davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION (CA)

In XX/XX/2023, I lost my job and was unable to make my payment for XXXX and XXXX. Last week I borrowed money from family members to make the payment. LightStream requested that I make the payment for XXXX, XXXX, XXXX and XXXX future payment at that time. The total payment that I was told I had to make was {$3100.00} for the XXXX months. I made that payment to get caught up and XXXX hours later I received an email that they were going to deduct the XXXX payment a second time. 

I called LightStream customer service on Friday and again today to try and get help because I should not have to make the same payment twice for the same month. On both occasions, the customer service representative told me that it is not their problem and that it is my problem that I am paying the payment twice Because I gave them my checking account number and agreed to be automatically debited. 

I tried to explain to them that I understand that it would be automatically debited every month, but since they already forced me to pay XXXX in XXXX, I shouldnt have been debited until XXXX. 

Again, they told me that this is my problem because they have the account number and they cant stop the payment from happening because its automated and they have no control. 

I am a single father of a developmentally XXXX child, and my ex-wife made that payment on my behalf because it was affecting her credit also. I can not afford to be double dipped by the bank because they claim that they cant stop automated payments because they dont have any controls in place to make that happen. I still have to pay for rent, food for my child, and daycare and schooling and medical. Not working, I paid XXXX, and my medical is exorbitant.
Consumer complaint received 2024-04-18
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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Loqbox US Inc (GA)

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX XXXX Amount : $ XXXX Balance : {$300.00} ( as of XXXX days ago ) Account Status : OpenDate Opened : XX/XX/XXXX, XXXX : XXXX XXXX History : All payments made on timeThe above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : The balance of {$300.00} is not reflecting the fact that the account has been paid in full. The account should show a XXXX balance to accurately represent the current status.Payment History : The payment history indicates that I have made XXXX XXXX of my payments on time, which supports the fact that the loan has been fully repaid. The failure to update the balance undermines the accuracy of my credit report.Given the above inaccuracies and violations of both XXXX XXXX standards and consumer protection laws, I request that you immediately update this account to reflect a XXXX balance. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation showing that the balance has been paid in full.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

Jefferson Capital Systems XXXX continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act Jefferson Capital Systems should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to XXXX XXXX and refuse to pay this debt.
Consumer complaint received 2024-04-18
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. (LA)

I have asked time and time again to delete all negative accounts and collections that i dont recognize my i.d has been stolen twice along with my social and birth certificate so there is alot of those accounts i do not recognize at all so i am asking again PLEASE DELETE THOSE COLLECTIONS AND NEGATIVE ACCOUNTS IMMEDIATELY THANKS
Consumer complaint received 2023-08-31
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. (PA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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. (DE)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-04
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)

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with XXXX CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am lodging this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters over 30 days ago, I have yet to receive a response, and satisfactory validation has not been provided. I kindly request your assistance in resolving this issue.
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CO)

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Crypto.com services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in this institution which is regulated.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I open my account for the first time with capital one, I made my first transactions without any inconvenience, regularly often the application I only have to verify my identity, and sometimes the app had problems validating the requested data, but despite that all I was doing well, one day he tried to log into my account and he tells me that I can't that I need to call a number ( which is capital one ) I call and again they verify my identity, we tried about 3 to 4 times I had to make different calls because they could not verify me, after my identity was finally verified, they asked me certain questions about the transactions, then that person submitted that information to another superior person from what I understood, and that person determined that the bank no longer wanted to have more relationships with me and close my account, I was alarmed without understanding absolutely anything, because my account had no time opened, I had practically no transactions, what reason they will have to close it, the bank never gave me a reason why, they only hide in that for certain reasons ( that they do not tell me ) they made that decision, already after this I received an email in which I was told me that my account was permanently closed and under investigation, that they would return my money when I finished the investigation, something that I find ridiculous because my account has practically no transactions, they do not need Investigate anything, I didn't do anything wrong, it should be noted that this was more than 3 months ago and they have not yet returned anything to me, every time I call that they have been more than 12 times they tell me that they have no way to help me that I have to wait for the " investigation '' to finish so that they can return the money, I tell them that if going to a physical headquarters of the bank they could help me expedite that supposed investigation and no, they tell me that I can do nothing but wait, and it seems to me more than a Disrespect the fact of waiting more than 3 months when they have nothing to investigate than a user with normal transactions, I need you to please help me get my money back as soon as possible, at this point I am no longer interested in the account or anything, just that they give me my money back, because they do not give me an estimated date or anything, and it is not possible that more time will continue, it is completely unnecessary. 
It should be noted that I have tried to write to them by mail and I have not obtained help either.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX, XXXX, AND Equifax have violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX or XXXX I updated my phone and saw XXXX XXXX had been downloaded and immediately notified me that two transfers had gone through successfully. One for {$95.00} and another for {$600.00}. I had never downloaded the app on my own nor signed up for it nor did I authorize two charges on it. The two charges went out to a XXXX XXXX XXXX XXXX XXXX CA ( $ XXXX ) as listed in the XXXX  XXXXChase bank. I tried to get a refund through XXXX XXXX but they told me they rarely happen and upon being rejected there I contacted Chase Bank only to have them repeatedly refund the money and then take it back. The two unauthorized charges were made on XX/XX/XXXX. 

