davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit 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)

Chase closed my credit card account in XXXX. I went on line in XXXX and paid the final bill and I thought I was done with this card. I never received another statement and didn't go on-online to check too check this account further since it was closed and I paid in full. Then in XXXX I receive a notice from Chase that my account was past due. I went online and saw that even though my account was closed, they allowed a charge from the XXXX XXXX  ( I had canceled this subscription in XXXX and should not have been charged ) in the amount of {$65.00} to post to my account and then charged a late fee and interest since I didn't pay it. I called Chase. They said they were going to put the {$65.00} in dispute status and reverse the late charge. Today I received a notice from my credit monitoring app that my credit score had gone down 80 points because of a late payment to Chase. I go online and see that they never processed the dispute and they charged me a new late fee in XXXX. I just hung up with Chase and they are again saying they will start the dispute process and reverse the charge.
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southern Management Systems Inc. (MA)

On XX/XX/2023, I logged into XXXX XXXX to discover that I had a derogatory mark on my credit for the amount of {$400.00}. Upon inspection, this mark was due to an outstanding balance owed to Southern Management Systems. Several months ago I received phone calls everyday from a number that was unknown. Voicemails were repeatedly left that did not clarify what the calls were regarding. They simply stated " Southern Management Systems. '' I ignored these calls because I believed they were fraudulent and that I was being harassed by a scammer. I never received notification that I had an outstanding debt with Southern Management Systems or the issuer of this debt to Southern Management Systems. I was never sent or provided verifiable information that this debt belonged to me. This is illegal. I need to be notified that I have a debt that was issued to a debt collector in order to take the next steps. I have no idea how long this debt has been outstanding. I am not happy with this collector and their failure to provide due diligence. I am also unhappy with the failure to notify me of what Southern Management Systems is and why they have been repetitively contacting me. Additionally, I was never provided an account number by the debt collector to verify that the debt was mine or the ability to pay it off.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (GA)

In XXXX I got a car from us auto XXXX XXXX XXXX about three weeks of having the car I start having problems. I called us auto to see what my options was on getting the car fixed. The man from us auto advise me to take my car to there shop to get it looked at but the shop has alot of cars right now he will give me a call back with more information on when they can fixed the car. So two week passed by I called only now I'm mad because now he tell me they still have alot of cars. Give him about another week not he would see what he could do to get me another car. Another week pass no call now I call him back now only for him to tell me that he not able to put me in another car because I still owed alot on the car I already have... So at this point I'm stuck with a vehicle that doesn't work correctly and I can't get out the car until I make the payments down. So I looked at my contract and noticed the amount when I got the car was different on the documents. So i called and asked he told me it's entrance fee. That's alot of fees I'm buying two cars in one ... So fast forward to XXXX since then I been paying on a car that doesn't start every time I try to start it. My car jerks when it switch gears the air went out the people can't find where the leak coming from. So I said I'm not calling this time I'm going up there. And when I got there I was surprised no cars and no one in the off. The company close down without any letters or communication to the customers that they was filing for bankruptcy. So now Westlake portfolio brought us Auto out and now I'm trying to deal with them and they clueless on what's going on because there are no documentation on what was going on and I asked for my warranty to try to get my car fixed they gave me a number now to find out the numbers out of service I'm just really lost and speechless right now
Consumer complaint received 2023-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

