davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC (AL)

On XX/XX/XXXX, I notified Dave inc through their customer support email address as per their policy and per Federal Requirements that 5 days prior to the due date of my loan that I revoked all authorizations to debit my account. I requested a paperbill for the remaining amount due be sent to my physical address on file with alternative methods of payment to close my account. XXXX responded trying to get me to avoid not doing so and I repeated in emails on the XXXX of XXXX at XXXX XXXX that the revocation be processed and then again at XXXX on the XXXX the revocation stands and then again on XX/XX/XXXX I followed up and stated the account should be closed and the revocation of their authorization to charge my account stood. On Friday, XX/XX/XXXX XXXX XXXX, debited my account for the amount owed after repeated emails revoking their approval. I have issued a notice of Violation of Consumer Protections to the company under the Electronic Fund Transfer Act ( EFTA ) and Regulation E by continuing to initiate unauthorized debit transactions from my account despite revocation of authoriztion.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

I reviewed my Consumer Reports and noticed that I had one late payment on an account I was never late for. Consumer reporting agencies have assume a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thank you.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AutoNation Enterprises Incorporated (TX)

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did use misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute multiple time on 4 inquiries with XXXX, XXXX and XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from the credit bureaus stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is upsetting and made me physically ill. This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I made a huge purchase of over $ XXXX with this online designer high end consignment shop The XXXX XXXX on XX/XX/year> for fur coats to wear in the winter. The description of the coats were very good condition with pictures of coats looking nice with no signs of rips. I trusted them and made the purchase. I opened up the coats and they were not as described. Worn in BAD condition, ripped all over, sizes are too small, coats are smelly, and the items are not even able to wear or fix. I called the company and I was first rudely hung up on. I called back and a rude gentlemen stated that there was a not refundable and non returnable policy. Then I called back upset and a gentleman offered a {$200.00} something dollars return on XXXX coat only and I will have to pay restocking fee and other fees. I dont only have XXXX coat I have XXXX terrible coats that are damaged and I was scammed by this company. I finally called Chase Bank to do an investigation on XXXX  XX/XX/XXXX and on XXXX  XX/XX/XXXX they credited my account a little bit over {$4600.00} and told me it will take 10 days ir more. I even went to my account and sent them pictures of the coats damaged. By XX/XX/XXXX I received two letters that the investigation was completed, that I authorized the purchases and I owe them the full amount back. First of all there is no way they contacted the company and did a full investigation on the damages of these items. The company never contacted me to work anything out if chase did reach out. I also signed up because Chase advertised that they do protect buyers that receive damage goods and etc. I am now reading so many people Chase has done the same thing to and this is very upsetting. Now Im scammed out of thousands out of my bank and Im stuck with items that were falsely advertised that I can not wear for winter and we are approaching winter.
Consumer complaint received 2024-08-23
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. (NC)

Account XXXX XXXX showing closed with a balance of {$150.00} on credit report. I made the payment in the amount of {$150.00} for this account to XXXX XXXX XXXX. Reference Number XXXX, on behalf of XXXX XXXX, yet account still shows on my report with balance.
Consumer complaint received 2024-07-29
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 (NY)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX under Account # XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. 

How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate. 

Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. 

This listed item is entirely inaccurate and incomplete and must be deleted. 

Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 ( A ) ( 4 ) 15 U.S.C. 1681 Section 604 A Section 02 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681b ( A ) ( 2 ) 15 U.S.C. 1681c. ( A ) ( 5 ) Section : It 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.

15 U.S.C. 1681i ( 5 ) ( A ) ( I ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benjamin Chaise Recovery Services LLC. (IL)

XXXX XXXX XXXX contacted. Benjamin Chaise Recovery Services and falsely accused me of owing {$6900.00} for my fathers funeral services that occurred on XXXX. 

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX, an hour before going to proof my dads body, and the day before his service. I was told payment was needed because they had not heard from the insurance company and his policy was not good. And If I did not pay the service would not move forward. So I went to my bank account and got a cashiers check for the full amount owed {$5800.00} with a XXXX balance. 

When we got to the funeral home it was obvious that XXXX Director was angry because she did not think I had this money in my account, and was trying to get more interest money. Also, she was trying to make me buy a coffin when my dad was cremated. Later that night I get a voice call from her assistant that she tore the cashier check. I told her assistant not my problem tape it up. 

