davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
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. (VA)

On XX/XX/24 XXXX I rented a card at XXXX XXXX for about XXXX hours to get from XXXX XXXX to XXXX, and dropped it off after fueling at the XXXX location at XXXX. When I got my charge, it showed that I was charged over double what my estimated charges were supposed to be ( not including tolls which were paid separately ). I tried calling the XXXX and XXXX XXXX multiple times and I either don't get anyone to talk to or they say they will look into it or call me back and they never do. I also called the main customer service line and they won't let me speak to a XXXX or provide me a number for a regional or district manager. I even emailed the XXXX customer service and they ignored me after I said I need to speak with a higher level manager. So I ended up disputing the charge with my Chase credit card and submitted to different sources of proof as to what the charges were. Chase is now saying they will close the dispute because XXXX sent them and invoice that shows different than what I was supposed to be charged. Thw whole point of a chargeback is toprotect you from instances like this, but Chase is not protecting me. At this rate anyone with a credit card number and invoice can charge whatever they want to your card and Chase won't do anything because their invoice was given. It is absolutely absurd.
Consumer complaint received 2024-08-28
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: BARCLAYS BANK DELAWARE (PA)

I have one collection account and 4 inquiries on my credit report I do not recognize. 
Which includes : XXXX XXXX XXXX for {$3400.00} Date of this account is XX/XX/XXXX. I disputed this account multiple times. I called to tell them I do not recognize this account and it still remains on my credit report. Also there are 4 inquiries which are Barclays Bank Delaware and XXXX. Barclays Bank Delaware dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX inquiry date is XX/XX/XXXX. I have no knowledge of any of these accounts.
Consumer complaint received 2023-06-05
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

I have reported to credit bureaus that this woefully unprofessional and substandard mortgage company completely stopped reporting to credit bureaus as of XX/XX/year>. So, as of today, my account is {$2000.00} higher than what it should be. I must get this rectified asap bc it is adversely affecting my credit score and ability to get certain loan products for my businesses. Nationstar/Mr Cooper bought my loan from XXXX Bank in XX/XX/year> and it has been downhill from there. Its customer service is appalling and I have little to no faith in dealing with them. Company has a litany of poor/bad customer ratings online and is seemingly inept or grossly mismanaged. Very frustrating to have an incorrect credit report with zero explanation as to why they stopped reporting on XX/XX/year>.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: BARCLAYS BANK DELAWARE (TX)

There are numerous of payday loan accounts that were taken out in my name however my signature was forged by my ex-husband. in our divorce decree it states that he was to take care of said accounts associated with payday loan accounts for which he had signed my name on the check, used my social security number and date of birth. He would use his cell number in the event loan companies contacted.

He also charged up a credit card in my name ( Barclays ) with out my knowledge. He changed contact, log in and password information so that i was not able to log in to account. As for the monthly statements, he would intercept the mail. i had no knowledge that card was being used. I never used the card ; this was suppose to be my emergency card. i am receiving constant phone calls from debt collectors, as well as being name in a law suit for Barclays Credit Card due to no payment, for which I did not use. My credit rating has been driven down making it impossible to be able to get credit cards for emergencies. My father has had to put my name on his cards as an authorized user. Was unable to be approved for a loan to finance my A/C unit at home. if needed i am able to provide copies of payday loan checks where he signed my name.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TN)

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. Account name : XXXX XXXX I, 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-13
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. (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 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 2024-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

Upon logging in to XXXX Bank 's website I selected the option to pay my current balance. On their website there are XXXX options : pay the minimum payment, the statement balance or the current balance. 

Since I knew I would be away from home caring for a sick relative, I elected to pay the current balance as of XX/XX/year>. The payment displayed online as {$170.00}. However, according to Commenity that balance was not correct as they access something called a " minimum interest fee. '' They also had not applied a late payment as of that that date, despite XX/XX/year> being after my due date. Therefore, the following month I was billed a {$30.00} late fee- despite their system displaying my current balance as only {$170.00}. The following month I recieved a text message stating they were trying to reach me about my late payment. Apparently I have now been charged another late fee on top of my late fee and a {$2.00} " minimum interest fee '' despite paying back the {$170.00} I borrowed in full. So despite requesting to pay my balance in full on XX/XX/year>, I have now been accessed {$62.00} in additional fees and no new purchases. I tried working with the company and they are not willing to waive more than {$15.00} of those fees. However, {$60.00} in late fees and a {$2.00} charge, is very excessive given I have a {$0.00} balance. I reached out trying to get fees waived entirely and pay the intial {$30.00} in fees. XXXX representatives argued with me and stated that wasn't enough and would not accept my payments by phone.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TX)

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all 3 creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX, Balance of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXX XXXX  XXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2024-08-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC (VA)

On XX/XX/XXXXXXXX XXXX XXXX XXXX  was listed on my credit report showing collection for late payments dating back to XXXX and a balance of & XXXX. On XX/XX/XXXX I sent them a debt validation request. On XX/XX/XXXX I received a response showing the original creditor as SpeedyCash for a debt created on XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX working and living in XXXX, XXXX, and XXXX XXXX, XXXX. Upon returning to the XXXX in XXXX, I recalled sending Speedy Cash a copy of my passport showing that I NEVER applied for any loan. 
The validation information sent from XXXX XXXX XXXX does not contain my signature, correct address, or banking account, nor an agreement showing how they became a creditor. I have filed disputes with credit bureaus and they all returned as a valid debt.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (OH)

