davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mar Joe Enterprises (TN)

CBC collections left a voicemail on XXXX stating, This is XXXX calling from CBC. Please contact me or one of our representatives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or toll-free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called back and asked who I had a missed call from. The representative asked me to hold on then asked if she was speaking to XXXX. I told the representative that she had the wrong number and she said she would remove my number from their system. On XXXX, CBC left another voicemail leaving the same message as before. I called CBC back on XXXX informing the representative that I had a missed call from their number. He asked if I was XXXX XXXX, I told him no and that I explained this the first time they called. He said he would remove my number from their system. I told the representative that any future contact would result in an XXXX complaint, he laughed then ended the call.
Consumer complaint received 2024-08-30
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: 1st Franklin Financial Corporation (TX)

XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1ST FRANKLIN FINANCI 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 XXXXXXXX
Consumer complaint received 2024-08-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

On XX/XX/year> I opened a dispute against Jefferson Capital System regarding a debt in the amount of {$1200.00}. I disputed this debt as not mine/no acknowledgment. I also asked for additional information and documentation to verify this debt, as it has been removed and placed back on my credit twice, and with DIFFERENT dates. When I requested documentation, I received no response or follow up to my inquiry. I do not have business with this company and do not owe ANY debt.
Consumer complaint received 2024-08-19
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I need your assistance with Chase Bank. I believe they are in violation of both the Consumer Credit Protection Act and the Equal Credit Opportunity Act. 

I have been denied multiple times credit cards from Chase since my bankruptcy in XXXX. 

In XXXX I applied for the credit card after receiving an invitation from United Airlines. 
To my surprise I was approved with a hefty credit line. To my surprise the credit card ending in XXXX was closed by the bank with a computerized letter canceling my card. 

I appealed to the executive office of chase and within 30 days my appeal was declined. 

I applied for another credit card 30 days later on the Chase website and again was approved again with a good line of credit. 

On XX/XX/XXXX I was notified that credit card was terminated effective XXXX. 

I currently have one additional card and sadly I am just awaiting the next letter terminating that card. 

I believe its time for the DOJ start a legal action to protect me the consumer and file a civil lawsuit against Chase. As I stated to United airlines and Marriort hotels if they can XXXX me without any ramifications knowing XXXX can not fight XXXX by himself. 
How many other consumers were screwed by Chase!!! 

I await your response in this very important matter. 

I can be reached at XXXX XXXX XXXX XXXX XXXXXXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Applied for School Misconduct Discharge in a clear case where All Federal Loans held from this school were discharged ( XXXX XXXX ). I was denied immediately without consideration because of my loan type. I currently hold a consolidation loan, which was simply 2 tuition answer loans I held from their predecessor Sallie Mae. Both loans were used for that school, I consolidated them immediately after attending school to simplify payments and to remove my grandmother as a cosigner on one of them, as to not burden her. The consolidation changed nothing, other than a higher interest rate they charged, and now am being denied a chance to move forward for no reason other than the name they assign to my loan. This is wildly suspect and malicious. I have already to date paid approx. $ XXXX on $ XXXX in loans and I still have 20 % of the original principal to repay.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (HI)

XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
Company refused to take liability for one of their customers, which they verified as a real and true person.

Company refuses to use their bond and insurance to recover the funds.

Company refuses to supply their underwriting company and information.
Consumer complaint received 2024-08-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc. (MS)

Signed an auto lease and was originally approved for {$9800.00} for a car at the dealership on XX/XX/year>. Few days later called back with a new contract for {$6800.00}. With a blue book value of {$3200.00}. 10 days after leaving the car lot the car experiences transmission problems. Contacted and took the car back they agreed to fix it. The day it was to be fixed I couldnt make it in and asked for a reschedule. Couldnt receive a response to a reschedule date let the finance company Mid Alantic Finance know as well. The company they sold the lien to without giving me disclosure information of that. Which is a violation in itself. Gave a down payment of {$1200.00}. They also pulled my credit multiple times under multiple different companies pulling down my score even more. Emailed and mail to XXXX & XXXX Auto as well as Mid Atlantic Finance about the release of the MSO/MCO if they had ownership of the title that was transfered into my name. The owner XXXX XXXX then attempted to call me and curse me, threaten me and is a breach of peace. She called my dad and released information to him cursing at him and scaring him. A unauthorized car hauler came to my home at XXXX, after I stated I would like my down payment back and it removed off of my credit. They havent obliged since XXXX XXXX. I also wasnt told I had 30 days to review and change the contract I signed.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for an American Express Business Gold Card based on an email promotion that I received which stated a XXXX welcome points bonus ( the " Bonus '' ) upon the spend of {$10000.00} within the first 90 days ( the " Minimum Spend Threshold '' ). After receiving the card and activating it I saw that if I buy a XXXX XXXX gift card for {$500.00} or more there is an additional XXXX points bonus. I did that and then I contacted American express via chat to check by what date I need to meet the Minimum Spend Threshold and to confirm that Dollars spent on a gift card will go towards the Minimum Spend Threshold. The chat agent made a mistake, mislead me and told me that only a limited list of expenses goes toward such Minimum Spend Threshold and sent me a link to such list. When I saw the list it was clear to me that I can not meet the Minimum Spend Threshold within the 90 days period and I canceled the card. Shortly after that ( in the same day ) I realized that the chat agent made a mistake that mislead me. I verified that every Dollar spent on any good and services counts toward the Minimum Spend Threshold. I immediately contacted American Express asking to instate the card or issue a new card so I can get the Bonus once I meet the Minimum Spend Threshold but I was told that this can not be done. I was told that if I apply for a new card I will get the card but not the Bonus. I tried over several calls with customer service to explain the mistake that was made by the agent and the confusion but nothing helped. I had a case about the matter but it was closed by American Express with out any help ( XXXX ). It is VERY clear that I only cancelled the card because I was provided misleading information by mistake during my chat. Chat transcript is attached and I also added the limited list of the expanses that was provided by the chat agent by mistake.
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (NJ)

Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I took a locaXXXX XXXX  near the XXXX XXXX XXXXr to XXXX XXXX XXXX for a total of XXXXXXXX XXXX or 30 minute car ride ( XXXXXXXX XXXX ). The typical and maximum fare for this XXXX ride is XXXX Euro ( XXXX USD ), which includes a XXXX ( vehicle fee ), XXXX distance fee, and XXXX ( Time - 30 minutes ) according to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

However, I was charged {$2700.00} ( XXXX XXXX ) for this ride, which is a 5,982 % price hike from the typical XXXX XXXX XXXXXXXX fare. I was XXXX  at the time and believe the driver took advantage of my impaired state. I am disputing the difference between the reasonable fare and the amount charged. 

I filed a complaint to the XXXX of XXXX. They asked me to file a complaint to their illegal XXXX  board because of this. I do not have a receipt because I didn't receive one. 

Chase told me they can not dispute without a receipt. I have formal complaints and responses from the XXXX of XXXX about the illegal service. The merchant 's telephones do not work because it is an illegal XXXX  so I can't even contact them...
Consumer complaint received 2024-08-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HYUNDAI CAPITAL AMERICA (CA)

I am writing to formally file a complaint regarding the unlawful repossession of my vehicle, a XXXX XXXX XXXX, which occurred on XX/XX/XXXX. The repossession was carried out in violation of federal laws, including provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as my constitutional rights under the Fourth and Fifth Amendments.

Violations of Federal Law 1. FDCPA Violations : - Under 15 U.S.C. 1692e, debt collectors are prohibited from using false or misleading representations, including falsely implying affiliation with any state or federal agency.

- Under 15 U.S.C. 1692f ( 6 ), debt collectors are forbidden from taking or threatening non-judicial action to effect dispossession or disablement of property without a present right of possession, intention, or where the property is exempt from such action. 
- The vehicle repossession was executed without any judicial order or enforceable security interest, rendering the action unlawful and deceptive under 15 U.S.C. 1692d and 1692e.

2. FCRA Violations : - As defined under 15 U.S.C. 1681a ( d ) ( 1 ), the unauthorized acquisition of my consumer report by running my license plate to assess my creditworthiness was a breach of privacy. Obtaining this report without my consent or a court order violates 15 U.S.C. 1681b ( a ) ( 2 ) and is punishable under 15 U.S.C. 1681q and 1681r.

3. Constitutional Violations : - The Fourth Amendment protects against unlawful XXXX and XXXX. The XXXX of my vehicle and access to my consumer report without a court order is a clear violation of my constitutional rights. 
- The Fifth Amendment guarantees due process before any deprivation of property. The XXXX of my vehicle without due process and without just compensation for its intended public sale is a direct infringement of my rights.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX my XXXX was flooded due to excessive rain and was deemed a total loss. I immediately contacted Bank of America to let them know of the loss and that this was now being handled by my insurance company ( XXXX XXXX  ) and my GAP insurance provider. XXXX issued a check to BOA on XX/XX/XXXX in the amount of {$33000.00} for the value of the car. The remaining balance of approximately {$9100.00} was left, and we were waiting on the GAP to approve the remaining balance. The GAP claim was approved and they issued a payment of {$9500.00} on XX/XX/XXXX. 

BOA reported that there was a 30 day to my report and dropped my credit score significantly when they had received payment in XXXX from XXXX XXXX -- which means they did receive a payment and the loss was on XX/XX/XXXX. BOA stated that once they receive the check from GAP that they will backdate the payment to XX/XX/XXXX ; but they will not remove the 30 day late from my credit report. This is unfair and if they are going to backdate after they receive payment, they can remove the late knowing that this claim was under investigation.
Consumer complaint received 2024-05-14
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. (FL)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe are inaccurate and damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I have a right to dispute any inaccuracies in my credit report. 

My name is XXXX XXXX, and the following are the negative items that I would like to dispute : XXXX XXXX NA - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX - Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately, as per FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX  XXXX XXXX A - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I kindly request you to conduct a thorough investigation into these accounts and provide me with a written explanation of your findings, as per FCRA Section 611 ( a ) ( 1 ) ( B ). 

Thank you for your cooperation in resolving these issues. 

Sincerely, XXXX XXXX