davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NC)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expected to finance XXXX XXXX XXXX XXXX as that was what we had discussed prior to me going from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When signing the documents with the finance manager XXXX he was quickly discussing warranties. I had been told by the sales rep that the dealership " gives '' you a warranty of sorts so the process had taken HOURS and he was going quickly and I was XXXX engaged because I had to get back to get my child and get to work. The final paperwork showed a financed amount of XXXX XXXX and I was SHOCKED!!! I didn't say anything at the time to XXXX. When we were leaving my mother told me the difference was the extended warranty that was right at {$6100.00} that I didn't want. They told me I had 5 days to return the vehicle for any reason if I wanted to. I didn't want to return the vehicle at the time, but I did want them to remove the extended warranty. On XX/XX/XXXX I called XXXX and explained the situation with the extended warranty and that I didn't want it. He of course tried to get me to keep it, but ultimately said he would cancel it and send the information to Ally the finance company to issue a credit on the loan. He stated when I got my paperwork from Ally it would reflect the credit for the extended warranty. XXXX did absolutely NOTHING!!! 
My first payment was due to Ally on XX/XX/XXXX. As of XX/XX/XXXX there had been no credit issued. My mom who is a co-signer on the loan with me went to social media as XXXX isn't registered with the XXXX to voice our issues. She received a call that day from XXXX - XXXX XXXX at XXXX XXXX XXXX stated we had to go to the dealership website to cancel the warranty. I argued that with him as no one had said that up to that point and we had been through it with XXXX & ALLY. XXXX stated if I would do that he would expedite the check to ALLY and it would be credited within 7-10 business days. ALLY agreed with that comment. 
That check was sent to Ally on XX/XX/XXXX, XXXX # XXXX for {$6100.00}. As of today that check has not been credited to my account. 
The dealership also calculated the tax & tag too high and the check to the DMV had to be returned 3 times. There was on overpayment of {$600.00} that was also to be sent to ALLY for a credit to the bottom line. That hasn't hit the account yet either. 
The intent all along was to refinance with my credit union for a better interest rate. Today I decided to go ahead and deal with the credit union as I was getting NO satisfaction with XXXX  or ALLY. When running all the figures the credit union tells me they can't refinance because the Loan to Value was in excess of 120 %. Obviously if those credits were on the account this could potentially be rectified. 
We are so tired of dealing with this mess. It's been going on for nearly 3 months and enough is enough.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group (TX)

complaint # XXXX first. complaint. 



You are providing false information. The above lawsuit was not for XXXX XXXX. I did not mention at all XXXX XXXX. This is regarding the lawsuit that was filed against Phoenix recovery group associated with XXXX XXXX. This is what I provided.
Consumer complaint received 2022-11-17
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. (TX)

I filed a complaint regarding collection companies that are collecting debt I do not owe them. I did not do business nor any transactions with them. They are asking the wrong person and the accounts that they say belongs to someone else.
Consumer complaint received 2023-12-03
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: EQUIFAX, INC. (TN)

I am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.
Consumer complaint received 2020-07-29
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: JPMORGAN CHASE & CO. (FL)

Please see the attached supporting docs. This is a short version of the 29 pages submitted to Chase credit card via upload to there website and mailed in which they advise were received. 
On XX/XX/XXXX I booked a hotel room on my credit card ending with XXXX via XXXX XXXX XXXX for XXXX XXXX XXXX for a 6 night stay XX/XX/XXXX to XX/XX/XXXX for {$830.00}. This was part of a 3 week tour of XXXX. On XX/XX/XXXX the Hotel advised they can not accommodate us as English Government will not allow bookings due to Covid19 and per their website they have rented the rooms to Covid19 first res-ponders. I got no where with the merchant who offered a future credit. I am traveling with my spouse who has a XXXX  XXXX XXXX XXXX XXXX XXXX diagnosed XX/XX/XXXX, and this was probably his last birthday where he can XXXX and XXXX XXXX. He wanted to be in XXXX, XXXX. We live in XXXX XXXX, FL I disputed the merchant chase with Chase hold times over 3 hours.I then uploaded supporting docs and mailed in hard copies. 
Chase sent a refusal of the dispute siding with the merchant dated XX/XX/XXXX stating " I either received the service from the merchant or it was made available to us. They also can not confirm if services were available. In the documentation I gave from the merchant they admit the room was NOT available. Chase failed to read my documentation. I contacted a supervisor who was cold and could care less not protecting my money from a double billing hotel. 
'
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NY)

ive been trying to reopen my checking account with wells fargo. since my account suddenly was closed with them without telling me or anything why. i did not receive my money left in the account and didnt get anything. tried multiple times to reopen my checking account as i did like banking with the money
Consumer complaint received 2023-04-24
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. (TX)

I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

XX/XX/2020 my Citibank account was closed due to a deposit not in my name. Prior to the deposit I had roughly {$7000.00} in my account The deposit had brought my account to a total of {$9000.00}. {$5000.00} I had sent to myself from my XXXX  because I felt that much money wasnt safe in that account since its not connected to a real bank I also sent myself {$500.00} from XXXX, I received a pAycheck in the amount of {$900.00} from the federal government and I just received my state taxes at the beginning of the month in the amount of {$1300.00} the bank closed my account and said I would receive a check in the mail that following Monday no check came I called and went to the branch and was told to wait for a letter I received the letter stating my account was closed the bank discontinued our relationship and would refund any money in the account prior to closing I at risk of losing my home I already borrowed as much as I could from family I have XXXX kids I keep calling the bank and getting hung up on no one wants to tell me where my money is or when a check will come in the mail. When I do get someone on the phone they tell me I have an available balance of {$18.00} thats all they can tell me and when I say my account had $ 7000+ the reps response is oh wow thats a big difference but sorry I wish I could tell you more. Everything I had was in my account everything I have nothing I already lost half of everything and had to have my kids stay somewhere else because I cant feed them and their home will be gone soon. I didnt know letting my step son deposit into my account would do this Im sorry I just need my money back I was told at the branch I could get my money bank but when the manager tried she said my account was still in the process of being closed.
Consumer complaint received 2024-03-22
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. (SC)

