davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (FL)

THANK YOU FOR ALL THE HELP PROVIDE I made a despute with my XXXX XXXX and Chase Bank denied refund. 

XXXX  and I are on good grounds in as much as I had the XXXX  during that period. THANK YOU FOR ALL THE HELP YOU PROVIDE. 


XXXX XXXX XXXX XXXX phone XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXXXXXX -- Agent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WWW.CHASEBANK.COM BANK SAID Your XXXX  order would be cancelled. 
DATE XXXX XX/XX/2023 I ASKED CHASE BANk HOW MUCh WAS NEEDED TO PREVENT THE CANCELLATION. 

THEIR STATMENT WAS XXXX XXXXXXXX HAD MONEY IN THE BANK FOR {$330.00}. This amount was enough to cover the items due to be cancelled. {$330.00} was enough to pay all items. I PUT THE MONEY IN THE CHASE BANK IT ARRIVED XX/XX/XXXX AT XXXX XXXX  AND THIS WAS MADE 4 DAYS PRIOR To XX/XX/XXXX. 

This gave them- 4 banking days- to use the money and close the account. the CHASE BANK required 3 to 2 days to complete this action. 
CHASE BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account ending in : XXXX THIS IS THESE STATEMENT FROM CHASE BANK FOR THE Payment amount : {$330.00} MONEY THAT I PUT TO THE ACCOUNT. THE ITEM THAT Effective date : XX/XX/2023 THAT XXXX IS THE XX/XX/XXXX AT XXXXXXXX XXXX Payment authorized on : XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THERE IS -- 4 -- FULL DAYS BEFORE THE DATE OF CANCELLATION. 
THEY DID NOT PAY ANY OF THE CANCELLED ITEMS PRIOR TO XXXX XXXX and THE CANCELLATION WENT AHEAD. 
CHASE TOOK THE MONEY. THEIR STATMENT ON XXXX XX/XX/XXXX of {$330.00} CHASE GOT THE MONEY, AND SENT ME AN EMAIL DATED XX/XX/XXXX, SHOWING THE MONEY IN THEIR ACCT. AND REFUND RETURNS, AND I GET NOTHING AND XXXX  KEEPS THE produts THAT WERE ON SALE. I got nothing. 

-- -- -- -- -- -- -- -- XX/XX/XXXX Order : # XXXX # XXXX NOTE THE SAME ITEM ONLY ONE ORDERED XX/XX/XXXX ORDER # XXXX THIS OCCURED ON XXXX XXXX XXXX and were marked # XXXX with the same number and is very wrong. 
-- -- -- -- -- -- -- -- - XX/XX/XXXX SEE ABOVE THE CANCELLATION WAS XXXX XXXX marked the same. 

I cancelled the Chase Bank card and directly located my Acount with XXXX.
Consumer complaint received 2023-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

Third time complaining. I have a letter from Fed Aid that states I do not owe any money on my student loans. How do you override the fed government database I'm not sure. Please explain my balance again since everywhere and everyone says I do not owe. You are con artists and scammers.
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (GA)

I am writing to address a matter of utmost concern regarding the recent handling of my credit card account Account Number ending in XXXX. 

On XX/XX/XXXX, I contacted Sychrony 's customer service representative to inquire about the ongoing promotion associated with my credit card. The rep clearly explained to me that for balances exceeding {$3000.00}, a XXXX period with no interest rate would apply at any stores as well as XXXX. As per the representative 's guidance, I utilized my card, ensuring my balance exceeded the stated threshold, which was {$4200.00}. 

To ensure a clear understanding of my payment schedule, I called again on XX/XX/XXXX. However, during this conversation, I was shocked to be informed that I did not qualify for the promotion and that I would be subjected to an interest rate. This directly contradicted the information I had been given previously. I escalated the matter and was eventually connected with a XXXX who acknowledged the error on behalf of the representative 's part and expressed apologies. 

The XXXX issued a {$50.00} credit and assured me that no interest rate would be charged for at least XXXX months while the situation was rectified. He advised me to divide the balance of {$4200.00} into 24 months, as per the promotion terms. Additionally, I was directed to contact corporate to address the matter further. 

I promptly sent two faxes to the corporate office on XX/XX/XXXX and XX/XX/XXXX, detailing the circumstances and seeking clarification on the promotion 's application. Regrettably, I have yet to receive any response or acknowledgment from your corporate team. Meanwhile, an interest charge of {$120.00} has been applied to my account, exacerbating the situation. 

Despite speaking with the XXXX and following the suggested payment approach, I have been met with no communication and no resolution from the corporate office. It has been immensely frustrating and disheartening to be caught in this predicament due to no fault of my own.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-22
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: NAVY FEDERAL CREDIT UNION (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting multiple accounts that the furnisher requested to be removed. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (GA)

The account in question was charged off in the amount of {$12000.00} and is reported as being 100 % paid off however I hav not received a 1099c in order to file with the IRS or the title to my vehicle.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023 I CLOSED my checking/savings account with Citizens Bank XXXX 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX  {$5.00} from my closed account. Because the account was closed there were no funds to complete this transaction resulting in Citizens Bank charging me {$81.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account again. Because the account was closed there were no funds to complete this transaction again resulting in Citizens Bank charging me {$91.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank sent me a letter stating the Reason for Returns. You gave the company permission to debit your account but revoked authorization before the debit took place. 

I called Citizens Bank and spoke to a customer service representative who proceeded to tell me that they reopened my account and paid the funds twice on my behalf and proceed to charge me with over draft fees. 

I was unable to resolve this situation to my satisfaction with Citizens Bank. 

On XXXX I received a letter from Citizens Bank stating that they were closing my account because they have not received a full deposit to bring the account current and have sent me to Citizens Bank Collections .
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX has sent me an update for the XXXX renivestagation of an identy fraud case after i have requested the documants that they are using to do the reinvestigation many times nothing had ever been even they only re add the collection to my account after the collection agency sent a letter for them to remove the id fraud case is part of the same account they keep adding also i have signed up for thier service and they will not give my scores they continue to ask for payment. I have canceled the service and my information even on the free site is not there i sent many cert mail and called them many times to have the information given this is a violation of my rights INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : XXXX  Balance : {$28000.00} Date Updated : XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$0.00} ) Last Payment Made : XX/XX/XXXX High Balance : {$32000.00} Original Charge-off : {$34000.00} Past Due : XXXX $ XXXX Pay Status : >Charged Off< Terms : {$0.00} per month, paid Monthly for 80 months XXXX Delinquency of 120 days in XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; >UNPAID BALANCE CHARGED OFF< Date Issued : XXXX XX/XX/XXXX Page XXXX of XXXX INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
XXXX XXXX XXXX # XXXX ( C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type XXXX XXXX XXXX Balance : {$22000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) Original Amount : {$22000.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pay Status : >In Collection< please see XXXX XXXX of XXXX request to deleted also those company are not legally allowed to collect debt in florida
Consumer complaint received 2024-08-21
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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act 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 violate 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.
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX XXXX Employer - A FISRT NAME BASIS Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged FIRST PREMIE - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - MADE XXXX YOUTH CLEANIN Incorrect Previous Address : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-08-19
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. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. ) Your agency is in violation!

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 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX according to XXXX-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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).