The problem related to A REMOVAL OF CREDIT BALANCE ( {$240.00} ) on XX/XX/2023 of my AMEX blue cash magnet account. AMEX removed the credit balance but never paid back the credit. They said they sent the check 3 times, but I found they sent it to a different state. On XX/XX/2023, they tried to transfer the credit to my XXXX and that time it worked. However, I found there was a Credit Balance Refund on my account, and it was taken as a charge for this refund and I need to pay for this refund. I tried to dispute this problem many times but never got any response.
Consumer complaint received 2022-12-21
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. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have been banking with 5/3 bank now for almost XXXX  years. Back in XXXX of XXXX I cashed a check for XXXX some XXXX dollars that was issued to my XXXX XXXX and my handyman for an insurance claim from XXXX XXXX. XXXX is my XXXX XXXX and 5/3 asked him to come in show his ID to verify this is his signature. So he did and they put a hold on the check for XXXX weeks and then it cleared my account for I can start the work on my house to fix it. Then they cashed another XXXX of these that was XXXX in XXXX of XXXX without him having to come in and show his ID. Then XXXX was detained and is in an establishment that he can not leave so he made his XXXX  his POA knowing this was going to be coming up as he is still on the mortgage and that we still had XXXX more checks that needed to be deposited into my account to continue the renovations. They denied his POA and even though his new DL license has his new address with the facility proving that in fact I am not trying to scam the bank that is detaining him they will not deposit this check. XXXX XXXX is his XXXX  and she tried to come into the XXXX XXXX XXXX with her DL to prove who she is, not to mention I provided them with the XXXX  as well and my lawyer said I read about the typical things XXXX  can fall short on ( being too limited or dependent on some future event before they kick in or etc etc ) and this has none of those. They turned XXXX down and said there is nothing that can be done. I made an appt on XX/XX/XXXX with the XXXX of the XXXX XXXX branch to have them reconsider this and they denied it again because it is their policy and that there's nothing that can be done for me. I am just trying to get my life put back together and 5/3 is denying me for no reason! Please help me in this matter time is of the essence and I am a single mother who is just trying to get our home put back together. Thank you so much I do appreciate it.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. I know my rights and I will XXXX.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance Owed : {$270.00}
Consumer complaint received 2023-05-26
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-01-25
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. (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. 

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 I # XXXX, XXXX XXXX XXXX  # XXXX, XXXX 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX my score was dropped by XXXX points. I havent opened any new accounts, havent closed any, have never ever been late on any payments whatsoever. Contacted credit reporting agencies, they had no idea why.. ever since I signed up for XXXX XXXX with my XXXX a count, funky stuff keeps happening. They lowered my credit score by XXXX points out of nowhere just a few months ago.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Called number for EQUIFAX provided to me today. 
Have been on hold 1 1/2 hours now. 
What I do get, as CFPB knows from it 's audit calls to the number CFPB provides the public, is marketing efforts while " on hold. '' I have gotten free annual credit report from two of the three - but EQUIFAX now says to request in writing ; I.e., introduce mail risk into the mix. 
How do I get free annual credit report from EQUIFAX? 
EQUIFAX runs one through process - entering SSN twice, etc. - then says " try again later. '' Have placed freeze with other two. 
How do I get credit freeze applied at EQUIFAX? 

Does CFPB brochure describing the credit system controlled by these three? 

If not, can CFPB direct consumers to an source for an explanations?
Consumer complaint received 2023-04-13
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC (CO)

Over the course of the last XXXX  years I have repeatedly requested information from the debt collection agency Vinci Law Firm, LLC.

Initial they said they would send it in the mail. I never received any such documentation that I in fact owe this debt. 
Furthermore after contacting them again, I requested information about the same alleged debt and they again assured me they would send all information regarding the XXXX XXXX XXXX XXXX Account, this time through email. 
I requested for the document to be sent both to mail and email however the company claimed i could only chose XXXX method. Since they were " lost at the Post Office '' somehow I decided to go through email this time. 
Currently I still haven't received anything yet and these request were made over XXXX  months ago. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Please remove any notices or references to any " XXXX XXXX XXXX XXXX XXXX XXXX loan accounts from all credit reporting agencies and their subsidiaries and denote them as under dispute until this matter is resolved.
Consumer complaint received 2023-08-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

I had around {$300.00} as a total balance on my account, the monthly payment was about $ XXXX if I remember correctly, I had absolutely no trouble paying this monthly. However, I believe it was around XXXX of 2022, I was suddenly unable to access my account. I entered my login information ( email and password ) as usual and I would get an error back saying that my information was not found in the system. 

