davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (TX)

My leased vehicle was stolen and Ally Auto is my lease provider for my business loan leased vehicle I called them to report total loss and they are refusing to accept the details even though the vehicle was stolen and they do have gap insurance on the vehicle in the amount up to {$150000.00} which is more than the vehicle is worth as this point. I been trying to provide them with police report but they are refusing to accept it. Its a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX of XXXX XXXX. The police report is with XXXX Police department report number XXXX phone number XXXX. They are refusing to open a total loss case as required by law since they are my gap insurance XXXX XXXX department. I need them to accept this information and right this off as a XXXX XXXX They are also reporting in accurate information on my credit report since this is a total loss which is a violation of the fcra and the XXXX  debt collection act.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

1. On the date, XX/XX/XXXX, I still have my XXXX card physically in my wallet. 
2. On the date, XX/XX/XXXX, about XXXX, I received a email fraud alert from Chase , asking if I authorized use your Chase debit or ATM card for {$2400.00}, I promptly responded No, something is wrong to notify Chase to confirm it is a fraud transaction. ( please see Email XXXX  uploaded ) 3. On the same date, XX/XX/XXXX, Chase closed the old XXXX card and issued me a new one. 
4. However, the transaction was still showing as pending, I called in to Chase, but was instructed to wait until the pending status changed/updated. 
5. Thus, the claim was filed on XXXX, when to my surprise, the pending {$2400.00} went through ( even I replied to the email alert ). 
6. Most importantly, I understand the merchant ( XXXX XXXX ) is located in XXXX, while I am in XXXX XXXX, XXXX, this whole time. I didnt understand how an out-of-state transaction could be valid with all these Red Flag of fraud. 

The claim then was denied on XX/XX/XXXX, the Chase research team deemed it valid, as the merchant provided my name, phone number, so it was valid. I am surprised! 

I submitted the email attachment and a personal statement to explain, and after long long wait for Chase to re-open/reinvestigate, I called many time to get more information, but only bits and peices was giving to me over the phone. Finally on XX/XX/XXXX, and was told new information that the transaction was " XXXX XXXX ''. Which I never used XXXX XXXX with my Debit card. I provide more information to Chase as below : 1. I never used XXXX XXXX, I had been a XXXX phone user. I use XXXX XXXX and/or XXXX XXXX XXXX 
2. On the date, XX/XX/XXXX, my XXXX XXXX also have fraud activity, as in, someone opened a new line and replaced my phone number XXXX, changed payment methods etc. In short, I was hacked. I didnt think these two was related, but now it seems related. 

In short, my own {$2400.00}, a huge amount was lost and Chase is not protecting me well, or work to catch the electronic thief. 
Remember, I clearly responded to Chase ' Fruad alert, which mean the {$2400.00} should not had been lost in the first place. 

Please help!
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (IL)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section XXXX of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. Equifax is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : 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 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Consumer complaint received 2023-08-15
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. (VA)

XXXX  XXXX XXXX wrote by Fax : The settlement on your home equity line of credit is complete. 

What this means to you We will no ionger seek payments on this account. Your home equity line of credit was charged off on XX/XX/XXXX. 

Weve closed the account and will notifythe credit burcaus tho-account has been settled for less than the full balance. 

There may be tax consequences as a result of the settlement. 

All three agencies show a charge off date in XX/XX/XXXX not on XXXX
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (FL)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : I XXXX XXXXXXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I previously filed a complaint about inaccurate credit report on my Experian report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

I overpaid my Chase Credit Card accidently, and called for credit balance refund on XX/XX/XXXX. I was told to watch my email for an approval and it would take 4 days. I asked to have the balance simply transferred to my Chase Bank Account. I called XX/XX/XXXX because I never got the email. I was told it was not processed on the XXXX, and I should watch my email for an approval message I should approve. On the XXXX I called again and the account representative said the credit was never processed, but they would send an approval within 4 days ( again, same story ) or they will just send me a paper check within 10 days. I called on XX/XX/XXXX to ask where is my money. I was told a refund was processed on XX/XX/XXXX and I will get the check on XXXX. This is 30 days after I made the initial request and has put a burden on me. 

The credit card statement says the money was refunded on XX/XX/XXXX but I continued to get the run around from account representatives on my refund. 

At present I do not have my refund. I feel Chase representatives have consistantly lied to me about the refund. I request CFPB help with the overpayment refund. 

