attempted to resolve this by contacting Wells Fargo. Each time I called, I was transferred between departments without any resolution. After weeks of this, one representative even suggested I visit a branch in person for assistance, but unfortunately, that also led nowhere. 

In the meantime, I contacted XXXX XXXX and successfully had the checks reissued in my new name. However, XXXX XXXX confirmed they couldnt assist with one of the five checks because it had already been cashed by Wells Fargo. 

A year has now passed, and I have yet to receive the funds. I have documentation supporting my claims, including emails with XXXX XXXX, Wells Fargo statements, letters regarding the account closure, the old checks in my former name, stubs of the new checks in my current name ( except the one cashed by Wells Fargo ), and my name change decree.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (UT)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (TN)

I have not supplied proof under the doctrine of estoppel by slience engerlhard v gravens ( mo ) 281 sw 715719, I presume that no proof or illegal debt nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX  Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Consumer complaint received 2023-03-13
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. (NE)

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. 

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, 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 report agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sections 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 2024-06-26
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CrossCountry Mortgage LLC (CO)

I submitted a mortgage application on XX/XX/year>2024. I disclosed all required information about myself and my financial obligations. 
On XX/XX/XXXX, XXXX business days prior to the closing date, the underwriter requested additional documents that I was unwilling to provide. 
I had given XXXX XXXX in earnest money and the deadline to cancel the transaction had past.

The deadline to receive a full refund of the earnest money was XX/XX/XXXX. 
The underwriter requested the documents XX/XX/XXXX. 

The underwriter had a copy of the contract with the deadlines. The mortgage processor shared with me that she had repeatedly-more than 10 times-asked the underwriter to please respond with what was needed. The underwriter refused-in writing-to provide the requirements in a timely fashion which would've allowed me to cancel the contract and receive my earnest money.

So now I can not get my XXXX XXXX in earnest money back because the underwriter intentionally was slow/non-responsive.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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