davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

Chase bank closed my account due to the payee name not matching my name ( account holder ). I went into the bank to verify that the payee authorized the funds to be received by me by them bringing in XXXX forms of ID and proof of business association. They never scanned the IDs or anything to be sent to the fraud department they simply said they couldnt help me. After I was told that, I submitted a complaint requesting a release of my funds. They then replied saying that they dont have the necessary information to release them as I need to verify the payee by phone number or walk into a branch with their XXXX forms of ID and that I also need to verify maker issuance which if Im wrong correct me only applies to checks ( these are all ACH deposits ). I then let the fraud department know where the ACH deposits came from ( shopify ) and they did their research and couldnt find a phone number that can be verified because XXXX has moved all of there contact methods to digital meaning only live support chat and email. So there was no way to call and verify makers issuance as XXXX doesnt have a phone number to call. So the fraud department said there is no way to verify my funds and that my money will be sent to the state after a certain time frame. Which is ludicrous as this is legal money coming from a legit source just the payee names were mismatched. There has to be another way to verify my funds as that is not fair to victims who have legit transactions but just because the Maker doesnt have a phone number the transactions cant get verified. This needs to be handled as that is my hard earned money that I have no access to simply because of a payee mismatch and because the maker has no phone number.
Consumer complaint received 2024-06-21
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. (TX)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-04-30
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: Experian Information Solutions Inc. (FL)

I've always made sure that payments on this account are made promptly, never allowing them to become overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY : XXXX XXXX INSURANCE COMPANY : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " XXXX XXXX  '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE XXXX XXXX  ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON THE VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO XXXX XXXX AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO XXXX XXXX 

I HAVE A COPY OF MY PAYMENT MADE TO XXXX XXXX FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX XXXX  TO XXXX XXXX XXXX XXXX HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

XXXX XXXX  HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO XXXX XXXX AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

I got behind on my car payments due to my job losing money. I was 30 days for a few months until I eventually was able to get my finances in order. I contacted XXXX to let them know I wanted to get my account up to date. I spoke with a rep named XXXX. We agreed that I would make 3 payments in the month of XXXX ( the payments were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to get my account current and that they would in turn let me skip a payment in XXXX and that my next payment would be in XXXX. I was also informed that they had no evidence that the car had insurance and they were charging my account and that I need to pay for the year they didn't have proof of insurance or provide proof that I did have insurance. I sent documentation that I did have insurance on my car. Mid XXXX, I once again started to receive calls from XXXX. I contacted them to asked what was going on and I was told that my account was past due for XXXX and the amount owed for insurance. I mentioned that I had an agreement in place to skip a payment in XXXX. The rep said that she didn't have that in the system but that they would look into reviewing my account to see if I was eligible for a deferral. This is not the agreement I had with them originally. She offered to have me speak with a XXXX but I said I wanted to speak with the rep that I had originally made the deal with. I followed up by sending additional documentation for proof of insurance which I am continuing to be charged for. Eventually, I decided to contact the XXXX in an attempt to get XXXX to honor the agreement we made back in XXXX. XXXX responded by stating some of the facts above but that I still owed other fees for insurance. I replied that I had sent two different emails to show proof of insurance but that I still wanted them to honor the original agreement. I asked them to bring up the recording of the conversation since they record calls. They have not done so to this date. As of this week, they are reporting my account late, and that I owe them even more than the original amount. They said I had not made a payment in the last 30 days but I have evidence by looking on their website that I have made the payment. Then followed up by reporting to XXXX that I am delinquent and owe them {$11000.00} when their website says my total amount for the loan, which I have for another 2-3 years, is {$10000.00}. I believe they are acting in bad faith and causing me hardship by reporting incorrect information on my credit report which has affected my credit rating. The XXXX account number is XXXX.
Consumer complaint received 2024-04-30
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. (FL)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-04-30
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. (MN)