Thank you, XXXX
Consumer complaint received 2024-03-29
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. (TX)

I urgently request the removal of a hard inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. I want to emphasize that I did not apply for credit or authorize any entity to make an inquiry into my credit history on the aforementioned date. This unauthorized inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2024-01-02
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. (MD)

XX/XX/ I reported inaccurate collections from XXXX XXXX XXXX XXXX XXXX to Equifax. The transaction was not removed and remains on my credit report. 
XX/XX/XXXX  I reported inaccurate collections from XXXX XXXX XXXX XXXX XXXX to Equifax requesting that this transaction be removed from my credit report. Dispute # : XXXX via telephone to agent named XXXX. This will be my second time making a complaint about the transaction. I received an email stating that I can check the results of my dispute however, the only information that is given is the status of the complaint but not the actual results of the dispute. There is on pdf file attached displaying or explaining the results of the dispute. Additionally, the website www.equifax.com states that you can view the XXXX however, the website just loops you back to the view dispute status page. The transaction was not removed and remains on my credit report. They also told me that they would not reivestigate this transaction. 
XXXX I requested validation versus verification of the debt as I don't have a contract, have never had a contract and don't owe XXXX XXXX XXXX XXXX XXXX This information has not been provided to me. 
XXXX Making an official complaint with CFPB.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Despite multiple certified letters ( the three most recent attached with a copy of the certified return receipt also attached dated - XX/XX/23, XX/XX/23 and XX/XX/23 ) to Equifax to corrected the status and the amount of a XXXX Bank account on my Equifax credit report ( XXXX XXXX XXXX # XXXX ), Equifax has refused to either correct or, preferably for me, to delete this account for blatant inaccuracy and misreporting. I just telephoned them again today and talked to a barely cognizant, confused representative who told me in some unintelligible hybrid XXXX XXXX language that they have not received any letters from me in over a year!!! Equifax has purposefully ignored my certified letters and now is not even acknowledging that I even sent them letters even though I have certified proof!!!
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (AZ)

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incidentthat occurred several years ago at the airport in XXXX XXXX XXXX. I lost my wallet and luggage at the airport. Mywallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate thewallet, it was never recovered.Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. Iam concerned that my personal information may have been stolen and used to commit identity theft.I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the creditbureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.Thank you for your attention to this matterI am willing to prosecute.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Frontline Asset Strategies, LLC (NY)

On XX/XX/XXXX, I submitted a non-disclosure, opt-out letter to FrontLine Asset Strategies LLC . Despite this, the company persists in violating my rights under the Fair Credit Reporting Act by disclosing my nonpublic personal information to nonaffiliated third parties. This ongoing violation is having detrimental effects on various aspects of my livelihood.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed and updated to on consumer report I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency LexisNexis has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681. Failure to address and rectify this dispute within the regulatory framework may regrettably compel me to pursue legal actions. I appreciate your immediate attentio to this matter and expect a timely response and resolution. 

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  * 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. also 15 U.S. Code 1681 ( o ) * 15 U.S. Code 1681 ( i ) * 15 U.S. Code 1681 ( e ) ( b ) * 5 Violations in total
Consumer complaint received 2024-05-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I had a Best Buy credit card when it came time to renew the card it came with a renewal fee of {$190.00} I ignored it assuming that it would just be cancelled. The next month another bill came with interest and a late fee. I called Best Buy and cancelled the card and reversed the initial charge but not the interest and late fee. I was told to contact Citibank about that. I was unable to get a representative and instead could only access automated responses. I sent a letter and eventually, someone from Citibank called me. I explained the situation and a report was made. Nothing was done about it. As of today they claim I owe {$120.00} for interest and late fees for absolutely nothing. If I had known that this would be such a problem I would have kept detailed records of everything but who ever heard of owing interest for something that wasn't purchased? The credit card was cut up and thrown away a long time ago so I don't know the full account number but it ends with the numbers XXXX.
Consumer complaint received 2023-09-01
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: WELLS FARGO & COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (CA)

Hi, I hope this message finds you well. I'm reaching out to request a detailed breakdown of each loan, specifying the monthly payment allocated to cover the principal and interest for each. I've noticed fluctuations in my monthly payment from Nelnet since the restart of student loan payments. 

Despite making additional payments on top of my regular monthly payment, my current loan balance keeps rising. This is concerning as I expect my payments to cover both principal and interest for the entire month. Could you please provide insights into why this is happening and explain why my overall balance isn't decreasing? 

Your prompt assistance is appreciated. 

Thanks, XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MI)

On XX/XX/2024 I received a letter from resurgent capital services about a debt I told them to stop communication. 15 usc code & 1692c a states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a direct violation of 15 usc code 1692c a..
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.