davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On Thursday XX/XX/2018 I was looking for some last minute concert tickets on-line and XXXX website came out with some good offers. I decided to give one a shot since it was extremely tempting. I contacted the seller through gmail and she responded to all my questions. It was a total of 24 e-mails back and forth as to how she was going to transfer the tickets and how she wanted the money for them. She proceeded to give us her information and she wanted to be paid for tickets through XXXX. I had never used XXXX but had heard my husband maybe use it a few times with some of his co-workers. He works for USAA and since XXXX is available through USAA we thought it was a trusted app. We have been banking with USAA for the past 19 years and they have always stand by anything that is available through their USAA app. So I proceeded to ask my husband to transfer {$250.00} for concert tickets to her through XXXX. As soon as he put in the request to transfer the money, I notified her and she quickly responded that she had received the money and was transferring the tickets through XXXX. She assured me through our e-mails that this was not a scam and that she didn't have time to be taking peoples time and money. She was given us a good deal since she couldn't attend the concert since she had to work and didn't want the tickets to go to waste. Unfortunately, within the next XXXX minutes she stopped responding to my e-mails and never transferred the tickets that we had agreed on. As soon as this happened, I contacted USAA and after XX/XX/XXXX minutes on the phone with them, the representative suggested for me to contact my husband and tell him to put a stop/cancel the transaction through XXXX because maybe we were on time to stop the transaction. I asked them what if it's too late? he said, then call us back and we'll see what we can do. This made me feel relieved and thought they are going to put in an investigation and we will get our money back. So, I contacted my husband, but unfortunately it was too late because the money had left the account and he had gotten a confirmation. My next call was back to USAA. The representative asked a couple of security questions and transferred me to the fraud department to put in an investigation. After a couple of days, on XX/XX/2018, we get an e-mail telling us that they had completed the investigation and there was no error because XXXX is a personal money transfer service and does not provide purchase protection but ... ... we happened? We thought our bank did? They will be deducting a provisional credit of {$250.00} from our checking account on XX/XX/2018. Now we feel we have been scammed by the concert lady and our bank!
Consumer complaint received 2024-03-21
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$690.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}
Consumer complaint received 2023-12-17
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: Bread Financial Holdings, Inc. (TX)

Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that COMENITY BANK XXXX didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. I really hope we do not have to take this to court. The following account is in question CBXXXX XXXX
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I applied for a loan payment deferral with Toyota Financial. The agreement covered 2 months XXXX of 2018 and XXXX of 2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XXXX and XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to Toyota and now my credit report shows I was late for XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and Toyota to no avail. The information sent to me by Toyota outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
Consumer complaint received 2023-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

My credit card was stolen and used there are fraudulent charges on this account XXXX XXXX has refused to correct the issue instead they are updating the dates and balances and account history each time I dispute the account prolonging the process also the account has been reported charged off but I received a letter from a collections company whom XXXX XXXX has sold the account to trying to collect on this debt. As a victim of identity my information should have been kept confidential. I am entitled to a full investigation and removal of this account. This account does not follow FCRA guidelines and is a violation of my rights as a consumer. This account is reported charged off which means a 1099-c should have been mailed to me regarding this action made regarding the accounts status. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report.
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (GA)

Dear Wayfair Consumer Department, I am writing to formally request validation of the alleged debt associated with the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive detailed information regarding the validity and nature of the debt.

To facilitate proper validation, I request the following information : 1. A detailed breakdown of the payment history, including but not limited to : a. Original loan amount b. Date of the last payment made c. Specifics of each transaction leading to the outstanding balance d. Any interest or fees applied and their corresponding dates 2. An original, signed contract or agreement that provides evidence of my obligation to CBNA/WAYFAIR MASTERCARD and demonstrates their legal rights to collect the alleged debt.

Please be advised that, under the Fair Debt Collection Practices Act, it is imperative for debt collectors to provide such verification within 30 days of receiving this request. Until proper validation is provided, I dispute the validity of the debt.

Furthermore, I do not authorize your company to share any of my non-public personal information, including the information reported on my credit report, with any third parties. Additionally, I understand that under the provisions of 16 CFR 313.7, I have the right to opt out of your reporting. 16 CFR 313.10 ( a ) states, You must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. I do not believe your company has followed or respected such guidelines. Please perform and comply with both state and federal law.

I want to make it clear that if your offices have reported inaccurate or invalidated information to any of the three major credit bureaus ( XXXX, XXXX, or XXXX ), such actions may be considered fraudulent under both Federal and State laws.

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the stipulated time frame.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX are reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name on my report if it is delete it immediately it is causing me identity issues which could lead to criminal penalties, my address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed on my report if it is delete it immediately it is not deliverable by the united postal service and it cause me significant loss.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 XXXX XXXX XXXX XXXX XXXX CA charged me {$820.00}. Services were never rendered and its fraudulent charging.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (CA)

THERE ARE ITEMS ON MY REPORT THAT I DID NOT CONSENT TO WHICH IS A RESULTS OF FRUAD, I HAD NO IDEA ABOUT THE UNKNOWN UNAUTHORIZED ACCOUNT AND THEY NEED TO BE REMOVED. 

1 ) XXXX  2 ) ALL INQUIRIES
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Received shipment of an XXXX that was redeemed with Chase XXXX XXXX on XXXX. Upon opening the box there were hairs on the box, the box was very dirty and dusty, and there was a tear on the packaging as if someone ripped off a sticker on the box. 

Not knowing if this box was tampered with or not, I immediately called Chase XXXX XXXX XXXX  and sent in the photos the same day on XX/XX/. 

I was told to send in the photos again on XXXX which I did ( not sure why ), and it's been 14 days and no one at Chase is giving me a return label so that I can return this product. 

I called Chase today to see the status on my shipping label, and they told me to call XXXX themselves ( what great customer service.. I need to call XXXX myself because they can not ). XXXX told me they don't provide shipping labels to customers and I was suggested to a local XXXX store to see if anything could be done. 

I took the phone to the XXXX store they notified me that this phone was not purchased from XXXX and that it was purchased through a 3rd party reseller.

It's been XXXX  calendar days since I first sent Chase the photos of phone packaging that I received from Chase. They told me a shipping label max would take 10 days. It's been 6 days after the noted threshold. 

If Chase can't support products redeemed with points, don't even offer this as an option as it's clear that Chase doesn't have the process in place to supports its products and customers. 

I am still waiting for my return shipping label.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (FL)

I filed an original complaint against this business under CFPB XXXX. On, XX/XX/XXXX  ( see attached ) the business used a standard format cut and paste letter. I followed the guidelines of the letter, I provided the business my social security number. I provided the business my drivers license through the Secure Transfer Portal on XX/XX/XXXX  under ID XXXX. On, XX/XX/XXXX  the business is confused and sends me an email asking me what I want to dispute. I NEVER received a copy of my report, thus, I am unable to see what needs to be disputed. The business needs to send me my consumer report.
Consumer complaint received 2018-09-04
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: SYNCHRONY FINANCIAL (FL)

This is being sent in response to notices sent to me from " SYNCB/CARE CREDIT '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming SYNCB/CARECR as an entity entitled to enforce a commercial claim against me.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY (TX)

Yesterday, I went to the XXXX XXXX of XXXX, XXXX, TX to trade in my XXXX XXXX XXXX for a certified preowned XXXX XXXX XXXX XXXX. The process took several hours and when I finally met with the finance person, he was overwhelmed with loans and was pressuring me to hurry and sign the paperwork. I was NEVER shown the itemized breakdown for these charges. 

I was only shown separate papers with the agreed upon price of the car, the pricing for maintenance plan and warranty, my trade-in value, interest rate and my monthly payments based on that information. I had to agree to each of them separately. 

When it was time to sign the official documents, the finance person switched between two different screens, a tablet and computer screen, to have me sign the documents. I think he deliberately hid the full view and tried to confuse me about what I was signing. 

He said he would email me the entire document. When I finally saw the document in full after the dealership was closed, I realized that I was overcharged and even charged for items I never agreed to.
Consumer complaint received 2018-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I applied for a loan payment deferral with XXXX XXXX. The agreement covered 2 months XX/XX/2018 and XX/XX/2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XX/XX/XXXX and XX/XX/XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to XXXX and now my credit report shows I was late for XX/XX/XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and XXXX to no avail. The information sent to me by XXXX outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have repeatedly contacted Chase Bank regarding an ongoing issue where they automatically deduct {$300.00} from my checking account and transfer it to my investment account, despite my explicit request to stop this auto-debit arrangement. I have spoken to over 18 employees across multiple calls, yet none of them have been able to rectify the issue. The auto-debits occur every two weeks, causing my account to be overdrawn on several occasions. I have not authorized any recurring payments, and there is no reason for Chase to continue withdrawing funds without my consent. Despite my numerous attempts to have this issue resolved, Chase has refused to stop the unauthorized transfers. i do not want the accounts closed, i just want the auto debits ended. 

account ending in XXXX is the account in question.
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

My wife and I entered a contract to purchase a XXXX XXXX XXXX financed by Credit Acceptance ( housed near XXXX, Michigan ) on XX/XX/2018. As of today ( XX/XX/2018 ) we still owe {$27000.00} on the car, it's worth according to XXXX XXXX XXXX as of the same date is nearly {$20000.00} less than what we owe. I believe this contract is unlawful, fraudulent and unconstitutional. I do not believe it is legal to charge people nearly $ XXXX over the course of 5 years for a vehicle that is valued under {$10000.00}. In only five or six short months we have already paid nearly {$3000.00} in monthly payments, never late. These payments are in addition to the {$2500.00} down payment we paid at the time of purchase. We called Credit Acceptance to renegotiate the terms and we were met with rude remarks and disrespect. Surely our original agreement is illegal. There are loan sharking usury laws in place in this country and interest can not be astronomical. Please help. After further investigation it seems that XXXX and XXXX are subject to much higher interest rates on car loans due to discriminatory crediting practices. If my wife and I were a XXXX couple, we would have received a much better deal. This contract is illegal on many grounds and should be revamped or abolished.