davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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)

Good morning, After major struggles with my XXXX Chase credit card, and with the other company involved on this matter ( XXXX XXXX XXXX XXXX XXXX ), I've decided to seek help from the Consumer Financial Protection Bureau. I've spent endless hours filing complaints back and forward with both of them. I find it shocking that my XXXX Chase credit card did not really care too much to help XXXX of their clients, after receiving a simple " no '' thru XXXX letters in different letters sent to me in their final decision. In fact, the credit card company asked not to contact again on this matter. 

I provided an extensive amount of evidence on this. I have enough evidence to prove this companys scamming costumers, but Chase Credit Card must have some sort of special relation with XXXX XXXX XXXX XXXX XXXX  ( the other company involved ). And trying to contact XXXX XXXX aXXXX XXXX XXXXl ( the company involved ) was a real waste of time. XXXX XXXX XXXX XXXXXXXX XXXX attempted fraud and scam, the second I showed up with my family on their facilities to rent a car. 

I will simplify with a quick timelime of events. 


XXXX I arrived with my family at XXXX Car and Truck Rental, a requested deposit of {$150.00} was placed in my XXXX Chase XXXX. They tried to charge twice, because I showed up XXXX minutes before car reservation, that didn't happened. 
XXXX On departure, a receipt was denied, and promised via email. Never got the receipt. ( after multiples attempts to reach the company. ) Never got the deposit. ( opened a major dispute with Chase ) Start going back and forward with XXXX Chase on this. The credit card deposit was {$150.00} and it just disappeared like magic, with no receipt. No receipt what so ever still.. 

XXXX Called Chase, regarding a letter they sent me, stating the alleged disputed transaction was valid. 
XXXX. Chase got the receipt from the company. 
XXXX. Chase claimed they sent me receipt the XX/XX/XXXX. 
XXXX. I never got the receipt. 
XXXX. Chase re-sends receipt to me. 

XXXX XXXX the receipt from Chase FINALLY with a breakdown. 
XXXX After thorough review now I can see why there was never a receipt disclosing details. 
And here are the reasons : XXXX. Half of the charges were already charged on original purchase via XXXX XXXX. The other half : tolls services, these tolls services were NEVER requested when submitted deposit at arrival. Unwanted toll services and inaccuracy on CAR mileage. 

I took photos of the mileage, and everything else that was wrong. I finally got another receipt from XXXX back in XX/XX/XXXX. This took place back in XX/XX/XXXX and I finally got a receipt XX/XX/XXXX, there ws prob. no receipt, ever, when Chase got involved the made a who knows what with wrong figures all over the place. My deposit was never returned.
Consumer complaint received 2023-04-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Climb Credit Inc. (PA)

I submitted a forebearance request to my lender, XXXX XXXX, to temporarily lower my payments. The monthly payment is roughly {$500.00} a month. For the past several months I have been making forebearance payments {$50.00} /month. Every 3 months I make an additional {$50.00} payment and submit a new request for the next 3 months. 

This request was denied because " the benefit is maxed out. '' There is no information about the forbearance program eligibility, or maximum available online and the company is unwilling to send it to me as " can only be accessed internally under the Lender Directions and Profiles. ''
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I have tried several times to work with Experian ( along with XXXX ) to remove inaccuracies within my credit report, and they have continuously refused to even investigate my claims. Each time, I receive a bogus, auto-generated response - even though I am sending PROOF that the claim is valid. 

Please see their email response below : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free '' There is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. Even so, I have sent these letters myself now on 4 occasions.. the companies are ruining people 's lives and are not being held accountable. Thank you in advance for looking into these issues.
Consumer complaint received 2022-10-28
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: EQUIFAX, INC. (MO)

I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on XXXX and Equifax that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.
Consumer complaint received 2023-08-17
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. (GA)

This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Hello and thank you for helping out, I have my card in my possession however its passed the expiation date. 

Ive been waiting for a replacement and nothing has arrived. 

I submitted a request online twice as instructed and nothing has arrived yet.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (IN)

Goldman Sachs charges double interest : interest for the month in which a late payment was made, and interest on the total balance of the next month, even if the balance of the previous month was only paid one day late and the entire balance of the second month was paid in advance. This method of charging interest is unlike any other major credit card issuer, is surprising, not disclosed to consumers until after it happens, and deceptive. 

