davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MD)

Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. Caine & Weiner Co. INC Has no business agreement with myself.
Consumer complaint received 2023-12-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

I purchased a XXXX XXXX using a XXXX XXXXXXXX XXXX credit card in 2019. The ATV was paid off in full, and the credit card company sent me a lien release letter and signed title so I could transfer the title into my name. Unfortunately, I lost the paperwork at some point and forgot about it. 
In XXXX ( XXXX ) of this year I phoned the credit card company, Citibank, and explained the situation. They agreed to send a lien release letter so I could re-title the ATV. No letter arrived. I phoned again XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was told they will send the letter, but I never receive it. I would simply like to have the lien release letter.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

XX/XX/XXXX - received notification that loan AA ( total of 2 were forgiven as of XX/XX/XXXX ) XX/XX/XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - contacted Nelnet to inquire on total amount of overpayments and when my information would be sent to US treasury for refund - no response XXXX - received monthly statement from Nelnet - for XXXX payment for remaining balance ( roughly XXXX ) - paid prior to due date XX/XX/XXXX - sent follow up to Nelnet requesting same information - no response XX/XX/XXXX - submitted complaint on student aid.gov - received case # XXXX via email XX/XX/XXXX - received 4 seperate letters indicating my remaining 4 loans were paid in full XX/XX/XXXX - requested my complaint to be escalated to Ombudsman - no response XX/XX/XXXX - received check for {$780.00} ( which included the XX/XX/XXXX and XX/XX/XXXX payments that Nelnet stated that I owed from their billing statements XX/XX/XXXX - followed up again requesting escalation from Ombudsmen XX/XX/XXXX - after my accounts reflecting {$0.00} and credit reports updated, Nelnet now has a balance on my Account of {$420.00} spoke to 6 different reps at Nelnet who have indicated they see 2 different overpayments that I am due,XXXX and the 2nd XXXX. One of the representatives even indicated I had borrower defense on my Account which I have never applied to but, that has now been disputed by a different representative. 

I would like to know when I will receive my overpayments and if my Accounts should reflect {$0.00} as my documentation indicates.
Consumer complaint received 2024-01-03
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

I bought tickets from XXXX XXXX agency, but they messed up my flights and rescheduling. I requested a refund from them, but they denied it. I contacted my credit card company to dispute the charges and filed two cases : Case # XXXX Invoice # XXXX and Case # XXXX Invoice # XXXX. The merchant submitted fake documents for both cases. I sent my documents to CapitalOne many times by mail, email, and online file. CapitalOne told me that they reached the time limit for the case ending with XXXX and that they could not do anything. They told me to contact the merchant myself. For the second case, they said they would rule in my favor, but they would deduct XXXX from it because the merchant refunded that amount. CapitalOne did not send me the documents the merchant provided, so I could not challenge them. I insisted on getting the documents from the merchant, and CapitalOne finally sent me a copy on XX/XX/2024. Thats when I discovered that the merchant sent forged documents to make CapitalOne take the wrong decision.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (KY)

I discovered there was an Aspire Credit Card on my credit report showing a one month payment history. I have a fraud alert on my credit report therefore I should be contacted for every credit inquiry. I was never contacted by this company. I disputed the account with XXXX as identity theft. XXXX has deleted the Aspire credit inquiry from my credit report, therefore Aspire should remove that account from my credit report as they are currently flagging the account as past due.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.
Consumer complaint received 2024-03-15
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. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-01-03
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

XX/XX/2023 I tried using my e-cardit to buy something on line and it will charge {$0.00} to the card and when you look at the card balance it states pending then when website says there is an error on the card and wont let me complete the transaction. 
I have called Amex and they say to try another time. I have done this and it will not work.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Date : XXXX, 2023 XXXX XXXX  {$360.00} US I have been a victim of fraud by XXXX XXXX and Chase Bank, and neither organization has done anything to assist me. I received an alert on my phone on XX/XX/2023, at XXXX XXXX asking for authorization to process a transaction. I replied NO because I was not familiar with the charge. At this time, I was home with my children. The following day, I called and explained to a Chase representative what occurred. I was asked to destroy my bank card as I would be sent a new card. I did receive a new bank card. 

I was also told by the Chase representative that I would receive a credit for the two charges of XXXX that were done by someone in New Mexico, according to my XXXX XXXX history. 

A few months later, as I reviewed my credit report and my Chase transactions, I realized that I was not credited the XXXX. 

I called Chase and explained what had occurred in XXXX and that I just realized I was NEVER credited. I was then credited. A few weeks later, I realized that the credit was retracted. 
I have been back and forth with a Chase representative who has since denied the refund. 

I have also printed out a copy of the text message proving that I responded NO to the authorization of the transaction that occurred. 

I went to the local precinct and filed a police report. 


I visited a branch, sat with a chase rep, and gave him a copy of all the documents I am submitting now, with the exception of the police report, as it was not ready yet, to no avail was I helped or assisted. 

I do not appreciate the manner in which I was treated by the representatives on the phone. 