The following information currently listed and showing on my Clarity Consumer Report Reference Number : XXXX is not my information : all the dates/times/tracking numbers, personal information, dates of births, drivers license numbers and states, home addresses, housing status, months at addresses, Cell phone numbers, home phone numbers, work phone numbers, email addresses, employment information, employer names, employer addresses, occupations, months at employer, income information, net monthly income, pay frequency, date of next paychecks, direct deposits and banking information. The only information that should be listed on my Clarity Consumer Report is my current name, address, DOB, and SSN. All the other information listed and showing on my Clarity Consumer Report is inaccurate and not my information.
Consumer complaint received 2024-04-30
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. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-30
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
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. (NY)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX investigate this account for me to ensure accuracy. Here is the account XXXX XXXX i am asking you to verify as accurate
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (OH)

XXXX made repeated phone calls and text messages to me! In XX/XX/year> i spoke with them and paid the balance off in full, I asked numerous times if there was any other balance, they told me no. A month later they began calling again, I asked them why they told me I had a balance of {$91.00} I told them I don't owe and asked them to investigate it. During the investigate I was informed I wouldn't receive phone calls until it was complete. Less than a week later, they called me again trying to collect. It took me till XX/XX/XXXX to get the issue resolved. However by that time they reported my account 3 payments behind, 30, 60 and 90 days late which crushed my credit score! I asked them to remove it because it was now damaging my credit and all they did was update it. I've tried numerous times to get it removed and they refuse to even though they falsely reported for 3 months. The reversal of reporting DID NOT undo the damage that was done to my credit. This prevented me from qualifying for other credit cards and loans and stopped my process for buying a house! I don't have the full call log but they have every call recorded, one of which a lady got smart and nasty with me without knowledge of my previous attempts to fix this issue.
Consumer complaint received 2023-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In XX/XX/XXXX, I was in the market for a used truck for my daughter. I went to XXXX 's XXXX  in XXXX XXXX, MD and wanted to purchase a XXXX XXXX XXXX. The blue book value of the vehicle was {$16000.00}. At the time, her nor I had alot of debt. My credit score was over XXXX and hers was as well due to her being a college student. I was told by the dealership that the vehicle would be {$22000.00}. However, the principal balance on the online account is showing as {$28000.00}. This would mean I was charged an additional {$12000.00} over what the value of the car was. Also, I was looking through my paperwork and noticed that I was never given a Bill of Sale for the vehicle. I reached out to the dealership and have not received a response after several attempts. 

I was fired from my employer XX/XX/XXXX and I fell behind on payments. I called XXXX XXXX and they told me there was nothing they could do to work with me. 

Currently I am on a payment arrangement where I have been paying {$450.00} bi weekly. As of XX/XX/XXXX, I have made the following payments : XX/XX/XXXX, XXXX {$370.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX {$450.00} The total I have paid since XX/XX/XXXX is {$4000.00} however, XXXX XXXX is still reporting on my Credit Report that my account is XXXX to XXXX  days late. How is it being reported as such when they put me on this payment arrangement. Now when I go on my account, its not showing the balance due.
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

On XXXX XXXX XXXX XXXX I ordered XXXX boxes of wall panels from XXXX XXXX XXXX for my home office improvement using my Citi Premier credit card, worth {$810.00} total. On that same day, the Merchant XXXX XXXX XXXX XXXX ) sent me XXXX separated automated emails, XXXX email contained my order information and XXXX email contained XXXX tracking numbers XXXX there are 5 XXXX  tracking numbers XXXX so Id assume each XXXX  tracking number is for each box of the wood panels ) From XXXX XXXX XXXX XXXX XXXX XXXX  - Ive been keeping an eye on the XXXX  tracking numbers XXXX but two days, three days, four days later, the tracking numbers never get updated. They still show The delivery date will be provided as soon as possible. I grew concerned whether Im buying products from a legit business or not. So I emailed the Merchant asking for my order status, but no response. I sent a messenger to the Merchants XXXX for which I first learnt about their products advertisement, still no response. 

