davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Auto Loans, Inc. (AZ)

I had took out a title loan and had to file bankruptcy a few months after taking out the loan and this loan was included in the bankruptcy. I was able to get that dismissed and then I get a letter they had possession of my vehicle and were going to sell it in 5 days. I made an arrangement with XXXX XXXX to pay {$1000.00} by the following Tuesday XXXX. She ended up raising it to {$2000.00} and then {$3000.00} by the deadline saying XXXX XXXX would not allow her to take less. I was able to get the funds to them. They also claimed I was being charged storage fees that they were renting a space to store my vehicle. I paid the balance off a few weeks later and it turns out they owned the lot my vehicle was at behind one of their stores. I am requesting a refund of the difference in the agreement of {$2300.00}. This company is unethical, misleads and are untruthful in dealing or making payment arrangements with the public. If they somehow take possesion of your vehicle they will charge additional " made up '' fees and hold the vehicle hostage to get additional money out of the public.
Consumer complaint received 2023-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Activehours (TX)

The comps Earnin advertised that I could cash out a {$50.00} balance while they verified employment yet upon cash out they say you wont get it until they verify employment. 

In the time it takes O would no longer require the {$50.00} yet Id still have to pay it back with interest, Seems like a scam
Consumer complaint received 2023-03-06
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: JPMORGAN CHASE & CO. (FL)

Hello, I had a credit alert last summer of 2022 that my score had dropped immensely. I logged into XXXX account to see if anything was ontoward. I saw that there is a credit card with JPMCB in my name in the amount of approximately {$67000.00} that was unpaid. The address attached to this card is an apartment address in XXXX XXXX. I live in XXXX XXXX. Prior to that I lived in XXXX XXXX. I have never had another address in Florida or the XXXX. I have never had a credit card with this company either. The card is also opened in a business name with my name. It is similar to me but not the name of my company. I have spoken directly to JPMCB XXXX XXXX to dispute this and also with XXXX XXXX reporting where I keep an eye on things. I had experian remove this address from my file. I have received a letter from JPMCB saying that after months of investigation they have determined that I am responsible for this account and that they determined the address via public records. Also, basing their information on the fact that there were no returned statements and that previously the card had been paid by money order before I am assuming the person stopped paying. WHat doesnt make sense is that I explained to them I have never had an address in XXXX and if that is what is attached to this account, why would that person who opened the account return the statements? It seems also obvious that if that person wanted to make larger or more purchases, wouldn't they would pay something so they could continue to use it? In any case, please can you help me to remove this address from the public records and or advise me how to prove to JPMCB that this is in fact not me. I have no other blemishes on my credit report. Thank you.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

Hello, Ive been having trouble acquiring the title to the Hyundai Motor Finance car that I paid off in XXXX. Summer of XXXX I was advised to send a check payable to Commissioner of Motor Vehicles. 
I called back XX/XX/XXXX to follow up on status and was told the check was rejected as it should have been made out to NYS DMV. 
XX/XX/XXXX I sent another check and followed up in XXXX and was told it was rejected because it should have been written out to Commissioner of Motor Vehicles. I explained that is why it was rejected the first time. 
XX/XX/XXXX customer service advised me to request online and provided me the zip code in Tx directly. DMV confirmed transaction was sent. 
XX/XX/XXXX I followed up again and was told I need to write a check all over again. I explained I have been doing this for 2 years now and getting no where. 
Please can someone help me. 
Thank you
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

I log in beginning of this month and I see an offer so I Upgrade and start moving some spend to make sure to hit the free night reward, a week later I recieve an email with the same targeted offer XXXX hilton points for the surpass, So I call help desk and they say they don't see my original web offer applied, agent tells me since I have i valid email offer and its only been a week they can just rollback my initial upgrade and I can just accept the email after a day or so to get my upgrade offer as planned after a few days the targeted email offer is not working, I call in and at first they say offers come and go but when I point out that the targeted email says valid till XXXX, the agent opens a case, on XX/XX/XXXX I call in and the agent reads from case that they will honor the upgrade offer, all I have to do is submit proof of the email and valid code, I get the docs request email, upload screenshots and am told that I will recieve a call back in a few days and as long everything is as detailed I will recieve my upgrade offer sonce i recieve no follow since the XXXX, on XX/XX/XXXX I call in and ask about my case and the agent reads off the notes that my case was actually closed as of the XXXX somehow before my last contact with Amex, with the offers team saying they are not responsible for ensuring offered promos are valid, worse yet the agent sees no notes regarding what the last agent went over or the documents submission request.
Consumer complaint received 2023-03-07
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. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-07
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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
Consumer complaint received 2023-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion that'll delete all listed items. this has been an ongoing issue that needs to be resolved. alot of errors an invalid data is across all 3 credit file. please review an remove the information listed in the files asap.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Transunion, I am reaching out to request the removal of a collection account that is unlawfully requesting debt from me in a state that it is not licensed to collect debt in ; according to the XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX is the account unlawfully attempting to collect debt as a third-party agency. 
Along with this unlawful act, the agency is required to report accurate information at all times. I requested verification of this debt and this third-party agency ( XXXX XXXX XXXX sent back a document with an address that is wrong and not the address listed on both my state ID and license. 
*PROOF OF THIS WILL BE ATTACHED* The current creditor of this debt happens to be a company called XXXX XXXX XXXX XXXX in which XXXX XXXX acts as a smaller branch under this umbrella company. But this collection agency ( XXXX XXXX XXXX XXXX ) is also illegally operating in the state of Pennsylvania as it does not have the proper license to collect debt in my state of residency ; according to the XXXX XXXX XXXX XXXX 
I ask that this agency look into this violation and handle it with care. I ask that you remove this collection account due to multiple unauthorized activity performed on their behalf. 