On XX/XX/year> I received a Zelle payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following Zelle transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via Zelle from his account without his authorization. As a result Zelle has blocked my zelle account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CO)

I applied for a credit card with Chase through a referral link on XX/XX/year>. My original application was denied for suspected fraud. I called the number they provided in a letter and confirmed it wasnt fraud. They said they would reprocess it and get back to me, they never did. I called again they said the application expired and I had to reapply and they had to pull my credit a second time ( XX/XX/year> ), they assured me this time it wouldnt be denied for suspected fraud. That application was later denied for suspected fraud. I later called and then provided my drivers license for authentication, denied for suspected fraud again, then I called and provided my passport, denied again for suspected fraud. I went into a branch and they said the only way to fix the situation is to apply again and pull my credit for the 3rd time. I have letters for each time they denied me as evidence. I called probably 20 times and Chase continually lied to me and damaged my credit. When I tried to discuss these issues with them they said theres nothing they can do.
Consumer complaint received 2022-10-28
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: ALLY FINANCIAL INC. (GA)

In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My previous legal name was XXXX XXXX but changed to XXXX XXXX XXXX when XXXX in XXXX. I checked my credit score in early XXXX and got around XXXX from all three bureaus including TransUnion. I was trying to acquire a loan from a lender in XXXX and they told me that TransUnion record was frozen. I signed up with my new name and same social security number, which wasn't changed, and found out that I don't have any credit history. As the previous report by XX/XX/XXXX, everything was fine. I disputed with TransUnion, but got no response from real person, except a bunch of machine responses. 

Because the social security number has never changed, the credit history should not be new. They should be able to match my old record with the new name just like other two bureaus did. But they repeatedly denied my requests. 

My purchase has a closing date, and I am risking my deposits. So, I hope someone could really help to let them check into this simple case. I believe it's just a small technical bug, but need to be heeded by real man, not fool the customers around with robot machines.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I hope this message finds you well. I am writing to express my frustration and seek your assistance regarding an urgent matter that has arisen with my account. 

On Saturday, I deposited my check, and at the time, I was informed that the funds would be available the following day. Given that it is now Monday and the funds are still not accessible, I find myself in a challenging situation that I did not anticipate. The delay in the availability of my funds has significantly impacted my ability to provide for my family, particularly in purchasing food for my children. 

As a customer, I rely on timely access to my funds for essential expenses, and I trusted that the information I received would hold true. Unfortunately, this experience has left me in a difficult position, and I am now concerned about my ability to meet the immediate needs of my household. 

I kindly urge you to look into this matter with urgency. If there has been an error or if further action is required on my part, please let me know. I would greatly appreciate your prompt response so that I can resolve this situation and ensure that my family has access to the necessary resources. 

Thank you for your attention to this urgent issue. I look forward to hearing from you soon.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

To whom it may concern : I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681. Upon reviewing my credit report, I found the following inaccurate items, which I did not authorize or provide consent for reporting : 1. Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX This address is incorrect and should be removed from my credit file as I have no connection to it 2. Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not provide written consent to these creditors to furnish or obtain my personal information, as required by law under 15 U.S.C 1681b. Therefore, I request that these accounts be removed from my credit report immediately.

Please investigate this matter and remove the inaccurate information within 30-day period as required by law. I expect to receive written confirmation once the requested corrections have been made.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I am writing to formally dispute the collection account listed on my credit report from XXXX XXXX I believe this account is being inaccurately reported.

Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that a collector claims I owe. I am requesting that the credit bureau verify this collection account with the creditor or collection agency to ensure its accuracy and legitimacy. If this account can not be validated with proper documentation, including proof that the debt is mine and that all collection practices were compliant with federal law, it must be removed from my credit report immediately.

Additionally, I request that you provide me with a copy of any documentation that was used to verify the accuracy of this collection account. If the collection agency can not provide evidence that this debt is mine, this account must be deleted from my credit file under the Fair Credit Reporting Act ( FCRA ).

Please consider this letter as a formal dispute of the reported collection account. If you can not verify the validity of this debt within the statutory timeframe, please delete this account from my credit report and send me a written confirmation of the deletion.

Thank you for your prompt attention to this matter. I look forward to your response and an updated copy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Submitted borrower defense cases in late XXXX due to the schools XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being accused of misleading students along with false promises. Borrower defense cases were approved in XX/XX/XXXX. Have been trying to get a resolution from the Department of Education and my loan servicer ( EdFinancial ) for the last year. However when reaching out to either one, they immediately start pointing at the other company for resolution. Was informed by XXXX on XXXX that a refund of {$5300.00} was to issued. However that money has not been received in full. The loan servicer and Department of Education keep changing the amounts at random. Latest amount was on XXXX XXXX in the amount of {$2300.00}. Of which only {$1500.00} has been received. Department of Education and EdFinancial are refusing to honor written documentation from them in the correct amounts. Court documents attached show that all of the students loans and credit repair was to be completed by XX/XX/XXXX. However this has not happened. Legal documents have been filed by the XXXXXXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diverse Funding Associates LLC (AL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).