During this time the person who had gotten my money reached out multiple times via text message and then by XXXX app, first to apologize for what they called an " ordering issue '' as they claimed to run some sort of online XXXX business and thought I had placed an order across their broken ordering system. I had not. The scammer then said they didn't have my charge/money in their system so I confirmed with XXXX XXXX that a transfer was made and then they promised a refund and to send me a package for my troubles. Neither happened. Then they attempted to scam me further with fake emails and text messages asking for money to release the package they claimed to be sending as an apology. I did not remain in contact or send them anything. I am guessing this happened because Chase initially issued a refund and the scammer wanted their . 

After some more detective work what I believe happened is a person attending a public event used some sort of phone IP cloning device giving him access to copies of people 's phones. I came across a XXXX XXXX  of about 8 people who were all at the same event and all had XXXX XXXX or XXXX charges from this same person, I too was at the same event. It also seems we were signed up for the XXXX XXXX via an XXXX XXXX that was using it as a point system pre-installed in a XXXX  register. Another similarity everyone in the XXXX XXXX had.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (AZ)

I'm a loyal XXXX member I deposited money in my XXXX XXXX back in 2021 back in XXXX. 
GOLDMAN SACHS BANK TAKING MONEY OFF MY XXXX ACCOUNT REVERSAL OF ACH DEPOSIT CAUSING ALL MY XXXXXXXX XXXX  ACCOUNTS TO CLOSE
Consumer complaint received 2024-08-08
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I am writing to express my disappointment and frustration with the recent decision to close my personal checking account and credit card without providing reasons. As a small business owner with multiple ventures, I deposit cash into my personal account on a monthly basis. Specifically, I own many rental properties in which the tenants paid in cash. While I understand the bank 's concerns, I believe there are extenuating circumstances that warrant a reevaluation of this decision. 

I would like to provide proof and sources for the transactions in question, which will demonstrate the legitimate nature of my business activities. I am willing to work with your team to identify and reason the transactions, and explore alternative solutions that meet the bank 's requirements. 

I find the " decision is final and non-appealable '' stance unfair to individuals and small business owners like myself, who rely on your banking services to operate our businesses. I hope we can work together to find a resolution that takes into account the unique needs of small businesses and individuals. 

Please consider my appeal and contact me to discuss this matter further. I appreciate your attention to this matter and look forward to your response. 

Sincerely.
Consumer complaint received 2023-07-11
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: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. This has effected me from buying a house
Consumer complaint received 2024-06-03
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: JPMORGAN CHASE & CO. (CT)

To Whom it May Concern, This is a letter containing two complaints/issues I need addressed as the bank has made multiple errors affecting my credit and welcome offers in just the few weeks since I signed up. 

I applied for a Marriott Bonvoy Boundless Card on XX/XX/year> through the Marriott Bonvoy app on my phone. I have only had the card for a few weeks and JP Morgan has defrauded me twice already. I will detail the two instances of this below : 1. Incorrect Welcome Offer Applied to my Account When I signed up for this credit card on ( add date ), the offer I signed up for was a {$300.00} Marriott E-Gift Card and XXXX bonus points after {$3000.00} spend within the first 3 months. The offer that was applied to my account was for a {$250.00} XXXX XXXX and XXXX bonus points after {$3000.00} of spend within the first 3 months. I have called customer service multiple times on this and they have been mostly rude and short with me. They said my account is not eligible for that offer however I know it was because that is the offer I clicked on when I applied for the card and that upgraded offer is the reason I applied. I am telling you what was offered to me when I signed up. I have a picture of it that I have enclosed on the next page. I would not be able to get that picture taken on my own XXXX if it was not offered. This offer was active exactly when I applied for the card on my Marriott Bonvoy app by clicking the link.

2. An unauthorized credit pull I signed up for the Marriott Bonvoy Boundless credit card in my name one time. Somehow JP Morgan processed two applications and pulled my hard credit twice. That is a mistake. I NEED THE SECOND PULL ERASED FROM MY CREDIT REPORT. You can only have the same credit card once so any further pulls on my credit for the exact same card application would have been unauthorized by me. I am not sure how or why this happened. It could have been a system glitch or any number of reasons but the fact of the matter is the intent and outcome is that I have one Marriott Bonvoy Boundless card that was accepted after one hard credit pull on one application. Any further pulls need to be removed from my credit report and this needs to be initiated from your end as a mistaken or unauthorized credit pull.

I have called in about this multiple times to no avail. The representatives are unwilling to help, and I have received extremely poor customer service on this issue. 

I am also requesting an additional XXXX Marriott Bonvoy points as a courtesy for all the issues JPMorgan Chase has caused in just the first few weeks since receiving my XXXX card. 

Thank you