Further, the bank does not mention that the second interest payment can be avoided by not using the credit card in the month following the late payment ( I think that would avoid the interest ). Instead, Apple simply says you have to pay the interest for the second month.
Consumer complaint received 2024-11-14
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (NY)

Dear Sirs, On XXXX XXXX I purchased a Macys gift card in the amount of $ XXXX.The clerk activated the card for use .It was sent as a gift. When the card went to be used ; there were no funds available. This card was purchased at a XXXX store on XXXX XXXX in XXXX NY. I went to XXXX to inquire and I was told this happens frequently. There was nothing they could do. I went to contact Macys directly .After much haggling, I was told to go to any store and my card would be replaced. However, this was not the case, and the store refused to give me a new gift card. My last try was to my bank, Citibank, to open an investigation .I have since had two letters from them, stating there was nothing they could do .I was hoping you might be able to assist me in this matter. Apparently, two behemoths of retail, could not take some kind of responsibility for this outcome .I, the consumer, am left holding the bag.
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The following is a detailed account of the violations perpetrated by various creditors, which have had a profound impact on my life. 

Violation Details : XXXX, Account : XXXX Violation : Failure to remove inaccurate and unverified account from my credit report, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX, Account : XXXX Violation : Reporting inaccurate information and failure to validate the debt, violating FDCPA Sections 807 ( 8 ) and 809 ( b ). 

XXXX XXXX, Account : XXXX Violation : Failure to provide accurate and complete credit terms, violating TILA Section 226.6 ( a ). 

XXXX, Account : XXXX Violation : Inaccurate reporting and failure to provide debt validation information, violating FCRA Section 623 ( a ) ( 1 ). 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Reporting of unauthorized account without my consent, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX XXXX  XXXX | XX/XX/XXXX Violation : Reporting unauthorized account, violating FACTACT Section 605B ( a ) ( 1 ). 

XXXX  AS, Account : XXXX Violation : Reporting unverified and inaccurate account, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 


I kindly request that the Consumer Financial Protection Bureau enforce the applicable legal provisions to rectify these violations. It is my earnest desire that the creditors remove these unverified and inaccurate accounts from my credit report, thus restoring my ability to secure credit, housing, and employment without unjust hindrances. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. Enclosed with this letter are supporting documents, including copies of relevant credit reports and correspondence with the creditors in question. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution that will allow me to regain financial stability and peace of mind. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (CA)

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 name : 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 crime 's 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 2024-04-01
Product: Credit card — General-purpose credit card or charge card
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. (IL)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-08-17
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: U.S. BANCORP (TX)

In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-08-17
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. (VA)

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.
Consumer complaint received 2023-08-17
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. (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.

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.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I was XXXX on a thursday XXXX of XXXX. On Friday the XXXX of XXXX I released my property to a friend vehicle keys cell phone wallet ect. An unauthorized withdrawal from an ATM in the amount of {$1000.00} was made late friday XXXX of XXXX with multiple attempts at withdrawing more but my max was reached at {$1000.00} that day.the following day another unauthorized withdrawal was made on the XXXX of XXXX in the amount of {$700.00}. I was released on Sunday the XXXX in the morning. These were unauthorized withdraws. I filed a fraud claim. Wells Fargo the credited me the money " I was under the impression that they acknowledged my claim '' so I paid bills and what not with the money. Days later the come back to say that my claim is closed and stated that " Either it was me who made the withdrawals or it was someone I gave permission to, consider this claim closed we will be withdrawing the credited {$1800.00} in 10 days from your account '' I have no idea how I could have made these withdrawal when I was XXXX and I gave no one permission to do so either.
Consumer complaint received 2024-09-19
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. (GA)

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$750.00} XXXX XXXX XXXX  Acct # XXXX {$200.00} XXXX XXXX  Acct # XXXX {$900.00} open XX/XX/XXXXXXXX XXXX XXXX Acct # XXXX {$830.00} open XX/XX/XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : MIDLANDCRE - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report.

According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. 

Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX