davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (AL)

According to IRS Publication 4681, canceled debt is considered a certificate of indebtedness and is also considered income. Income does not report on consumer reports. XXXX XXXX XXXX XXXX and JP Morgan Chase is in violation of 15 USC 1681a ( 2 ) ( a ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX XXXX XXXX XXXX is reporting {$16000.00} of canceled debt that is considered income and JP Morgan Chase is report {$1300.00} that is considered income. XXXX XXXX XXXX XXXX and JP Morgan Chase is also in violation of the Privacy Act of XXXX and I revoke all authorization given verbal, nonverbal, written, or unwritten per 15USC 6802 and am now opting out. XXXX XXXX XXXX XXXX and JP Morgan Chase have canceled the debt and did not send a 1099c as required by the IRS and are still trying to illegally collect on discharged debt. Because of this violation, the accounts are to be remove from my consumer report immediately due to reporting of inaccuracy. This is a last attempt to resolve the this issue as notices have been sent out on XX/XX/XXXX and have been unanswered.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

I recently reviewed my credit report and noticed several inaccuracies regarding late payment reporting for my account APPLE CARD/GS BANK USA XXXX Specifically XXXX there are late payments reported for the following months : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I believe these late payments are inaccurately reported. According to my records, all payments were made on time. 

Could you please provide proof of these late payments, specifically canceled checks showing the date each payment was processed? I must emphasize that records of transactions alone are not sufficient proof of late payment ; what is required is evidence demonstrating that the payment was indeed processed late. 

Furthermore, to maintain a positive relationship, I am open to resolving this matter through a goodwill adjustment to remove the late payment reporting. This adjustment would greatly assist in correcting my credit report and maintaining my financial health. 

As per the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and verifiable. If you can not provide the requested proof, please remove these inaccuracies from my credit report. 

Thank you for taking the time to look into this matter. Please let me know when you've received this letter and the actions taken to correct my account. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (VT)

I have had a Sears Credit Card for years. Once Sears closed the card is now referred to as Shopyourway. Last year the interest charged was 19.24 %. I received a notice that the interest rate is now 34.24 %. I contacted customer service and requested that my interest rate be reduced. I was told that I am not eligible for a rate reduction. Historically I don't leave a balance on any of my credit cards so I am not charged interest. My concern is the increase appears to be price gouging. The result of my call to the credit card company is I closed this account. My opinion is that I do not want to be associated with a company who would take advantage of people who are unable to pay off purchases before interest is charged. 

I am now waiting for the credit of {$69.00} that is on my account to be returned to me via a check. There was a refund for a purchase I had made and the amount was credited to my Shopyourway Mastercard. Time will tell if they honor this by refunding my money. 

Thank you for anything you can do to stop the interest gouging that some companies engage in on their customers. Corporations should not be harming people to benefit themselves to this extent.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OK)

I got into a wreck XXXX of XXXX 
Credit acceptance put this on my credit report as 3-4 months past due. This ruined my credit and I'm unable to refinance because of this. I wasn't past due. I paid up until total loss.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

A SECOND LETTER REQUESTING INFO : ( first letter dated XX/XX/year> ) regarding my formal debt collection dispute. I am requesting your records for account numbers # XXXX, XXXX, XXXX, and XXXX. I additionally request original creditors agreement stipulating the alleged debts owed by me with all recorded evidence you XXXX claim to have validating the alleged debt. 
I stipulate the original creditor violated the truth and lending act. Also, as the alleged debtor, I deny all of your statements that appear as adverse on the XXXX, -Experian, -Equifax Credit report and any file record pertaining to my personal credit information. I am enclosing XXXX pending investigations pertaining to my personal information being compromised.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (WA)

this information is showing up on my employer background report and this is not me. 

Felony Including Misdemeanor Or Other XXXX, XXXX, PA Status : Complete Score : Eligible Date Completed : XXXXRecord Source XXXXXXXX XXXX XXXX XXXX XXXXXXXX Search Results No Record Found Search Type FELONY INDEX SEARCH INCLUDE MISDEMEANORS Date of Search XX/XX/XXXX Search Period XX/XX/XXXX - XX/XX/XXXX Address Covered XXXX XXXX XXXX Address City Covered XXXX. 

I never lived in XXXX AddrTypeFormer Address FirstDate XX/XX/XXXX XXXX Last XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not a valid address FirstDate XX/XX/XXXX XXXX Last XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (OH)

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 XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

In accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ), I am requesting the removal of certain information from my credit report. As a victim of debt bondage resulting from human trafficking, I have obtained the necessary documentation and a letter from an advocacy group supporting my case.

Please block and delete the following information from my credit report within four business days, as stipulated by Section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX balance {$880.00} Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-13
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: Resurgent Capital Services L.P. (NV)

I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these erroneous accounts has caused significant hardship, affecting my financial stability. I urge you to conduct a comprehensive investigation into each disputed account and take immediate corrective action. 

It is imperative that my credit report is updated and corrected without further delay. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I sincerely request your prompt attention and action on this matter. Your cooperation in resolving this issue swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I am writing to express my concern regarding the enrollment of the {$900.00} account opening bonus coupon associated with the accounts I opened on XX/XX/. It was my understanding that the coupon should have been enrolled at the time of account opening. However, to my frustration, it appears that due to a system issue, the enrollment was not successfully processed. 

It wasnt until XX/XX/ 2024, when I called customer service to confirm, that the problem was identified and the coupon was finally enrolled. The critical issue here is that I had already deposited {$15000.00} into the savings account on XX/XX/2024, under the assumption that my coupon had been correctly applied. 

Given the substantial amount involved, I would like to receive a clear assurance from Chase that this {$15000.00} deposit will count towards meeting the criteria for the {$900.00} bonus. It should be chase and the bankers responsibility for assuring their customers that whether they do what customer demand successfully or not. Apparently the chase and banker dont pay attention when their customer request they want to use coupon to open account and they dont give me the informatio in the immediate time when I open account.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (ME)

On XX/XX/year>, there was a hard inquiry conducted by XXXX XXXX which I do not recognize or authorize. 

I contacted both Equifax and XXXX XXXX regarding this matter multiple times. Equifax told me I would have to contact XXXX XXXX. I sent a letter to XXXX XXXX but the company only sent me a very generic response that did not address my concerns or provide any clarity on the matter. As this inquiry was not initiated or authorized by me, I am requesting that Equifax investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please find attached the letter from XXXX XXXX and my Identity theft report attached.
Consumer complaint received 2024-08-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (CA)

On XXXX I purchased a service from XXXX XXXX to unlock my XXXX. From the XXXX reviews and advertising on their website they stated they can unlock your phone with XXXX. I purchased the service for {$26.00}. They email me and say now I qualify for the full unlocking of the phone for {$89.00} when it never said it was additional charges. I paid the charges anyway to get the phone unlocked. Days after purchase you see the circle grid filling up to say its almost done. It gets all the way up to XXXX  % and has been there since XXXX. I have reached out to mobile unlocked and still no reply. They say they have a 30 day contract with whom ever unlocks their phones. I waited the full 30 days. The phone is still not unlocked at this current time. I provided screenshots of all this to Chime XXXX. They have a lengthy process which I do not agree with. I have been waiting for this merchant for over a month. Now Chimes lengthy process is making this be even a more disaster of a purchase. I express my disappointment and frustration with the process and wanted to see if Chime could expedite my dispute to solve since it was proof and time on my side the merchant never delivered. I even wrote an email to XXXX XXXX XXXX to say this process was very frustrating and could their be anything done in my favor. The next morning I have an email saying my dispute is closed and Chine see anything wrong. So they sided with they merchant who stole {$110.00} for your consumer and thats ok!? After going back and forth with some of their workers who cant seem to understand why I would be frustrated I am now constantly being emailed by Chime and threatened with strikes on my account, account closure, and words of getting law enforcement involved as to say Im threatening them!!! In what manner? I have not made not one threat to no one during my frustrations. I only stated their is legal actions against companies displaying this type of behavior. Something must be done for the consumer to not be bullied by a company this way. To threaten me with law enforcement when Im a hard working father trying to get his money back from a thief merchant.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

