davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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. (CA)

My issue is with Chase Card Services. The address I have been contacting is Chase Card Services XXXX XXXX XXXX XXXX DE XXXX. We have XXXX issues both during the period of XXXX XX/XX/2022. 

# XXXX. While in XXXX we used the card to charge on a toll bridge in XXXX while driving a rental car. The toll was approximately {$20.00} XXXX. The mistaken charge came on our credit card bill as {$200.00}. We filed a written dispute in XXXX of 2022. The response from the credit card company was that we owed the amount in question which was in error. We wrote back to the card company that the {$20.00} was authorized but not the {$170.00} # XXXX. On the same trip to XXXX our Credit card was stolen. We reported the theft within XXXX hour. We also reported the unauthorized charges of {$1400.00}. These charges were removed from our bill the next billing period but subsequently added back the month later. 

Every month since that time we have written a dispute letter to the card company. The card company has ignored our dispute letters and continued to bill us plus service charges and interest every month. Several months ago we cancelled the account. 

Now we note that the credit card company has recorded a negative past due notation on our credit report and is not indicating this is an on-going dispute. The card company continues to ignore our correspondence on both issues and simply demands payment. 

We have been a customer to this company for over 15 years without any issues.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (TX)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1500.00} ; XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

When i graduated from XXXX in XXXX  and did my student loan exit exam as well as chose my plan it was the extended fixed repayment plan as to which i paid XXXX every month until the student loan pause. I went to check my account after edfinancial changed servicing i checked my bill XX/XX/XXXX it showed XXXX was due i called in to ask why it changed and they told me nothing was different i asked about prior payments they told me that i didnt show any i have banking statements that prove otherwise. This change hurts my family and the only other plan i could afford was the graduated plan which charges me more interest than the original. Why have the terms of our agreement changed? To me this is a rip off. So i switched and am now unable to view my account. This makes the organization look shady. It took XXXX hours to get ahold of them and a lot of people are blasting them on XXXX XXXX etc. for this kind of behavior. I can send all of my banking statements if necessary but have attached a screenshot of one.
Consumer complaint received 2023-07-31
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, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX 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 an 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 2023-07-17
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. (AZ)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. XXXX XXXX Account Number : XXXX 2. Payment status and creditor remarks are in accurate it is not charged off and unpaid XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Payment status is wrong it is not charged off XXXX Account Number : XXXX Please remove it from my credit report. 
4. Payment status that this was charged off is not correct XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX credit started running my credit without my authorization several months back. I called and spoke with someone at XXXX and they removed the inquiry from my credit report and stated they would not run my credit without my authorization in the future. XXXX continues to run my credit and I have NEVER given authorization for this, and I have NEVER applied for credit from XXXX. I have asked numerous times for this to stop, but XXXX continues to run my credit. I called in XXXX when I discovered they ran my credit again, I was told this would be removed from my credit, yet it is still on my credit report and then they ran my credit again in XXXX. I called again in XXXX and asked to have this removed, but XXXX has done nothing. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-12-06
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. (CA)

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$600.00}
Consumer complaint received 2022-10-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

How is it possible that more than 4 months after I started sending letters to the credit bureaus they haven't done anything for me? I know people who started sending letters long after me and they already have the results of the investigations. So it means that I have less rights than others?
Consumer complaint received 2022-12-06
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)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the 3 Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-01
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. (NY)

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under XXXX5USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (TX)

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (CA)

Added {$130.00} to vanillagiftcard Made online purchase for {$100.00}. Than later, tried making {$6.00} purchase ; it was declined. 
Tried checking card balance. A message appears that says system error. 
Not getting any answers. Going on day 3. I cant check balance and no one answers in customer service. 
According to XXXX. This is the number to financial institution. XXXX Thanks
Consumer complaint received 2023-10-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ZIONS BANCORPORATION (WI)