Also, I have disputed XXXX XXXX XXXX collection account # XXXX multiple times with your agency due to inaccurate information, but this account still hasnt been updated or removed. The last reported dates are inaccurate, date last active is different on all three credit bureaus, date of last payment is different on all three credit bureaus. Your agency has also failed to uphold the FCRA LAWS by breaking law FCRA 623 ( A ) ( 3 ) : The credit bureau must report previously disputed or consumer disputes in the comment section of an account that was disputed within 30 days of the dispute. 

This collection is not being reported on XXXX and XXXX, why is Transunion reporting this account? 

ATTACHED IS A XXXX XXXX XXXX XXXX, ATTACHED IS A CFPB REPORT, ATTACHED IS MY DRIVERS LICENSE, STATE ISSUED ID AND SOCIAL SECURITY CARD FOR IDENTIFICATION PURPOSES.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late or any purpose.
Consumer complaint received 2022-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The following is a simplified version of a very convoluted story : Fifth Third Bank purchased my mortgage from XXXX, a XXXX XXXX roughly in XXXX of XXXX. The management of my escrow account has been a nightmare. I changed my home owners insurance carrier from XXXX to XXXX effective XX/XX/XXXX, informed Fifth Third XXXX Department of this and asked them not to pay the XXXX account, but XXXX instead. I was assured by phone this would happen and not to worry about it. In spite of this assurance Fifth Third paid both policies duplicating my home owners coverage and raising my monthly payment from {$1300.00} to {$1700.00}. This was of course a hardship. I intervened, and after much work on my part received a refund from XXXX. In one of my many calls to Fifth Third XXXX Department I asked for an investigation and explanation of how and why this happened in spite of my best efforts to head it off. I never received my request. In another call the person insisted that the inadvertent payment never occurred! 
As a result, of Fifth Thirds mismanagement of my escrow account in XX/XX/XXXX I requested to manage it myself. To summarize, I ran into a buzz saw of confusing red tape and futile phone calls consuming hours of my time. Amid the confusing fog of many contradictory phone calls, irrelevant letters and emails sent to me by Fifth Third I have been told that I am meet the requirements to manage my own escrow. I have paper copies of all of this and can through documentation of this complaint if required. It is now XXXX and I still do not have control over my Escrow account despite being assured that I qualify. I have spent hours and hours in phone calls, writing letters and emails and get nothing but confusion and then silence for Fifth Third. I want to be released from this nightmare. Please help!
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

This organization is in violation of 15 USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-10-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED XX/XX/XXXX
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (IA)

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 number : XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX 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 2021-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (IL)

I feel that it is because of Associated Bank that I have been scammed out of {$1200.00}. I recently had a transaction I was involved in selling a piece of furniture. I received a check from a potential buyer, which I cashed. I had to send a payment to a mover which was to be from cash I had from cashing the check. I was told by the bank teller that it could take up to five business days for the check to clear and ensure the check was good. 
On the fourth business day after cashing the check, I called Associated Bank customer service line and spoke with XXXX, who informed me that the check had cleared. I specifically asked him to confirm it had cleared both banks, and he assured me it had. The fifth day, I called again and spoke with XXXX? who confirmed again that the check had cleared both banks. I then paid the mover with the cash. 
Two days later, I received an NSF notice, dated the same day that I had the phone confirmation with customer service. When I went to the bank and spoke with the branch manager, she was very nice but said that I should not count on customer service because they were not always good with communicating correct information. I should call a branch and speak to the manager in the future, because they are much more experienced. She sent my information to her fraud department, and nothing further was offered. 
If I had not been assured twice by two people at the bank that the check had cleared both banks, I would have never released the cash to the mover. Now I find myself out the {$1200.00} because I believed the Associated Bank customer service department. I asked the bank to check their recording of my calls to verify what I asked and what I was told.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Ask to remove address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX from XXXX and XXXX due to I have never lived at this address and this was incorrectly reported by a 3rd party, XXXX XXXX XXXX who had to refund me my money due to fraudulent information.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX is inaccurately reporting on my credit file. I have previously disputed this collection account with all 3 major credit bureaus. It no longer shows on XXXX and has been deleted from XXXX. They did not delete it from Transunion but instead marked it as closed. This account needs to be deleted. If it has been deleted from the other 2 it should be deleted from them all due to inaccurate reporting. Below you will find an attachment showing the account deleted from XXXX as of today, XXXX
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting Act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.