davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I was the victim of a " subscription bomb ''. On XX/XX/XXXX, {$870.00} was charged to my Chase Sapphire Preferred credit card for tickets to a XXXX XXXX concert in XXXX XXXX from XXXX XXXX. When I caught the charge, on XX/XX/XXXX, I immediately called Chase and had my card cancelled. Chase refunded the purchase and I thought that was the end of the matter. 
On XX/XX/XXXX, I received an email from Chase stating that I had received the benefit of the transaction, and that they were charging the sum of money back to my card. I called, and I was instructed to call XXXX XXXX, because XXXX XXXX would not release any of my personal information. The charge had come from my email and my account, so it appeared that I had made this purchase myself. I noted that this came as a result of my email being hacked, so of course it would appear that this charge came from me. I called XXXX XXXX who asked why I waited so long to contact them- and they informed me that they would start an investigation into this charge. Chase called today, XX/XX/XXXX, to follow up. Absolutely nothing had been done on behalf of Chase. I contacted XXXX XXXX, who informed me I need documentation from Chase stating that this is fraudulent, so that they could begin investigating. I called Chase back at XXXX XXXX XXXX and was informed that they would do nothing because their work day ends at XXXX XXXX XXXX 
Given that XXXX months has elapsed, I question why documentation has not occurred between Chase and XXXX XXXX to the effect of a fraudulent claim. Chase is not active in their investigation, nor is XXXX XXXX. I also question why I am expected to do the communicating between these XXXX companies, especially when Chase charges an annual fee and is FDIC insured for this sum of money.
Consumer complaint received 2024-01-04
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. (VA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CA)

XXXXWESTLAKE FINANCIAL preapproved me for a car loan, no down payment required approved up to XXXX XX/XX/year> went to XXXX XXXX XXXX XXXX XXXX called dealership and informed XXXX down payment needed. went to dealership to purchase advertised vehicle XXXX then was told i would need XXXX down payment. transferred XXXX from bank account. 
I was told that the excess in fees was an estimate and would be adjusted by the finance company on first bill. 
XX/XX/year> I reached out to them and they said the dealership is to request the change and make the corrections on the contract and amounts sent over to financing. 

XX/XX/year> When reached out to dealership they ignored and refuse to address my request on top of the issues i have with the vehicle not operating correctly. 
No resolve has been reached to date
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/year> I tried to transfer {$900.00} to pay my rent via Venmo. I have done this on the first of the month for each of the last 10 months. On this particular payment, I received an error message saying that " there was an issue with your transaction. Try again later. '' I tried XXXX more times on XXXX and XXXX, each time getting the same message. I contacted Venmo for assistance and received the following response : " I can assure you that there is no issue with your Venmo account, and your account is in good standing. However, to protect your account and prevent any unauthorized transactions, we have implemented various security measures that may occasionally result in legitimate transactions being declined. '' They also said : " Lets try changing your payment method to a different bank or debit or credit card, then send the payment again after some time. '' I do NOT have another bank to make this payment ( most people only have one bank ), and Venmo charges 3 % fees on debit and credit card payments ( in my case, an extra {$27.00}. ) When I complained to them about this, I got this response : " I've rechecked your Venmo account, and I can confirm that your Venmo account and bank is perfectly fine. Our security measures might play the occasional prank and decline legit transactions to keep you safe. '' I had to overnight a check to my landlord to pay my rent, and they are calling it a " prank. ''
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern : They're several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts AND information are listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INCOFFECT PRESONAL INFORMATION : Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX NAME : XXXX XXXX Im writing this letter to you in an effort to get these items removed immediately. This is a written dispute of all accounts per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (PA)