I purchased from Nevada State Bank two CDs : one on XX/XX/XXXX for {$1000.00}, the other on XX/XX/XXXX for {$1000.00}. Both are automatically renewable with no expiration dates. I kept the original signed certificates in my safe at home. On XX/XX/XXXX, I presented them to Nevada State Bank for redemption and the bank refused to pay because they have no records of the purchases, claiming that the records were purged. Can they refuse to pay?
Consumer complaint received 2024-03-11
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. (GA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2023-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (MD)

Avant is intentionally, and maliciously refusing to provide me an online accurate ten day payoff on XX/XX/23. Instead, they informed me I need to schedule a payment. Plus, they intend to mail the payoff, advising me it can take up to fourteen days to receive to payoff letter. Clearly, this company is disingenuous, because I applied on line. Now, they are manipulating the payoff amount. Initially, they say, We are an online company! Now, they can ONLY mail the accurate ten day payoff. Needless to say, their unscrupulous payoff practices allows them to outright lie/STEAL, about the accuracy of the ten day payoff. For example, the ratchet promise to mail the payoff off is useless, by the time I receive it its outdated, more shenanigans.
Consumer complaint received 2022-10-23
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. (PA)

I am a natural person, i am a living human being, i have right under 15 usc 1681. 
XXXX is govern by 15 usc 1681. and they violated my rights numerous of times i demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor, XXXX XXXX, XXXX XXXX, according to 15 usc 1681 : I have the right to privacy and i did not give XXXX written permission to furnish these accounts.
Consumer complaint received 2023-05-03
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: Tesla, Inc. (CT)

I moved from XXXX to CT in XXXX of XXXX. In XXXX of XXXX, I was informed by NY that I needed to surrender my plates and register car in CT, as I was now a CT resident with a CT license. I immediately contacted Tesla about this matter and requested the documents necessary to register the vehicle in CT. However, they have since oscillated between responding to me apologetically saying they will send documents right away to never following up and downright ignoring me. I have called them every month for nearly a year and emailed every department they have or recommended. I have gone and spoken to the dealerships in XXXX, CT and XXXX XXXX, NY, and none said they could offer any help. I have corresponded by phone and by email with Tesla Legal, Tesla Finance, Tesla Payment Resolutions, Tesla Lease Returns to try and resolve this matter and all have either offered no help or not responded- all I've needed was a signature on a POA agreement, extremely standard, to register the vehicle. The vehicle as such has been rendered illegal to drive and I was informed by the police and NY state that there's a motion to impound the vehicle. My lease is up in XXXX and I reached out to an attorney to help me gain a response. When none came, he had me draft up a termination letter ( attached ) and came with me to return the vehicle to the Tesla dealership I leased from in XXXX XXXX to renounce ownership and terminate the agreement. The people there refused to accept the car and kept us waiting for over an hour as they " contacted '' higher management, to which they said they could not get through to. They then called the police to get us to leave the dealership as we simply waited there and said we were renouncing ownership. The police came and made them give us an email to reach out to - Tesla Legal. To this date, we still have not heard back from them. There is no one left for us to reach out to to resolve this matter, so we are now reaching out here for government intervention. Given the car has been made illegal to drive due to them, I'm seeking reimbursement for the entire lease or at least last year of the lease and any fiduciary responsibilities related to the car and that they come pick up and take back the vehicle. The lease is done in XXXX and the only messages I receive at this point are automated lease return emails that require me to pay all sorts of fees and the remainder of the lease, which I have since stopped doing for these last two months ( XXXX and XXXX next ). All I was seeking was a standard legal document allowing me to legally register the vehicle and drive on the road. I was simply seeking to follow the law and this company has made that impossible and dragged its feet on that in such an unprofessional manner that the lease is now up and there is no time left to properly resolve the matter, leaving the burden squarely on me.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
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. (IN)

I am in complete XXXX XXXX to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31
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. (AL)

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.

The letters are stated with items and issues. 

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.