At first, I assumed there must be an error with my password or email or etc. so I attempted to retrieve my login credentials through the " forgot username/forgot password '' prompts. However, after providing my name that's on the card, my XXXX, and the last 4 of my social, I got the same error. At this point I have officially no idea what is going on, and decide I will call customer service. They refused to speak to me without being able to pull up my account, which apparently didn't come up in their system when I provided the necessary info. 

Unfortunately this matter slipped from my attention as I have a life and did not hear back about the account for months. It was only about 6 months later that I see on my credit report that the account has been reported as charged off on top off having late payments. My credit score tanked. I immediately called customer service again and demanded that someone explain to me what is going on. Finally, someone explained to me that there was fraudulent activity on my account that had been detected, and they locked my account out of precaution. This would have been great if only they had INFORMED ME OF SUCH ACTION. Instead I was unable to access my account or pay the due balance. 

About a month and a half ago, I once again contacted customer service to see what could be accomplished. The first service rep, when asked about the status of the account, informed me that there has been " a confirmed fraud on the account, and you are no longer responsible for the account. '' I was quite relived to hear that, and asked to be transferred to someone who could then work with me to get the inaccurate information deleted from my credit report. I was transferred to whomever would be able to help with such however, they immediately went back on what the previous service rep told me ( not to mention the others before her months ago ) and that there was no fraud after all. After much back and forth, they agreed to open a dispute in my credit report, but this ended up accomplishing nothing.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Nevada XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I initiated a transaction for {$300.00}. The transaction went through. On XX/XX/XXXX I opened my Venmo account and it showed a message claiming " Your Venmo Account is Suspended ''. I reached out inquiring why my account was suspended and was told that there was a transaction that I had flagged as fraud ( I did not ). They told me they couldn't provide any verification that it was me, and that it was likely another person, so I should change my password, but that the case could take up to 10 days to resolve. After the 10 business days, I reached back out asking why it hadn't been resolved and was told that I needed to reach out to the Accounts team. The Accounts team instructed me to send a photo of my ID and myself holding it, which I sent on XXXX. They instructed me to change my password, which I did. This operation signed out my Venmo from all of my devices, and I was met with an OAuth2.0 error related to a Venmo outage that was not disclosed to users and has no remediation date. I have now not had access to my funds ( I have about {$300.00} in my account, and have sent {$300.00} in the flagged transaction ) in almost two months. Venmo has not given me any expectation of when this problem or my Account suspension will be remediated, and has not provided any updates outside of me reaching out.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (TX)

I started disputing inaccurate information by sending letters to the credit bureaus ( XXXX, XXXX, and XXXX ) and discovered an old account ( Military Star or AAFES ) which was opened on XX/XX/XXXX close to 30 years ago ( with my ex-military spouse and somehow now it's showing up as my debt ) along with some others reporting negatively against me on XX/XX/XXXX, and again over 30 days later XX/XX/XXXX and XX/XX/XXXX, and recently XXXX. The account Is charged off and showing both closed and open at the same time and the balances are all different ( {$10000.00}, and {$10000.00}, and as of today it's stating the amount is XXXX ). It has been previously verified that the third-party vendor ( XXXX XXXX , XXXX or XXXX ) states they are not reporting on my credit report and can not affect a change to how the original creditor has listed the account on my credit profile. The account of the original creditor ( Military Star ) is with XXXX who is not reporting and is proven the account is being paid and in good standing so therefore the Military Star account should not be reporting on my credit report. Please remove this account. I feel like my rights were violated ( Pursuant Regulation F, 12 CFR 1006.34 ( c ), 15 USC 1692g ( b ) from the date I sent the first letter. My rights have also been violated under 15 USC 1666b and 15 USC 1637 ( b ), 15 USC 1681s-2, and 15 USC 1681 s-2 ( a ) ( 1 ) ( A ).