Now she is stating I never paid her and the amount owed to her is {$6900.00}, false she was paid in full by me on XXXX!!
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Citibank has switched me over automatically to " Simplified Banking '' and will start charging a XXXX XXXX monthly fee unless I establish direct deposit or maintain a monthly balance that's XXXX higher than previously. The only warning about this " exciting change '' was an email XXXX months ago that didn't clarify fee increases, only that they would be " Providing you with opportunities to waive Monthly Service Fees. '' This fee structure is especially inappropriate given that they haven't offered competitive savings rates for years. I would leave Citibank completely since there are obviously better alternatives on the market, but my oldest lines of credit ( notably checking overdraft for this account ) are with them and I'm worried about the credit impacts given that obtuse system. Frankly it feels like Citibank is leveraging the credit system and their historical dominance in an anti-competitive manner.
Consumer complaint received 2024-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO. (IN)

My payments was locked in on XXXX a month. Then a few months passed and my monthly went up XXXX dollars a few more months later my monthly mortgage. A few more months passed and my monthly mortgage went up again this time XXXX dollars a few months it went up XXXX XXXX dollars. They assured me it was a mistake so months later they lowered it from XXXX to XXXX so it was still to high, but I was barely managing I asked for them to remove my PMI and luckily for me they did so my monthly payment went from XXXX to XXXX for XXXX month only and in no time with only XXXX month of me paying XXXX my mortgage went up yet again and now here we are. With my mortgage continuing to rise I believe there is a more serious matter at hand not sure if I'm being taking advantage of or what but I hope you can help shine some light on my situation
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024 Chase bank claimed I opened a claim for 3 transaction but Ive never opened these claims and all my funds were token out of my account without authorization and I had to open a new account due to my access was given to someone other than myself. I called the fraud team and they stated that it was an online issue and that someone acted as if they were me but it wasnt me. 

Transaction 1. XXXX from XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX pesos
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC (NC)

I submitted my request to remove PMI in XXXX XXXX. I then emailed them on XX/XX/XXXX and I have yet to receive a single voluntary update from NewRez on the status of my PMI cancellation. There have been no letters or emails received to-date regarding the status of the cancellation ( beyond that they are working on my request ) and each update that I have received has only be at the behest of my calls or online chats with Newrez team members. During XXXX online chat, XXXX team member told me that they had not received my request and then I shared with them that my check for {$150.00} had been deposited for several weeks. At this point, they did acknowledge that they did in fact have my request and would be scheduling an appraisal of the property. The appraisal took another XXXX weeks beyond my check being deposited to get scheduled, which is excessive. 

Beyond the lack of communication on the part of Newrez, there has been what appears to me, as many instances of delay tactics and intentional maneuvers to layer communication to avoid accountability to addressing my needs as a consumer. No one appears to be able to answer direct questions as to why this process has taken so long, several people to have looked into the situation during each conversation just to provide an update and any time I request copies of my paperwork ( like the application, appraisal, cancellation policy, etc ), Im met with responses like that document doesnt appear to be uploaded yet or I dont seem to have access to that or youll have to include that request in writing to me. These all appear to be unethical delay tactics to continue collecting unnecessary fees from me and my family. This level of service is unacceptable and should not be acceptable to leaders of this company if they care about customer satisfaction of which this does not appear to be of concern. 

I emailed NewRez of this issue ( on XX/XX/XXXX ) and requested the appraisal that they completed and also requested a copy of the PMI policy, but have only received an email response back stating that they had received my email. I sent the email to XXXX XXXX ( NewRez Servicing Team Leader ) & XXXX XXXX ( NewRez Head of Servicing ) - of which I have received no direct contact from, again beyond the note that they have received my requests.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX BALANCED {$2900.00} XXXX XXXX BALANCED {$640.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-06
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: LEXISNEXIS (FL)

Initially, I called to get a copy of my deletion letter for a previous dispute. I was told on XX/XX/XXXX it was sent to the wrong address and new copy would be sent. To get this done I had to send a copy of my credit card statement which they received and said it was good for 60 days. I also requested a copy of my consumer report that same day. 10 business days passed and I had not gotten the letter or the Report. I called and was told that the letter was on its way and a copy of my consumer report would be attached. When I got the deletion letter it simply looked as though the original deletion letter with old address was printed and mailed with a cover sheet with my current address. No consumer report was attached. I called to see what happened and the representative told me I need to send a copy of my drivers license and a proof of address to assist me which I did. I was told that on XX/XX/XXXX copy of my consumer report was mailed. I then receive a letter dated for XX/XX/XXXX stating that my request for a copy of my consumer report could not be granted due to not being able to verify my identity. I have sent in several documents to Lexis Nexus proving my identity with the identifying numbers they use to retrieve the docs sent upon their request. I have reason to believe they are intentionally refusing to sent a copy of my report to me after I requested and inquired about one being sent on several occasions