I have included with this letter. 
A police report stating that I did not approve these charges A print of the text message proving that I responded NO to the approval of the transaction A copy of the XXXX XXXX History of the two charges A printout of my call log shows that I did call Chase and report the incident, as they are claiming that there is no log of my call. 
I am asking for a refund. I responded No to the authorization of these charges, yet the charges went through. 

XXXX XXXX has referred me to Chase, and no one has helped me.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-01-03
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. (MO)

Just got notified from Experian that payment history is 35 % of my credit score and Experian says that my payment history is GOOD now just imagine what my credit score would be is Experian put back my now 19 months of on time never late payments to XXXX. In the screen shots attached you will see on there own website they say for my boost that the last payment to XXXX was XX/XX/2022 and then on the same website they show continued payments that were never late and the kicker is they say they can lower my XXXX bill by XXXX dollars a month BUT TURN AROUND AND STEAL THE PAYMENT HISTORY TO KEEP MYSCORE LOW
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a verification and validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt. 

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
With regards, Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you for your time, XXXX XXXX This Credit bureau is in violation of not reporting in 30 days, i want everything negative on my credit report which are account i included above to be removed immediately,
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I made a {$900.00} XXXX payment at chase bank and they duplicated it. My account was overdrafted. Customer service was unable to return my money or offer any timeline by which my money would be returned.
Consumer complaint received 2023-11-30
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: CITIBANK, N.A. (NY)

I made a return to XXXX XXXX in XXXX NY. I didn't receive a refund or proof of refund from the business so I filed a dispute with Citibank. Citibank showed a refund in my account from the business and I received a receipt from the business for the refund, so I cancelled the dispute. I then learned that it wasn't actually a refund, it was a conditional credit from Citibank that was then taken back from me when I withdrew the dispute. Citibank says there is nothing they can do because once you close a dispute they can't reopen it. The business says there is nothing they can do because they issued the refund to Citibank. I have no idea what to do.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

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 an 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.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

We were charged for an online transaction we did not authorize. The credit card company refuses to acknowledge that we did not authorize the charge. My wife started the process of booking a room and got part way through the process and abandoned the website before completing the authorization process and before getting a confirmation that the booking had been completed. The website indicated we would get an instant confirmation. It began asking my wife questions that made her nervous that the system was a fraud so she did not answer the questions and did not complete the authorization process. She did not receive the promised " instant confirmation '' number or booking number. She abandoned the website when it started asking her for information she did not want to and did not provide. To her surprise she later received an email indicating that she had completed the booking even though she did not complete their booking process online. She immediately contacted or attempted to contact the parties involved to try get the issue resolved and she proceeded to cancel the booking that she had never made but the email indicated that she had. The vendors refused to acknowledge their fraud. And refused to refund the money. So we disputed the charge with Citi and the dispute was incorrectly characterized as " no services received '' or something like that. It was not properly characterized as an unauthorized charge. Citi says that since we provided our card information during the process that it doesn't matter that we did not actually authorize the charge or complete the authorization and booking process.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Malen & Associates, p.c. (NY)

. My complaint is that malen & Associates file number is XXXX XXXX index XXXX their address is XXXX XXXX XXXX XXXX ny XXXX. Their phone is XXXX XXXX unlawfully filed a lawsuit suit against me in civil court XXXX  County ny regarding XXXX XXXX XXXX  this is a old debt that's fives years old past the state of limitations I had a checking account that was a negative balance back in XXXX. I reach out to the law office male and associates to do a payment plan during that time I told them that I can only pay XXXX dollars a month they agreed with me I signed stipulations I made a few payments I ended up latter getting late during the time covid happened causing this XXXX  to change .I was also shock that they did a soft pull on my XXXX credit report in XXXX I got alert from XXXX they thought that during soft pull I won't see inquiry from them but I did in XX/XX/XXXX. Also they sent me a unlawfully letter saying that they filed a judgment against me to take my property without notifying me a all. If I'm on a payment plan and agreed to pay XXXX dollars a month. They don't suppose to filed a judgment against me. And I agree to a payment plan. Even the debt is 5 years old going on six years soon. Also to have judgment vacated. I filed complaint with nys attorney General office that males associates violated covid laws creditors collections and attorneys don't suppose to take legal action from consumers they suppose to work out a solution in payment plan s.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MS)

Credit acceptance tried to sue me. It started with phone calls then they sent multiple letters and I responded over a course of a few months. I finally went to the scheduled court date vs credit acceptance corp. the judge was running late and even contacted the company before court started. They apparently forgot. They failed to apear and the judge stated, It is therefore, ORDERED, that the above styled and referenced case is hereby dismissed, without prejudice for failure to prosecute. Yet, it still present on my report as existing and open.
Consumer complaint received 2022-12-19
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. (NC)

I asked Transunion to verify that the Bankruptcy was accurate and how and whom did the verification, the sent me a letter saying it was verified and accurate. They never stated the method of verification which I asked them to supply. I never gave them permission to report anything g on my credit file. I also sent a letter from the bankruptcy court stating they do not report to the credit agency you. a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.