On XX/XX/ - I filed a dispute with my Cit Premier credit card, because ( 1 ) the XXXX tracking numbers were still showing The delivery date will be provided as soon as possible. in fact, the XXXX tracking numbers still show this same message as of this writing and ( 2 ) there were no response to my inquiries from the Merchant. I also sent an email to the Merchant requesting to cancel my order and get my refund back, stating my concerns above. 

On XX/XX/XXXX XXXX XXXX  - the Merchant, for the first time, replied back to my email saying that my order was being shipped via XXXX but provided no XXXX  tracking number. I replied to the email and again requested to cancel my order. 

On XXXX XXXX XXXX XXXX XXXX  delivered SOMETHING to me, but since I dont have or expect any XXXX tracking number from the Merchant I refused to accept the delivery and asked the XXXX to return whatever in the package back to the sender. 

Fast forward, on XXXX XXXX XXXX  after Citi card refused to refund my money back. I called both XXXX and the Merchant. The XXXX told me ( on the phone ) that the shipper ( aka the Merchant ) instructed them to return the product to somewhere in New Jersey. But the Merchant told me ( on the phone ) that the XXXX should return the product to their business address in XXXX, California. Then the Merchant told me that they would file a claim against XXXX. However, this is none of my business, my business is to get the refund back. 

Today ( XX/XX/ -- after 5 months long ) the Citi Premier card still keep refusing to refund {$810.00} back to me, citing that they have exhausted their investigation and also stated that the Merchant bank refused to refund the money back.
Consumer complaint received 2024-06-21
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)

I Recently Checked My Consumer Reports and Found Inaccurate Information About Me, That I Did Not Give Written Consent To Even Allow Such Information To Be On My Report. Under The FRCA My Information Can Not Be Given Out Without The Consumers ( Me ) Written Consent.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received an email from Wells Fargo that there was fraud detection coming from my checking account. I checked, and saw that there were 8 transactions equating to {$630.00}. They include : 1- {$10.00} ( XXXX XXXX ) 2- {$7.00} ( XXXX XXXX ) XXXX {$46.00} ( XXXX  ) 4- {$120.00} ( XXXX ) 5- {$97.00} ( XXXX ) 6- {$20.00} ( XXXX XXXX ) 7- {$64.00} ( XXXX XXXX XXXX ) 8- {$260.00} ( XXXX  ) As soon as I saw these transactions were pending, which werent made by me, I immediately called the freud detection number provided on the email. The guy had me read out all of the amounts to him so he could file a claim, he deactivated my card, and said he was going to ship a new card to me. On XX/XX/XXXX, XXXX of the transactions got approved ( the XXXX, XXXX, and XXXX ). Because of this, I called the bank again and asked why they got approved if my card was deactivated and they gave me {$64.00} back onto my account as card provision. The rest of the 6 amounts were under investigation. I then called the bank on XXXX  and asked for a status on my claim, and they said it was closed, yet they never sent an email or any notification. I asked why it was closed and if I would get my money back and they said my claim was denied. I went back and looked and saw that the one single purchase of {$7.00} at the pod market was actually me, but I wasnt aware that it got added to the claim, so because my card was chipped, accepted, and was in the hands of me when all of these transactions occurred, the bank denied my claim request because they said that I made a mistake of putting one of my actual purchases on the claim. While I do accept responsibility for mistakenly adding that purchase to the claim due to the fact that I was reading off all of the pending purchases to the man on the phone, this happening to be one of the pending purchase, I do not feel as though my entire claim should be denied, and that I should lose all of that money that was not spend by me. If they went in and investigated all of the other 7 transactions they would see that none of them were made by me.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am greatly concerned about the presence of this late payment on my account, given my consistent history of timely payments. This situation is causing me considerable distress, and I urge you to rectify it promptly by removing the late payment.
Consumer complaint received 2024-04-30
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2024-04-30
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. (CA)

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}