davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (OH)

I am writing to file a formal complaint against Chase Bank regarding their handling of an unauthorized charge on my account, which I first reported on XX/XX/2024. This complaint stems from their failure to effectively address and resolve the issue, leading to confusion, misinformation, and a lack of proper communication on their part. 

The sequence of events is as follows : Initial Report of Unauthorized Charge : During a business trip, I provided my credit card to a hotel to cover a potential charge of {$1000.00} for incidental expenses. I did not incur any such expenses during my stay. Upon my return, I discovered an unauthorized charge of {$1300.00} on my card. I immediately contacted Chase to dispute this charge. 
Follow-Up and Advice from Chase : After reporting the issue, I followed up a week later for an update. At this point, I was advised to cancel my current card, request a new one, and then report the incident to Chase 's fraud department. I complied with these instructions and requested that the details of our conversation be documented, expressing my concern over what appeared to be an internal passing of responsibility. 
Temporary Resolution : In XX/XX/2024, Chase notified me via letter that the charge had been reversed. However, upon checking my account recently, I discovered that the charge had been reinstated without any explanation. 
Lack of Communication and Misinformation : Despite Chase 's claim of having completed their investigation, I have received minimal information regarding the basis of their decision not to classify the incident as fraud. Their communication has been inadequate, with no calls received ( contrary to their claims ) and misleading letters sent. The most recent communication from the Fraud Investigations Unit, through an individual named XXXX, indicated that the previously reversed charge was, in fact, added back to my account under the guise of having " received a benefit, '' a statement both confusing and incorrect. 
Chase 's handling of this matter has been deeply troubling. Their refusal to provide detailed contact information for their representatives, coupled with a lack of accountability and clear communication, has only compounded the frustration and inconvenience caused by the initial unauthorized charge. The discrepancy between their actions and their verbal and written assurances has eroded my trust in their processes. 

I request a thorough review of this matter, including a clear explanation of Chase 's investigation process and criteria for determining fraud. Additionally, I seek an immediate and permanent reversal of the unauthorized charge, along with an apology for the mishandling of my case and the undue stress it has caused. 

Thank you for your attention to this matter. I am willing to provide any further information required to assist in the resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
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. (FL)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

IN XX/XX/XXXX I VISITED XXXX XXXX OF XXXX IN XXXX FLORIDA. I PAID DIRECT OUT OF POCKET YET BORROWED {$3600.00} AS A DOWN PAYMENT. INTEREST FREE FOR XXXX YEARS. 
I CHECKED WITH MY BANK AND MY PAYMENTS FOR XXXX ARE {$1000.00}. FOR XXXX THE TOTAL AMOUT IS {$1200.00}. AND FOR XXXX IS {$340.00} THUS FAR. ALL XXXX  TOTAL {$2600.00} LEAVING balance of {$940.00}. 

ALPHAEON COMENITY BANK IS UNDER BREAD FINANCIAL. WHAT THEYRE DOING IS CHARGING BACK FROM THE ORIGINAL {$3600.00} AND ARE EXPECTING {$1200.00} FROM LAST ( XXXX ) MONTH N INTEREST THAT COMES TO {$280.00} AND NOW ARE EXPECTIG ME TO PAY {$2500.00} FOR MONTH OF XXXX. ITS LIKE PAYING THE WHOLE AMOUNT XXXX. THE INTEREST FEES THEY'RE CHARGING ME ARE EXHORBITANT AND ABSURD. 

IN XXXX OF THIS YEAR MY MOTHER WENT TO THE HOSPITAL, I GOT SICK MY DAD GOT SICK AND LANDED IN THE HOSPITAL. SO, I MISSED THE DEADLINE TO PAY OFF THE BALANCE OF {$940.00}. 

THIS BANKING INSTITUTIOIN WAS OFFEERED THROUGH THE XXXX XXXX OF XXXX. ALSO, I HAD CHARGES ADDED ON THE ACCOUNT ( XXXX XXXX {$250.00} & XXXX XXXX {$99.00} ) AND WAS TOLD I HAD AN EXTRA XXXX ( XXXX ) MONTHS TO PAY IT OFF. WELL, THAT DID NOT HAPPEN. I WAS ADVISED WRONG BY THE DENTAL PRACTICE. I ALSO PAID OUT OF POCKET EXPENSES BECAUSE MY DENTAL INSURANCE ( XXXX XXXX ) MADE EXCUSES AND DID NOT PROVIDE ME WITH A BENEFIT I WAS ENTITLED TO. 

THIS BANKING INSTITUTION, BREAD FINANCIAL ARE CROOKS. THEY NEED TO BE INVESTIGATED, AND OR PROSECUTED AND FINED FOR THEIR BAD BUSINESS PRACTICES. FINALLY, ALL MONIES SHOULD BE RETURNED TO THE CONSUMER FOR OVERPAYMENS. 
. 