My car was a total loss due to an accident. My insurance paid off {$16000.00} and my GAP coverage had paid {$4800.00} which was sent as a direct deposit on XX/XX/year> to Bridgecrest Financial my lien holder. They have applied the $ XXXX to the account. But are holding off for 14 business days to apply the XXXX to my account. Which is causing for my loan to accrue more interest and increase my pay off amount. I sent in {$200.00} as a partial payment. To try to cover the difference based on the money that has been sent to them. They are expecting me to maintain paying the same monthly payment until they decide to apply that payment to my account. They as denying even receiving the money even though Ive provided them with the transaction number.
Consumer complaint received 2024-08-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I had a car loan with USAA credit Union and car was insured with USAA XXXX The car was stolen and was supposed to be paid off. But the USAA insurance did not lease the payment because they thought I was in bankruptcy. So they said the funds would have to be paid to the trustee. My attorney informed USAA that I chose not to proceed with the bankruptcy. But USAA insurance refuse to pay the balance of the car loan to USAA credit union and me the remaining {$1500.00}. I spoke with USAA corporate office about the matter, which corporate was suppose to resolve. Instead of the matter being resolved USAA Credit Union keep turning the account over to different collection agencies.
Consumer complaint received 2024-04-17
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: HW Holding, Inc (TX)

Hard inquiries for car loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the fair credit reporting act. This creator has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My XXXX XXXX account was settled on XX/XX/XXXX due to the bank not closing out my account in XXXX of XXXX as I requested on a recorded phone call despite me thinking that they had fulfilled my request. Due to this error on the representative part, an autopay charge had gone through on the account and was collecting interest unbeknownst to me as I had believed the account was closed. I currently have open cases to remove this negative mark as a whole from my credit report as this was due to XXXX XXXX 's incompetence. However, until this gets resolved I am requesting that the incorrect late payment marks XXXX for XXXX as there are no outstanding payments or late payments for this year. 

Additionally, the XXXX inquiry should be removed as it has been XXXX  years.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (SC)

Account # XXXX & XXXX I am writing to formally lodge a complaint against Wells Fargo regarding their handling of my credit card account, which I believe constitutes violations under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions, the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and potential discriminatory practices. 

Recently, I have noticed that a significant portion of my credit card payments, approximately 80 %, is being allocated towards interest charges. This has caused considerable financial hardship for me. Previously, my interest charges were around 30 % of my payments. However, Wells Fargo recently lowered my credit limit without providing sufficient notice or an opportunity for me to pay off my balance beforehand. This abrupt reduction in my credit limit has adversely affected my credit score. The current interest rate is 30 %. 

While I understand that Wells Fargo has the right to adjust credit limits, I believe that the manner in which they executed this change was unfair and deceptive. By not allowing me adequate time to address my balance before lowering my limit, they have significantly increased my financial burden and negatively impacted my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to fair and accurate reporting of their credit information. Additionally, the XXXX provisions protect consumers from unfair, deceptive, or abusive practices by financial institutions. The Equal Credit Opportunity Act ( XXXX ) ensures that all creditworthy applicants are treated fairly and prohibits discrimination in any aspect of a credit transaction. As a XXXX XXXX, I am concerned that Wells Fargos actions may also reflect discriminatory practices, which have historically affected minority communities. 

To resolve this issue, I propose that Wells Fargo restore my credit limit to its original amount and freeze my account without accruing interest for XXXX year, allowing me to pay off the balance. In exchange, I will agree to never knowingly request credit from Wells Fargo again. 

I request that the CFPB investigate this matter and take appropriate action to ensure that Wells Fargos practices comply with consumer protection laws. Additionally, I seek relief from the excessive interest charges and a review of the credit limit reduction process to prevent similar issues from affecting other consumers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

In XXXX, private student loans were taken out from Navient to attend XXXX XXXX XXXX University. At the time, I was XX/XX/XXXX years old and not fully aware of the long-term implications of these loans, particularly the variable interest rates attached to them. Despite my attempts to locate the original promissory note and other documentation, Navient has not provided these essential documents, leaving me uncertain if I am legally obligated to repay this debt. 

Additionally, I never received proper guidance or counseling from Navient or my school regarding the terms of the loans, the implications of the variable interest rates, or who actually owns the loans now ( as the current owner is listed as Navient Private Loan Trust, which I am unfamiliar with ). I am also unsure whether there was a co-signer on these loans, and my father, who might have been the co-signer, passed away four years ago. 

Given these circumstances, I believe these loans may have been issued under predatory lending practices, targeting me as a minor without providing adequate information or support. I have requested this information from Navient but have not received a response that resolves these concerns. 

Dates : Loans were disbursed on XX/XX/XXXX and XX/XX/XXXX. 
I requested information and documentation from Navient on XX/XX/XXXX. 
My father passed away four years ago - XX/XX/XXXX.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX Opened XX/XX/year> {$3300.00} Please remove all fraudulent accounts.