davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

Unilateral Flight Change and Improper Charge by Chase Travel On XX/XX/XXXX, I received an email from Chase Travel notifying me of an change to my flight reservation. The email offered the option to accept the change or contact Chase Travel for assistance.

In the evening of the same day, I contacted Chase Travel by phone to request an adjustment to the new itinerary. The representative acknowledged my request and collected my contact information, stating they would process the adjustment. However, after a brief hold, the call was abruptly disconnected. 

Upon checking my email, I discovered that the original, undesirable change had been confirmed without my consent or the requested adjustment. Assuming this was an error, I waited for a callback from the representative, but none materialized after XXXX minutes. 

I subsequently contacted Chase Travel again, reiterating my request for the originally agreed-upon adjustment. To my surprise, the customer service representative disputed my claim, stating that the system indicated I had accepted the original change without requesting any modifications. This claim was repeated by a supervisor despite my repeated assertions that I had not authorized the original change. 

The supervisor offered to file a complaint on my behalf, but as of today, XX/XX/XXXX, I have not received any confirmation or update regarding this complaint.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D'Aquila, Contreras and Vega, A Professional Law Corporation (LA)

I called to check on my account to be verified by the law firm so it can update on my credit report. On a recorded line I was told that total Choice credit union stop the payments but the wasnt finished so they would start it back up soon but everything was paid. XXXX XXXX XXXX XXXX on a recorded line asked be to get the documents by email but XXXX XXXX XXXXXXXX refuse to send me those documents so I suggest it to be sent to the credit union at a later date I was sent some off the documents with incorrect date and payments months prior to tht I called be for and my payments werent update now theres another problem I been calling both lenders and debt agencies and I been given the runaround.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 3rd request that I am a victim of identity theft and I complain to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

They call me XXXX XXXX XXXX  this is not my name they keep asking me on a recorded line to say I'm XXXX XXXX. Then they've asked me to pay back over XXXX to a student federal loan
Consumer complaint received 2024-04-14
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: Experian Information Solutions Inc. (IL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/2024 I woke up the vehicle gone. I called Nissan and they had informed me that the car had been repossessed. They stated that I owed them {$2200.00} to obtain the vehicle. I let them know that I would be signing over and power of attorney letter to my sister as I am in XXXX. On XX/XX/XXXX I called to make sure that the letter had been submitted and reviewed so that my sister can obtain the car on my behalf and I double checked the amount due they stated once again it was XXXX. The next day I receive a letter from XXXX in which they are charging me {$2200.00} with a towing fee of {$450.00}. I called them and had one of their representatives yell at me because I was simply trying to understand why it had gone up so much and why they were charging me for the tow. I asked to speak to a manager and the manager was very kind, I explained to them that I dont believe I should pay the towing fee because we live in a gated private property community. The tow company illegally entered the property and the property owner was never contacted. I also called the XXXX police station, and they advise that no one was contacted to enter, and it is against the law for them to even interfere as its a private tow. XXXX said that they would try to resolve this issue and see what they could do. I had my sister contact them, yesterday which is XX/XX/XXXX and they denied being able to give her any information. I submitted a power of attorney letter on the XXXX and the letter still has not been reviewed or even approved. They failed to give me the correct amount owed in which Ive called them twice. I called them myself after they refused any information to my sister and they stated they would not waive the towing fee regardless if the tow was done illegally. They themselves admitted to tow being done illegally. However, they stated it our vehicle that is unprofessional and absolutely embarrassing. That as a finance company they are not informed of the law and My rights as a consumer. Our entire community has multiple signs that state it is a private property. I have arranged for some of my neighbors to obtain footage of them entering the community illegally. Nissan believes that they are in every right to obtain the vehicle. in which they are, however, there are laws rules, and regulations that everyone needs to follow. The tow company they hired has completely violated the breach of peace law. Nissan needs to fix this since they subcontracted them.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2024 XXXX XXXX XXXX Credit card debt Attempts to collect debt not owed RESURGENT CAPITAL SERVICES L.P . 
XX/XX/2024 Closed Company responded XXXX  Since you are not willing to provide me, anything showing why i should do business with you, I am giving you10 days from today to provide me with the original documents, transfer of debt for receivables, or any documentation you can provide showing me what reason we have to do commerce or delete all negative marks from my credit report. 

Govern yourself accordingly!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2024 XXXX XXXX XXXX Credit reporting Improper use of your report RESURGENT CAPITAL SERVICES L.P . 
XX/XX/2024 Closed Company responded Since you are not willing to provide me, anything showing why i should do business with you, I am giving you10 days from today to provide me with the original documents, transfer of debt for receivables, or any documentation you can provide showing me what reason we have to do commerce or delete all negative marks from my credit report.

Govern yourself accordingly!
Consumer complaint received 2023-10-19
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-18
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act Capital One Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Subject : Formal Dispute and Complaint to the Consumer Financial Protection Bureau ( CFPB ) [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/2024 Consumer Financial Protection Bureau Consumer Response XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX [ XX/XX/2024 ] To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of federal regulations, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ), by [ Jefferson Capital System LLC and Transunion ].

The following details outline the violations and discrepancies : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : [ Collection Agency has not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) but yet they place a collection on your consumer report on XX/XX/2024. ] Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : [ You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Collection agency is violating your Consumer right by using false misleadin, misrepresentation and deceptive means on XX/XX/2024 ] Violation of 12 CFR 1006.34 ( d ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) date they posted XX/XX/2024. ] Violation of 15 USC 1681-S 2 ( 7 ) ( A ) : [ Collection authority agency has no authority to furnish any account to a Consumer reporting agencies without providing any and all disclosures requirede by law and they are in clear violation. ] I have made previous attempts to resolve these issues directly with [ Jefferson Capital Sysrtem LLC or XXXX ], but these efforts have been unsuccessful. Enclosed with this letter are copies of all relevant documents supporting my claim, including correspondence with [ Jefferson Capital Systems LLC credit reports, and any other pertinent information.

