davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX unauthorised Hard enquiries on my account which are XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given EXPERIAN any right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these FRAUDULANT Enquiries on my consumer report and file. It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX XXXX XXXX  XXXX of my closest friend and lawyer posted on XXXX a few things she was trying to sell for her uncle who was moving to a XXXX home, so I wanted to reserve a few stuff so I send {$2000.00} to her " XXXX '' account, within XXXX minutes after my transfer my friend call me and other friends to let us know that her XXXX account got hacked ( I have screenshots of everything ) after XXXX minutes from my transfer a got in touch to the Citi bank fraud phone who got me on the phone for around XXXX hrs. ( XXXX different calls because they hung up me and they kept trying to transfer with different departments and since it was night time they have people from different countries answering the phone and most of them couldn't understand the help I needed. I have all the calls on my phone ) Finally the open a case under my name, block my account but never tried to reverse the payment. Next day XX/XX/XXXX I go to a Citi bank in person and ask to talk to a XXXX, who wasn't there for that week, so other person at the front desk help me to see if my case was open and told me I'll have to wait for XXXX business day until the resolution. XX/XX/XXXX I start to ask for updates about the case but nothing yet until XX/XX/XXXX when they give me a {$2000.00} credit until the investigation was close. A few days after they close the investigation with no notification ( every time I wanted to know anything I was the XXXX trying to contact them ) and took off the {$2000.00} credit since they denied the case.
Consumer complaint received 2024-08-21
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: INDEPENDENCE HOME LOANS LLC (MS)

Back in XXXX of this year I had tried to get a VA mortgage refinance loan. In that process, I had to do an appraisal. I was told it would be {$600.00}, which I paid using my credit card. That is the fee that is supposed to be charged to do a VA appraisal. On my next credit card statement, it showed I had been charged {$660.00}. {$69.00} over what I had been told. I ended up going to another mortgage company for several different reasons, one of which was the overcharging me for the appraisal. The other reasons were they kept messing up on the paperwork, such as wrong address, wrong amount of loan, and other mistakes on the loan paperwork. Another huge issue was they were going to charge me 5 % on points under Origination charges as part of the closing costs, which is way above what should be charged. 

I ended up having to block him from contacting me further due to getting into it with him over the errors and his unprofessionalism. 

The mortgage company and loan officer is : XXXX XXXXXXXX XXXX XXXX XXXX Executive Loan Officer, NMLS # XXXX Phone XXXX ext XXXX Fax XXXX Email XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX NMLS License # XXXXXXXX XXXX XXXX XXXX License # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

XX/XX/year> filed out complaint for money getting stolen from me. They reimbursed the most of the disputes but on XX/XX/year> they closed the account and stated I wouldnt get a refund for the XXXX to XXXX I had in my account nor would they give me back lovey I had in a credit builder account which is XXXX dollars. They are just going to take my XXXX dollars and not give me any reason why they are taking my money. 
This is chime with XXXX XXXX
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

I only found out I owed a debt because of my credit dropping drastically. When I called the company number provided by the credit bureau, the representative did not tell me any info about what this alleged debt was for or when it occurred. The rep gave me a XXXX XXXX XXXX address that was apparently used to get credit or open an account in my name, and I told them this was fraud likely because of the XXXX  data breach I was affected by. I was told I would be sent a fraud packet but was given no timeline for this and have not received it. When I tried calling again I was placed on hold for XXXX minutes and was not able to speak to a representative to follow up. Meanwhile, my perfect credit score has dropped by XXXX points and I cant get a representative to communicate with me or update me.
Consumer complaint received 2024-08-16
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. (NY)

I placed an order on XXXX XXXX for 2 window air conditioner 's, since i didn't receive my order i filed a dispute with XXXX XXXX, the seller provided a XXXX tracking #. 

i then filed a claim chase back, as i paid for this order with my chase debit card. and they also denied my dispute. since the seller provided a XXXX tracking #. with chase i thought ill have a better chance to get this cleared, as i have been their costumer for 25 years, and very rarely dispute a charge, and they speak English. i explained to them that the tracking # provided. although its a package that was delivered to the same city and state. # 1 it wasn't a package that was delivered to my house. and wasn't even directed to be delivered to my home address as i confirmed with XXXX so it wasn't a mistake by the delivery driver. just someone else tracking #. # 2 the front door seen on the image on the tracking number isn't a door at my house. # 3 tracking confirmation is for 1 box and i ordered 2 boxes # 4 the weight on the XXXX tacking is only 18 lb. and the item i ordered is 2x 35 lb. total weight of 70lb. 

after reviewing reviews for this XXXX XXXX  seller i noticed that this seller has a pattern of providing false XXXX  tracking # to fight claims
Consumer complaint received 2024-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I received letter from Bank of America and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank Statements and had no chance to properly address this issue. Several times I filed dispute with Bank of America, XXXX, XXXX and XXXX. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from Bank of America, XXXX, XXXX and XXXX.
Consumer complaint received 2024-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

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 ). 
Please delete the following accounts. 
CBXXXX XXXXXXXX CB/KAY XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (OH)

Chase Bank denied over XXXX fraudulent charges in less than XXXX hours they gave me a reason that I waited too long to report it, the first charge happened in XXXX, the last XX/XX/XXXX, I made the report XX/XX/XXXX, it was denied the same day. 
They then said they'd credit some of the charges in a letter I received. They then decided they weren't going to do that either because they can't prove it was fraudulent.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

On my American Express app I was given an offer bonus of XXXX Amex points to sign up for the Amex Gold card. I used an online point calculator and saw that this was worth around $ XXXX {$2000.00} dollars depending on redemption methods. I deemed that the application was worth it considering the XXXX XXXX  yearly card fee. I noted this offer and decided I would apply. I did not have time to apply immediately, but decided I would when I had the opportunity. 

Several weeks later I applied. I did so by googling the offer. The offer I found was XXXX. I did not remember that the previous offer I had received was for XXXX points. I simply remembered that there was a bonus offer of many thousands of points that were worth approximately $ XXXX {$2000.00}. 

After some webpage errors in the application process I decided to call in to apply by phone. The agent walked me through the phone application process and verified my XXXX bonus offer. At no point did he make it known I had an available XXXX point offer instead. I applied for the card and it was approved. 

Less than an hour later I logged into my app again and saw there was still an offer for the gold card, but it showed XXXX points instead of the XXXX points I had just signed up for moments ago. I called Amex phone support but then said the correct department was closed. I called the next day ( today ) and told them the situation. Both agents I worked with said it was impossible to change the offer. 

I do not believe it is impossible to change the offer. I made an honest, human mistake that I believe would be fair to have Amex correct, especially because the agent during the application process had the ability to correct me but did not. I am excited to have this card, but this first step has left a rather unpleasant taste that I believe is unnecessary and unfair. 

As of writing this complaint, the XXXX offer is still available on my account, and says it will remain available until XX/XX/year>. 

As I do not currently have my new accounts card number, I have placed the last 5 digits of another credit card I have with Amex to assist in locating my account for this complaint.
Consumer complaint received 2024-08-11
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. (SD)

purchased item on XXXX, paid with XXXX XXXX, then thru Chase XXXX. Disputed charged to all due to did not work. seller sent me return labelXXXX XXXXXXXX and I sent back, and he sent me email he received. XXXX XXXX XXXX return, Pay Pal, put in sellers favor, due to I had dispute with Chase, Chase reversed there credit due to Pay Pay response. Then XXXX XXXX put dispute in my favor and resent monies to Chase. Chase won't release my {$860.00}, I have had a 3 way phone call and Pay pay says it is In hands of bank, bank says they have no record of the money transfer. This has gone for
Consumer complaint received 2024-08-04
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. (MA)

Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request XXXX XXXX be deleted like they were deleted XXXX XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: VW Credit, Inc (TX)

I called VW Credit, spoke with XXXX mitigation, lender department in XX/XX/XXXX to explain I could no longer afford to pay for the XXXX XXXX XXXX XXXX  that I wish I could, that I was going through hardship, my job ended, financial crisis, unforeseen family legal situation concerning my daugther moving in with me after her moms passing. He was willing to work with me to get caught up on my payments, so that I could stay in the vehicle. He gave me another XXXX XXXX XXXX  to see if I could borrow the money. He said ok if you cant borrow by XXXX, XXXX, XXXX I could voluntarily surrender the vehicle. I said I would to the VW XXXX dealership where I purchased it. I voluntarily surrender the vehicle the agreed date to the finance manger who XXXX who processed the paperwork at purchase. I then called the VW Credit mitigation department the same day to tell them I surrender the vehicle. A representative said XXXX wasn't available that I could leave the information with him. A month after I turned the vehicle in to VW dealership a wrecker truck came to my house looking for the vehicle. We told him its been surrender a month ago. I received a letter from VW Credit , INC recovery dated XXXX XXXX. I received it in the mail XX/XX/XXXX. Their is no proof of auction sale etc.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

On or about XX/XX/XXXX, I as a consumer aquire a lease from XXXX XXXX if XXXX, for personal, family and household purposes, I and XXXX XXXX XXXX, agreed by contract to certain terms and conditions ( as I reserve my rights ) for a 30 month lease with a security deposit of XXXX dollars, which was express to me that I would get those security and funds back, if I dod not want to purchase said contract at the end of the lease, after 30 months of having the automobile, I enquired about taking full ownership, upon requesting, XXXX XXXX of XXXX through there agents/workers, try to make me pay over XXXX dollars, to have full ownership to the automobile, ( which was never mention or told to me or put in a contract ) after the disappointment, I asked for my security deposit of XXXX dollars, ( which was not given to me ) so after the 30 months, I and XXXX XXXX XXXX by way of telephone communication, extending the lease, to give me more time and to go elsewhere to find a financial institution to assign said contract and take full ownership, for a additional 3 months, after the 3 months a inquired about my security deposit of XXXX dollars and they brushed it off, but a month later my account was credited XXXX and then a month later, XXXX XXXX XXXX, stated that the credit was in error and reversed it, but agree to extend my lease for another 3 months, and sent a contract, that I had to sign, and upon looking at tge contract , I put my terms and faxed it to XXXX XXXX XXXX , I continue making payments for the monthly bills that XXXX XXXX XXXX sent each month, as a assumed the lease was extended until a financial institution could be found, ( XXXX XXXX XXXX , put a late payment on my credit report and after disputing that error, they reverse my late charge but did not reserve the reporting of that alleged late payment, which put a bad mark on my credit report, ) in good faith, I made and continue to make the monthly payments that was due by way of XXXX XXXX XXXX , sending me a bill each month, but to my surprise and shock, on or about XX/XX/XXXX XXXX XXXX XXXX sent a tow truck at my daughters home that I was visiting at XXXXXXXX XXXX to seize my automobile and my possessions that were inside, with a warrant, court order, or any documents, stating that XXXX XXXX XXXX XXXX XXXX my automobile, or possessions that were inside without my consent and XXXX XXXX XXXX XXXX never gave me, due process, or notice of any such actions, I would have handle it properly if given notice, and when calling XXXX XXXX XXXX , I was told to get a lawyer and I can't talk to there legal department if I was nit a lawyer, ( given me legal advice, and I don't belive they have a license to practice law ) the woman was " XXXX ''
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-15
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. (NC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The Company has the incorrect address for on my credit report causing a derogatory mark on my credit report. 

I have spoken to them previously and they haven't removed the address. 

I also reported the issue to Experian with negative results.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.