I was looking into XXXX to help build up my credit and basically what they have is you pay so much a month and then at the end of it you get the money that you put in I signed up and never actually went through with getting the card, the card was never delivered me. I never used it never even signed up. They say I signed up but never paid. Ive tried to write them emails now. Theyre on my credit report trying to collect the money and whenever I talk to them, they said you never even signed up so it just doesnt make sense. Its not right that they would go forward with signing up for a card that I wasnt even interested in. I just looked at it. An account never signed authorize savings plan or whatever it is, I tried to be nice to them. Ive disputed and they are business. I want it off my credit.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XX/XX/2023 capital one card, account was opened under my name. I called the company, they stated there wasn't anything could find u ser my name or ss, address nothing. The amount was opened for XXXX credit.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-01-04
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-04
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. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have called each credit bureau and sent mail disputes about the following inquiries and accounts - items that are not validated. Each credit bureau has requested I file an Federal Trade Commission Report through Idenitytheft.gov. I have filed the report which i have ( attached ) which all the the following accounts listed are in the ( attached report ) : Accounts To Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have inquires on my credit record that was not done by me these are the company 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NV)

I am writing to express my concern regarding the insufficient response to my debt validation request dated XX/XX/year>. Despite my detailed request, the response provided fails to meet the requirements set forth under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX XXXX. 

Under XXXX XXXX XXXX, a debt collector must provide certain information when a consumer disputes a debt. This includes : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement bearing my signature.

2. A complete payment history, including all charges and payments made.

3. Proof of your authority to collect this debt, including the chain of title for this debt.

4. Verification that no insurance claims have been filed regarding this debt.

5. Confirmation that no judgments have been obtained regarding this debt.

My initial request for validation, as outlined in my letter and subsequent communications, asked for the following specific documentation, which has not been provided : 1. A detailed list of the history of payments made by me on this account.

2. Chain of title of this debt stating that you have the ability to collect on this debt.

3. A signature that I put on a contract guaranteeing that I would pay this debt.

4. A signature on any modification of a contract guaranteeing that I would pay this debt.

5. A statement stating if an insurance claim has been filed on this debt.

The response received only included a general statement from the original creditor, XXXX at XXXX XXXX, without providing the detailed documentation required by law. Therefore, the information provided is insufficient and does not constitute proper validation of the debt. 

Failure to comply with the debt validation requirements under 15 USC 1692g is a violation of federal law. Since your office failed to provide the requested validation you are required to cease all collection activities and remove any negative information related to this account from my credit report. Failure to comply with this request will leave me no choice but to take legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 


I also request that all future communications regarding this matter be conducted in writing and sent to my address as noted above.
Consumer complaint received 2024-06-12
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: WELLS FARGO & COMPANY (CA)

on XX/XX/year> my card was stolen and there was a transaction made in a foreign country for {$3700.00}. I was XXXX XXXX XXXX and did not report the transaction as I was made aware that it was a person living in the house. I tried to find this person and resolve the issue before reporting fraud, and when that didnt happen, I reported the transaction as fraud. Wells Fargo continues to deny the claim, and is not honoring their fraud protection services. Their claims department doesnt provide any substantial evidence for denial, and continues to be rude over the phone when I call. This issue needs to be resolved or i will be filing with the attorney general.
Consumer complaint received 2024-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KS)

Ally bank is contacting people in my family who have no connection to my address or phone number. Ally is contacting them by phone and with robo calls, multiple times, which is unlawful/illegal. I have been in touch with an attorney to remedy this situation but if Ally resolves this issue immediately, it would be most helpful. 

The Ally website Pay Online option does not work much of the time and the website is often shut down for repairs at night. They call many times each day. I have already paid well over the original cost of my vehicle and loan but they are a predatory lender and refuse to refinance.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (NY)

I applied via student loans.gov in mid XX/XX/XXXX for the REPAYE income based repayment plan after the Biden administration said to do so to automatically be added to the SAVe repayment plan in XXXX. My loan servicer Mohela approved this request in XXXX. Randomly in early XX/XX/XXXX the new IDR status was issued as denied and I received no reason or clarification, only a letter that my repayment terms were changed to the Level repayment plan- which would require me to pay my entire rent every month?! Ive submitted new requests including my XXXX tax return ( even though the administration says I dont need to do submit documentation to certify income ) but have heard nothing. This is absurd.