davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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)

I am writing to bring to your attention an alarming experience I recently had with XXXX XXXX XXXX and the subsequent mishandling of my dispute by Chase Disputes Department. On XX/XX/2023, I solicited the services of XXXX XXXX XXXX to repair my AC unit located at XXXX XXXX XXXXXXXX XXXX. The technician, representing XXXX XXXX XXXX, charged me for a XXXX XXXX that he claimed was used to potentially detect leaks and additionally for XXXX pounds of freon. However, the unit continued to underperform, prompting me to contact the company again. Their assessment was that more freon was needed. Given the recurrent issues, I decided to seek a second opinion from XXXX XXXX XXXX. On XX/XX/2023, a senior technician from REM undertook a thorough inspection and not only confirmed that my unit was spraying freon, but that I didn't need the dye because you could clearly see the freon spraying out of the unit. The technician also revealed that the UV dye application I had been charged for by XXXX XXXX XXXX was never conducted. 
This was confirmed using specialized XXXX XXXX XXXX In response to this discovery, I promptly filed a dispute with Chase Disputes, challenging the charge of {$1000.00}. It is deeply concerning that a service provider would act in such a deceitful manner, capitalizing on my lack of technical expertise in the matter. To my dismay, on XX/XX/2023, I received a decision from Chase Disputes ruling in favor of XXXX XXXX XXXX. This decision not only lacked a thorough understanding of the nature of my dispute but also denied me the opportunity to provide supplementary evidence, including a crucial video from XXXX XXXX XXXX, which irrefutably proves my claims. The dismissal letter from Chase misconstrued my dispute stating, " That I disputed the charge because I believed that I cancelled the service with the merchant due to quality of service provided, '' which is patently incorrect. My grievance is explicitly due to the fraudulent service rendered by XXXX XXXX XXXX and the payment I made for services that were never delivered. Given the above, I am appealing to the Consumer Financial Protection Bureau to investigate this matter, ensuring : A thorough review of the unethical and deceptive practices of XXXX XXXX XXXX. An inquiry into the dispute resolution processes at Chase Disputes, which seem to be lacking in due diligence and a genuine understanding of customer complaints. It is distressing to believe that consumers can be so easily defrauded, and I hope that the CFPB can provide recourse and ensure that such practices are adequately addressed. Thank you for your attention to this matter. I trust in the integrity of the CFPB to act in the interest of justice and consumer protection. Sincerely, XXXX XXXX
Consumer complaint received 2021-05-28
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. JPMCB - AUTO FINANCE on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX CR SVC on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (SC)

First Disputed this debt on XX/XX/XXXX with all XXXX credit bureaus and it came back as validated. Disputed again on XX/XX/XXXX. Midland Credit Management ( Also known as Midland Funding LLC ) has been reporting on my credit and fails to provide proof of my obligation to this alleged debt which has been requested two times already. They have sent me a a spreadsheet with an account # and balances dating back to XX/XX/XXXX.To my understanding these documents do not qualify as full verification. Under the Fair Credit Reporting Act I have the right to demand they disclose all of the documents they have recorded and retained in their files. I need to see signed contracts saying that I am liable for this debt and that Midland has the right to try and collect from me. This company is in violation for continuing to verify accounts with the major credit bureaus without proving evidence as requested. All unverified accounts must be deleted. In addition to not providing the proper verification on the most recent notice from Midland Credit Management they state " In response to your dispute, we have requested that the XXXX major credit bureaus change the status of this account to " disputed '' Your credit report will not be updated if the federal reporting period has expired. '' Is this a threat from Midland Credit Management to keep this negative information on my credit for as long as they would like??
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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (FL)

I reported unknown charges on my apples card. They opened an investigation and removed the charges. In the midst of the investigation, they locked my account. My monthly payment came due for less than {$3.00} and I was unable to pay it because I was locked out. I attempted to contact them before the due date passed and could not get through. A couple of days later I was able to get my account unlocked and paid the balance. They refused to remove the late payment reported to my credit, which dropped my score XXXX points. I have not missed a payment in over 10 years. I attempted to resolve and they were not helpful.
Consumer complaint received 2021-05-28
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. (TX)

Experian is not correcting and updating my payment history from my Social Security Office account. It shows in collaboration and Ive made payments for the past 6 months to that account. Ive called every month for the past 3 months to Experian to correct issues. They have done nothing.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (AR)

It is my understanding that banks are required by law to give IMMEDIATE CREDIT for direct deposits from the Federal Government -- in this case " Civil Service Retirement. '' IF MY UNDERSTANDING OF THE LAW IS INCORRECT PLEASE ADVISE. The bank failed to pay three checks at XXXX XXXX XX/XX/2021 as NSF while waiting to post the Federal Government 's direct deposit of $ 5,000+ until XXXX XX/XX/2021. This resulted in a {$20.00} late payment penalty on one of the payment which had to be rescheduled along with the other two ( fortunately no penalties there ). I do not care what the Bank 's agreement says they should have given credit for the days deposits before processing payments. They do the same thing with Social Security, Social Security XXXX, Veterans Benefits, and all federal direct deposits. Explain to me if anything is going to be done to stop this? What this bank is doing is criminal. Please respond. Thank you.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

I applied for an income-driven repayment plan, specifically the XXXX plan, a few days ago. Today I get an email saying I have to provide proof of income from the last 7 years. I was in school until XXXX working part time, and only had stable income from XXXX onwards. 

I read the documentation for the XXXX application and don't see any requirement for past income, only current. Are they allowed to ask for 7 years of prior income? It seems meant to make the process difficult on purpose so they can charge a higher amount per month.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX XXXXt made a false collections claim on my TransUnion credit report for a {$2000.00} debt owed to XXXX XXXX XXXX XXXX from 2014. I have never held accounts with this bank and have no outstanding debt. I gave read multiple reports about XXXX XXXX XXXX XXXX being a fraudulent company. TransUnion should not allow false information to negatively affect their credit reports, this costs time and money for citizens.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citi promotion for new account published on internet with terms if $ XXXX funding new account by XX/XX/XXXX, maintain for 60 days to earn {$200.00} bonus. I met all criteria and am being denied promotional bonus due to discriminatory, unfair and deceptive practices. 
XX/XX/XXXX new account opened by telephone. I asked for bonus code but never provided. Agent told me not necessary. 
XX/XX/XXXX {$5100.00} funding posted XXXX XXXX, contacted Citi via their chat feature and was assured by multiple agents I met all criteria and {$200.00} bonus would post by XX/XX/XXXX. 
Bonus DID NOT post, contacted Citi to resolve. They told me there was no bonus and would not honor the terms. 

I contacted Citi multiple times via phone and no resolution. I emailed their board members no response. 

Please help to give me the bonus due. I did my part and this is creating harm to my family by Citi discrimination and unfair,, deceptive practices.
Consumer complaint received 2023-08-16
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: U.S. BANCORP (CO)

This was a hard inquiry for a loan or credit service I didnt authorize. XX/XX/2023 from Elan financial services. 

I tried calling ( XXXX ) XXXX and all I got was USER BUSY notifications though my cell phone provider. 

Contacted XXXX and put a fraud alert no my report as well as disputed the inquiry.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission in violation of the privacy act of 1974 etc. I have not authorized any of these creditors listed to have access to my credit report, and/or score. 

Please remove this information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX These accounts was not made by me. I never gave written consent to furnish on my credit report. : 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
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2021-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

Noticed a charge on my credit card for {$260.00} reported it as a fraud to Best Buy Security Operations. I received a letter from Best Buy Security stating that this was an automatic charge for a benefit. ( Don't know what the Benefit was for ) They re-billed me and then reported this to the 3 Credit Bureau 's. I did pay the {$260.00} as soon as I received the posted letter XXXX XXXX. I received the letter on XX/XX/2021. Have closed the account.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (TX)

Someone opened an account in my name on XX/XX/year> for {$690.00}. with Sunrise Credit Service. I've never even heard of this company, let alone been into there place of business. I've had to lock my credit accounts because of this. I tried to dispute it, but they keeping right on calling " stating I responsible for this account, which as I stated above I never opened up in the first place. The account number in question is XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc. (TX)

Chargeback for two transactions XX/XX/XXXX and submitted XX/XX/XXXX for XXXX at an atm that withheld my funds, Bank did not respond and failed to provide a credit within XXXX  days which is the law and can be proven by Reg E. failure to do so is against the law. please provide my credit back to my account or I will take this higher to courts.
Consumer complaint received 2021-05-28
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2019-06-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Capital Group, Inc. (TN)

On XX/XX/2019, I was asked to e-sign a background check for XXXX / XXXX XXXX XXXX XXXX. They collected my signature and cut copy and pasted to a contract that a company called XXXX XXXX is trying to collect on. XXXX XXXX has reported this fraudulent account to my credit causing me to lose over 60 pts in one month. I contact XXXX XXXX and requested a copy of the original contract vis email. They sent me a 3 page copy of a contract with the date of my signature altered. On the 3 page, it clearly shows when they collected my signature and the date they applied it.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I asked to cancel my XXXX  as my home value is appraised and loan amount is less than XXXX XXXX of the loan amount. I reached out to chase they asked me as my account is less than XXXX XXXX in age asked me to do significant improvements, I did the add a new patio and again asked them to consider and they came back saying its not considered and now they are saying they dont provide a list of improvements they will consider and asking me not to fill the PMI cancellation form every time and they have been rejecting it every time this is the 4th time, and they refuse to provide me with list of improvements that will be considered. XXXX XXXX is my investor and as per their website for XXXX  cancellation nothing is mentioned as significant improvents are needed to cancel my XXXX, XXXX  XXXX  website only states my loan value should be XXXX XXXX or less than the appraised home value.
Consumer complaint received 2021-05-28
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-08-16
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: TD BANK US HOLDING COMPANY (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX and XXXX 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 an account without my written instructions.

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

XXXX XXXX
Consumer complaint received 2023-08-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

i have been harassed via phone calls by debt collectors  like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from portfolio recovery and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in 2022. I have been denied credit and can't move on in my career with these items being reported on my name
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There are accounts that are not mine.. Ive been a victim of identity theft And with one account in particular I was misled given false information when I agreed to settle the account. Also I see false addresses on my account.. and when I tried to file a dispute.. the system will not allow me.. Also after speaking with someone about the issues.. checking later none of it has been removed
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MO)

Upon reviewing my credit report I noticed that Bridgecrest was reporting on all three of my credit reports XXXX, XXXX  and XXXX  a 30-day late for XX/XX/2020 in regards to an AUTO LOAN. I reached out to the company to provide me with valid information and paperwork in regards to this 30-day late item showing I was in fact 30-days late. Bridgecrest company REFUSED to provide me with the information I request. In addition, I requested that they immediately delete the inaccurate 30-day late payment from all three of the credit reporting agencies XXXX, XXXX and XXXX but Bridgecrest refused to accurately update my credit reports. During the XXXX when Bridgecrest stated I was late, I literally no longer owned the car at the time. It was TRADED IN at the DEALERSHIP in the month of XX/XX/2020 and I DID not OWN the car. I have not been able to resolve this issue with the car company, or have my credit report updated accurately.