davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

Car was rented from XXXX at XXXX XXXX on XXXX XXXX 2022. My card was presented to the merchant for the cost {$110.00} to pay for rental in full. It was explained I would get a follow up bill for for toll by plate charges which was fine. 

On XX/XX/XXXX, the same rental agency charged my card again in the amount of {$170.00} for the same rental contract. I was already back in XXXX on XX/XX/XXXX so how could I rent a car again from half a globe away? 

Barclay has been contacted three times about the fraud and have done nothing to get it fixed. They have not asked for signed documentation for this charge and admitted that my card was not present with the transaction was made.
Consumer complaint received 2023-09-16
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. (TN)

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 XXXXXXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX has 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 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.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Company is saying that they cant release my funds because a check didnt have both signatures on a third party check that was deposited on the mobile app. First off they say they dont accept third party checks through the mobile app but they accepted mine so strike one. 
Strike two they cashed my check without the other signature. 
When they contacted third party the third party, XXXX, asked them why did they cash a check without their signature? 
Also why did they cash it beforehand and then contact XXXX after Chase received their funds for the overdraft fees that I had and cleared them with the check. Then They closed my account saying I cant get my money.
Consumer complaint received 2024-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

The car was a lemon I took took it to XXXX a couple of time for problems offer problems the last time the cast was about {$12000.00}. Plus and the car was not a year which was about {$40.00}. If I go the whole years to pay off I told then y will I put {$12.00}. In a lemon and the warranty that I pay for from them will not cover nothing so I surrender the car and after that they never contact me again I try to call the warranty company the car dealership but the give me the run around hung up I call back no one answered now the send {$12.00}. To collections witch I think they should give me all my money I put in the car maintenance wise and paying towards the loan on a LEMON.. ( ( XXXX ) )
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX my card ending in XXXX was fraudulently charged 3 times by XXXX in the amounts of {$97.00}, {$5.00}, and {$30.00}. I immediately received notice of these charges from Wells Fargo via email and text. I called on the same day, XX/XX/XXXX and spoke with customer service who stated she would file a claim on these charges, close my account ending in XXXX, and send me a replacement card. 

Today, XX/XX/XXXX I received a letter from Wells Fargo Claims and Recovery stating that We have completed our research and found that the unauthorized transactions that were reported did not post to your credit card account and will not appear on your credit card account statement. 

I called Wells Fargo today, XX/XX/XXXX and spoke with one fraud rep by the name of XXXX who stated she could not find the above stated fraud transactions on my old account ending in XXXX. She looked at my new card/account ending in XXXX and advised that those fraudulent charges had posted on that account instead. She advised she would have to transfer me to her counterpart XXXX to assist me. I was then transferred to XXXX, who then reverified my personal information, I then explained the situation to her again. She advised she would document those above stated XXXX charges as fraud and close my account. She then cold transferred me back into a queue after which the line was disconnected. 

I once again, called Wells Fargos fraud department. Spoke with a new rep, who advised me she would document my fraudulent XXXX  charges, she confirmed that my new card ending in XXXX was closed/canceled, but then stated she could not processes a replacement card. She once again had to transfer me to a colleague to assist me with the replacement of my card. I was then transferred to a gentleman by the name XXXX I believe who after verifying me for the 4th time, stated he could not processes my replacement card and could not explain to me why. He just stated I needed to go into a branch. I ended the call and came here to report this. 

Wells Fargo, this is appalling. I am frustrated and disappointed with the quality of your employees. I am questioning my future with you for my banking needs. 

I want the fraudulent charges from XXXX that I initially reported on my account ending in XXXX to be removed from my account. 

I NEED a replacement card for the account that was closed and that has the fraudulent charges showing on ending in XXXX. These XXXX charges were pending when I reported them on my card ending in XXXX, obviously they posed to the replacement card ending in XXXX. XXXX not sure how difficult that is to understand.
Consumer complaint received 2024-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MO)

Great Lakes student loans serviced my loans for years. NelNet took over in summer XXXX. I no longer have access to my Great Lakes login portal to download or view my tax form. They also have not mailed me one per the XX/XX/XXXX deadline. There is no phone number to call or email to reach them. 

NelNet states on their website : The IRS Form 1098-E is your annual student loan interest statement. It includes the amount of student loan interest youve paid on your student loan ( s ) in the past year. You usually receive your 1098-E in late XXXX of the following year. 

Nelnet will send you a 1098-E for the interest you paid to us after the transfer. Great Lakes should send you a 1098-E for the interest you paid while they serviced your loan ( s ). If you add the totals together, you can determine the total interest you paid for the year. Make sure to seek tax advice from a professional if you need assistance.
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (OH)

I submitted a claim for baggage delay under benefits allowed by my credit card. 
Date Baggage was Delayed : XX/XX/XXXX Claim filed XX/XX/XXXX I am disappointed and somewhat amused by the company 's response requesting for additional documents repeatedly. The documents they have asked for in the last round ( documentation from common carrier documenting when luggage was delivered and the itinerary with dates of travel, cost and last 4 digits of credit card number ) have already been submitted - in fact some documents submitted multiple times and in much detail. 

I am forced to conclude that repeatedly asking for the same documentation so as to delay the process and delay paying of the rightful claim to the claimant. 

Again, all requested documentation ahs been submitted previously in much detail. I should expect claims to be processed in a reasonable time frame without undue burden to the claimant ( e.g. repeatedly requesting the same documentation ). 

I have spent countless hours gathering and providing all the required documentation in an expedited manner.
Consumer complaint received 2018-05-21
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. (PA)

I have called each Bureau numerous times to correct my name and address.They are reporting my name incorrectly also my address. My names has the incorrect spelling. They have address I have never lived. I asked to just update with current address and delete those that I have never resided and nothing happened. I called and sent in letters. I have also sent in XXXX letters requesting accounts to be verified and they mail me back a report stating updated. I requested each bureau proof on paper to be mailed to me of each account showing to be verified and updated. If they can not provide that proof they should delete it immediately. All this is what i sent in my XXXX letter. I received no verification from any account. I want all to be deleted and my name and address to be correct. This is taking a toll on my financial situation. I want what belongs to me and everything that is not mine to be deleted. I want accuracy. I am fighting for my report to be correct and they are ignoring me. I want proof of every account they have, that is supposedly mine. I want my name to be correctly spelled. i want my address to be correct and every address not mine gone. I want the correct social security number on there. I just want accuracy.
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Turner Acceptance Corp. (IL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT l bought the car and he was very bad with electrical mechanics problems and 3 time the car was returned to the dealer for almost killing me in the car i need to be removed because of my credit reports please that's why i returned it. I sent the car to get fixed and the insurance did not want to respond. They told me that i could take the car to any dealer to get fixed and they cover any charges. They charge XXXX dollars and then the mechanic spoke to the insurance company and informed the insurance company the problem and the prize of how much it would be to be fixed and the insurance company informed the mechanic to not proceed with fixing the vehicle. Know there reporting to my credit report and i don't see its fair for them top be reporting to my credit report. i return the car XX/XX/year>
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " DISCOVER '' I the consumer have given notice for Discover to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Business Factors (CA)

XXXX XXXX XXXX XXXX send a bill to debt collector " National Business Factors , Inc '' to intended to collect a bill with incorrect billing coding due to the billing company 's fault. I already attempted to communicate with the billing company several times to request them update the billing in accordance to my medical insurance company 's requirement, but they refuse to correct the error even if it does not change the amount they can receive. 

I should have owned XXXX since my insurance will cover the full amount if they submit the bill in accordance to the insurance company 's claim billing code requirement.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AL)

My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them because the harassment has to end. This complaint is pointed toward Midland Credit Management.. All details and correspondence are attached to this complaint. I have no business or obligation to this company and the abuse has to end. I have attached a letter displaying a full detailed timeline and events that took place. I have been so stressed and I wake up with anxiety headaches in reference to their harassment.
Consumer complaint received 2023-09-14
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. (GA)

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the accounts which needs to be corrected or removed by the Credit Bureaus : XXXX. XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 


I have enclosed copies of documents that support my claims, including [ attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections ]. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (MI)

I have deposited a XXXX XXXX dollars check to my account in XX/XX/2023, but as of XX/XX/2023 money has not been released to my account or returned to the payee. 
On the XXXX XXXX dollars check the first 2 letters of my first name was misspelled. 
However, the check went through and the XXXX XXXX dollars was pulled from the payee 's account but my bank never released money to my account. My bank put on hold that money for so lang for almost 6 months. I have been asking my bank either release the money to my account or return the money to the sender or payee, so they can re-issue another check. Since the money is pulled from the payee account, so they have to get the money back to their account before reissuing another check to me. 
Now finally my bank locked my account, so I no longer access that account where I had already some money but I am not able to use that money anymore.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OH)

XXXX reported a hard inquiry on XX/XX/23 from JPMCB so I called to have it removed. A XXXX representative informed me that it would only be removed if JPMCB sent documentation to support its removal. I contacted JPMCB to inform them of the fraudulent activity. They acknowledged/confirmed the fraudulent attempt to open a credit card in my name. Then I was told by a representative in the JPMCB fraud department that they would send documents to XXXX and it could take up to 90 days before being removed. I called XXXX today to follow up and they told me they never received anything from JPMCB. It has been more than 90 days.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. They have removed one after agreeing to remove both its been3 months Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payment were late. If proof can't be provided I demand these payment be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2023-12-20
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)

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX equifax, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
Consumer complaint received 2022-02-21
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have previously disputed inaccurate information on my credit report under the following codes ; 039 Serious delinquency 018 Number of Accounts With Delinquency 005 Too Many Accounts With Balances 008 Too many Inquires in last 12 months All of these codes are incorrect and reporting illegally pursuant to FCRA