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Consumer complaint received 2024-05-21
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. (FL)

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. For Consumer Reporting Agencies have assumed 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. Thanks.
Consumer complaint received 2024-06-02
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. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of inquiry XX/XX/XXXX, EXPERIAN BUSINESS CRED Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX Date of inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX & XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MO)

Apple Card/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Consumer complaint received 2024-06-15
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)

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. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 XXXX 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 2024-06-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC (PA)

I filed a complaint on XXXX XXXX ( plz refer to complaint # XXXX. Thre has to be some mistake because this complaint is not a duplicate. It stems from a new issue that has not yet been grieved and is as followed.. This company is being willingly non compliant to which is violating my federal protect right or what should be my federal protect rights. Once again I mailed this company a request for debt verification on XX/XX/year> to which you can see from the tracking receipt and what was stated to me by XXXX agent to which I was told staff at Oliphant reschedule delivery of the mail then refused to sign for the mail on the following delivery scheduled date to which denied me my right to request debt verification.Oliphant Failed to provide XXXX and in doing so did violated 15 usc 1692gb and PROOF OF CLAIM and All disclosures listed in this this correspondence Makes a false representation of the character of the herein above-referenced alleged debt ;
Consumer complaint received 2023-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

On XX/XX/XXXX I was notified via email that Mr Cooper Home Loans had paid my hazard insurance in the amount of {$1400.00}. On XX/XX/XXXX I received notification that XXXX XXXX XXXX has not received payment for my homeowners insurance. 

This same problem occurred in XXXX, however Mr Cooper applied a " force placed '' insurance policy to my account, which then increased my monthly payment by ~ {$150.00}. When I provided them the insurance policy details that has existed on my account since they assumed ownership of my mortgage from XXXX, they sent me an " overpayment '' check for the amount of my insurance policy premium, which I then sent back to them to apply to my escrow and pay the homeowners insurance premium. After finally processing the insurance payment correctly, they did not revert my monthly payment back to its original monthly payment amount, which was around $ XXXX. I've been paying the {$1500.00} for the last year, which is what they adjusted it to, to presumably pay for a force placed policy that was never needed, since my XXXX policy had been in place, uninterrupted. 

This problem has been occurring every year since Mr Cooper assumed ownership of my mortgage from XXXX, which I believe occurred in XXXX.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I logged into my Mohela account and set up auto pay on XX/XX/XXXX. I received an email from mohela confirming this action. The payment was taken out of my account on XX/XX/XXXX. I confirmed this with my bank XXXX. By Wednesday XX/XX/XXXX. I began ( and continue to receive ) emails stating that I have not paid and am past due. The amount due was {$270.00} and I paid the full amount. I called Mohela and waited and hour to talk to someone. When I finally got through the representative could only confirm that the email came through but she can not locate the payment. She put me on hold for another 15 minutes and said she is escalating the matter to her supervisor and was transferring me. She did so and after being on hold another 52 minutes, I had to hang up. I tried submitting my issue through their online portal but the letter was obviously auto generated because all it did was confirm that I called and stated something to the effect of we are assuming the matter had been resolved. If anyone actually read the complaint they would see that the matter has not been resolved. Despite receiving the confirmation email my account does not show that I have set up automatic payment nor does it list the payment of {$270.00}. The payment did come out of my bank account and I find it hard to believe they lost it. It seems like they are stalling and I feel like they are probably planning on selling my account soon and have excessive wait times as part of the rouse to buy themselves time because they realize most people dont have time to wait hours on the phone. I have also emailed them my phone number and asked for a response by the end of business day yesterday but have yet to hear from them.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a notification about a collections account that has appeared on my credit report. I have not given you permission to place anything on my credit report, I have never entered into any contract with you, nor have I given you permission to communicate with me. All these things are a violation under the FCRA and FDCPA, and considered fraud. 
I am formally requesting that you cease communication with me on all mediums, including but not limited to all credit reporting agencies, telephone, mail, social media etc. This notice is also letting you know that you will need to inform all credit reporting agencies to remove this inaccurate, false and misleading tradeline from my consumer report immediately. 


Thank you.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, Equifax, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-05-21
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. (CA)

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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXX # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency.

I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation that I signed stating lawfully that this would affect my credit or hinder me from obtaining any credit.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

In XX/XX/XXXX I tried to resolve unwarranted charges with the collection agency Genesis who obtained the debt in question from apartments XXXX XXXX in XXXX Texas. I disputed the validity of these charges but XXXX XXXX nor Genesis was willing to come to an agreement with me to resolve the issue. As a result, Genesis placed the account on collection/chargeoff in XXXX of XXXX. I took an initial hit on my credit score, but as the year progressed my score gradually improved since this was the only negative account in my report. It is now XXXX XXXX and I noticed another drop in my credit score as a result of Genesis making a new report for the same old debt that has had no activity since the XX/XX/XXXX chargeoff. Genesis has changed the reporting date to XX/XX/XXXX as if it was a brand new chargeoff. It is to my understanding that under the Fair Credit Reporting Act, that the agency is not allowed to re-age my account to make the debt appear newer than it actually is. It is my impression that Genesis is using this new dating as an attempt to get me to pay this old debt that I do not rightfully believe that I am responsible for. 

I am disputing the validity of this debt, in addition to the reporting date of this debt.
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XXXX  XX/XX/year> i put down a deposit of {$500.00} for a new XXXX XXXX car at XXXX XXXX XXXX XXXX NY. The sales person XXXX XXXX told me the vehicle would be in next week. Then he tells me XXXX week of XXXX and then end of month. I told me I can not wait. On XXXX  XX/XX/XXXX, told me there is a similar car he could get and I would have to go through XXXX % financig. I asked him multiple times that day if there were any fees attached. He said no. After waiting XXXX hours I see the financing person XXXX and he tells me there is a loan origination fee if {$1800.00}. I was surprised. Since I needed the car I felt I had no choice but to accept this. Pleas help.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MO)

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. XXXX