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. 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. Please see attached file for these items I am complaining.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.
Consumer complaint received 2024-03-22
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. (VA)

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 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

Chase charged me a {$95.00} annual fee for a credit card that I have not used for 9 months. I called to ask to have the fee reversed and close the account. The representative ( XXXX with an XXXX accent ) stated repeatedly that the fee could not be reversed even if I closed the account. The fee had only been on my account for 20 days, so I was surprised that they could not reverse the fee. Right before hanging up in disappointment for paying a worthless fee, as a last resort, I asked to speak to a manager. While waiting for the manager, I searched the internet and found that it is in fact Chase policy to refund these annual fees within 30 or 40 days of posting date. When the manager came on the line, she confirmed that policy and closed my account. 

** My complaint is that Chase Policy is being completely misrepresented by their agents. ** This is infuriating. It's bad enough that I have to waste time on this XXXX. A bank 's agents CAN NOT misrepresent their policy in favor of the bank. This agent did it REPEATEDLY. That is straight up fraudulent. They are probably rewarded for this XXXX or instructed to do this XXXX in some XXXX call center. Customer Service first tier is clearly intended to deflect and frustrate customer to give up. THIS CAN NOT BE ALLOWED TO CONTINUE. Especially for a BANK!!! Y'all should fine them or force them to send out proactive notifications of Annual fees and force them to have a one-click button on their website to refund the fee and close the account. That would torpedo this scammy behavior of charging fees for cards that are not used. Or maybe require that annual fees are automatically waived if a card is not used for the preceding 4 months. These are great ways to make them fix this XXXX!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights with the below negative accounts. 15 US Code 1681 states I have the right to privacy and confidentiality and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 
Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the Right to privacy 15 USC 1681 604 A. Section 2 : states a consumer reporting agency can not furnish a Account without my written instructions 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing the following : Adverse item information other than records of conviction of crime that antidotes the report by more than seven years.

15 USC 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 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

I have been getting harassing and threatening letters from Nelnet for over a year. They will not help me gain access to their online portal, provide a description of the charges that created the debt, or even what the total debt is. They will not provide me with a way to even view the debt.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

15USC 1681 SECTION 604 THESE INQUIRES WERE DISPUTED AND REMOVED LAST YEAR AS RESULT OF A FRAUD AND IM NOT SURE WHY THEY ARE ON MY REPORT. I KNOW THIS LAW PROTECTS ME FROM THESE INQUIRIES BEING ON MY CONSUMER REPORT BEING THEY ARE NOT CONNECTED TO AN ACCOUNT WITH ANY EXTENSION OF CREDIT. 

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 2023-04-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CO)

On or about XX/XX/XXXX, i opened a Certificate of Deposit online with US Bank at their website. On XX/XX/XXXX, I visited the US Bank Branch at XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX Branch " XXXX '' to deposit {$1000.00} in cash to fund the CD. I was given a receipt and told it would be deposited in a couple of days. As of one week ago, when i contacted US Bank, which in turn pushed the complaint to the branch manager, XXXX XXXX XXXX XXXX, he told me that it would be a couple of days to complete the deposit. Daily I have checked the account ; daily the {$1000.00} has not been deposited into the account. Although he said that the money would be credited as the funded date, there is no evidence of what happened to the {$1000.00}. I contacted US Bank again today with no luck ; i then called the Federal Reserve Bank Consumer division and they forwarded me to the consumerfinance.gov website where i am filing this complaint against US Bank. This is the year XXXX ; i can't have the foggiest idea what would take more than a couple of days to fund this account and bee accountable for the {$1000.00} cash i gave the branch manager on XX/XX/XXXX Is there something i don't know about the registration of a CD that takes more than a couple of days. When i put money into the bank, it is immediate, when i take money out of the bank, it is immediate. Why would it take over ( at this point ) two weeks to show where my money is. Please look into what i would think is a violation of the law. 

While writing this complaint from work, the copy of the cash receipt is at home. I can forward it when i return home..
Consumer complaint received 2023-11-01
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. (AL)

According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

XXXXXXXX XXXX XXXX- amount {$4700.00}. I was XXXX XXXX and was put on reassignment and submitted my XXXX order to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX XXXX {$3900.00} I was XXXX XXXX and was put on reassignment to deploy and submitted my orders to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX receive the property and reported it to collections with a balance of {$4100.00} which I was told, all was needed was to collect the property. Ive been reaching out since XXXX for theie actions to be corrected and no response. 

All companies did not honor my military orders and have been harassing me to pay a balance that is not legal. Since then, date have been updated on those XXXX accounts which I have reach out to them multiple times to dispute.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

My XXXX loan servicer changed, and the resulting transfer ( which was outside of my control ) resulted in a negative adjustment of XXXX for one credit bureau and XXXX for another. My credit should not be penalized for a decision that was made outside of my control.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.