I am requesting that the CFPB conduct a thorough investigation into these matters and take appropriate action to ensure compliance with federal regulations. Additionally, I request that the CFPB provide me with updates on the status of this investigation and any actions taken. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, [ XXXX XXXX XXXX XXXX ]
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-04-14
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)

I didn't give written permission to have those accounts on my consumer report. Pursuant to 16 USC 1681 a 2 Please remove these three items immediately XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY (NC)

Today I had a truly horrific experience trying to access my American Express High Yield Savings account online. I'm also a credit card customer of American Express, and have rarely had any issues accessing that account, which makes the inability to access their savings product all the more puzzling. My best guess is that theyre just now merging the saving and card sections of their website together and experiencing technical difficulties doing so. I encountered such difficulty in accessing my funds that once I was finally able to access my funds I closed my account and transferred the balance back into my regular checking account, not wanting to risk not being able to ever access the funds again! I urge the CFPB to investigate and correct Amex 's IT issues, in order that other customers might be able to avoid the unpleasantness and fear that I sadly encountered today.
Consumer complaint received 2018-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I am uncertain of the exact date but XX/XX/XXXX and XX/XX/XXXX I received letter from chase bank stating that my account had fraudulent activities done on it adding up to more the three thousand dollars. I called explaining to them that it most of been a mistake because there was no way someone couldve deceived you guys as me and gotten all this money without my authorization!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have two accounts through Venmo which are utilized for sending and receiving money. One is my personal account, and one is a business account. My business account has over {$1400.00} in it. On XX/XX/24 Venmo froze both of my accounts for no reason. All I was told was to reply to an email I received that advised me I needed to attach a copy of my drivers license. I completed that the same day. I chatted online with a representative, as well as speaking to their support team over the phone. I was never given a single reason my funds have been frozen. I was told the only thing to do is to wait to receive an email from an Account Specialist. I was told account specialists are the only team that can help, and there is no other option to be in contact with them other than to simply wait for them to contact me via email in 10-15 business days. I was told by their support team that my case would be escalated and that it would not be 10-15 days. I have heard nothing, and attempted to reach out again this morning. I still can not access my funds, and have been given no reason, nor been able to speak to anyone that can help. These funds are for a childrens non profit, and this is completely unacceptable and unlawful.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (NV)

On my XXXX credit report, I see a credit card account open with " FNB OMAHA '' with the last 4 digits of my credit card number. Unlike other accounts on my report, there is no phone number to contact them, only a XXXX XXXX XXXX address. I also do not have an online account with them. 

I attempted to do a username recovery using my email address, but no message was sent. I attempted to call the support number I found online at XXXX which answers as " Card Services '' and does not mention FNB Omaha. The only prompt is for my XXXX  card number, which I do not have. 

I attempted to dial XXXX ' at the prompt to get an operator, but the automated system insisted on a card number. This also happens if I attempt to contact the fraud number listed on their site, XXXX. They never offered to take my SSN or perform any alternate authentication mechanism. 

If my card had been lost or stolen, how would I ever reach them? They have made it impossible for me to reach them about this account digitally or by phone. 

I want to cancel this card. Please contact me with the necessary steps required to end my credit relationship with FNB Omaha.
Consumer complaint received 2024-04-14
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. (MI)

Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC (MD)

Entered into a hardship agreement with 3 credit cards issued by this servicer. I asked for a written explanation of the hardship agreement and was advised that they could not put the agreement in writing. I had successfully made XXXX  monthly payments on 2 or 3 cards, which should've resulted in the cards being brought current, however I was advised that I missed a payment in XXXX and my agreement was cancelled. Funny thing is when I called in XXXX and XXXX to schedule my payments I was advised that I was under a hardship agreement. 

XXXX account ending in XXXX XXXX account ending in XXXX Cerulean account ending in XXXX All issued by XXXX XXXX
Consumer complaint received 2024-02-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

During the Summer of 2023, I needed financial assistance to relocate for employment. While searching for loan options online via my mobile phone, I came across Credit Fresh. However, during my interaction with the Credit Fresh website, I was not provided with clear information regarding interest rates or payment schedules. Consequently, I was unaware that the loan required large payments every two weeks, and I did not fully understand the terms of the agreement when I entered into it. 

Despite my efforts to make payments, I unexpectedly became involuntarily unemployed and suffered XXXX making it challenging to find work and access necessary medical care.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc. (NM)

We notice a problem, were we were indicated about amount due by a company we do not have ever done Business with ever. we call the XXXX XXXX Department, I inform this was a wrong account been sent to. They ask for a police report it was provided, later they sent information this account has been close. 

I suddenly received a letter from this company please look at the XXXX XXXX XXXX, was dated on the letter XX/XX/24. 

Also envelop has no date stamp in order to determine when this letter was summited, I see this a deceiving tactics. 


I will like original documentation from original complain made from XXXX back sometime when informed to proceed a police report for identity theft and final conclusion. 

I reinstate my concern before hand this is not, has not been our account, ever have ask for any XXXX services ever. 

Therefore from here after, and before, and thereafter, we ask this to be exhume, remove and exonerated this false statement 's.