davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

My credit bureau is showing inaccurate information to the bankruptcy filed in error the bankruptcy court said they never supplied this information to the credit bureau so therefore it was obtained by another source and reported incorrectly. I 'm requesting that the bankruptcy that is listed on my report be removed. This is effecting me from obtaining a home and causing financial distress.
Consumer complaint received 2022-05-26
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account, XXXX Account 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 an account without my written instructions
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

I recently checked my credit report I came a cross a collection agency named Credit system.
I 've reached out to Credit system.
Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

Several years ago i had signed up for credit monitoring via Experian, and they were charging my XXXXXXXX XXXX ~ $ XXXX. I started trying to cancel the service about 6 mos. ago. After several attempts leaving messages on their phone system, i tried Experian.com and canceled my membership, receiving an EMail on XXXX that my account was cancelled. However, I continued to receive monthly charges on my credit card for XXXX and XXXX. When i called their automated phone system and entered my information I was informed that i did not have an account. I contacted their online Chat Assistant, who indicated that there was not a record of my having been billed for or enrolled in paid credit monitoring services at any time. She provided an EMail address for customer billing ; I emailed them on XX/XX/XXXX explaining the situation, provided all documentation and requesting that they stop the charges, but received no response. After receiving another charge, I Emailed them again XX/XX/XXXX. They responded that they wanted to call me and asked for a time window. They called on XXXX, but i was not able to answer ; they left a voicemail with no callback #, asking me to give them another time window. I emailed and gave them several time windows but also told them to just stop charging me. This cycle repeated again where they called once, left no callback #, then did not call again. Meanwhile they have continued to charge my credit card each month. I filed a dispute w/XXXX in XXXX ; they told me that as of XX/XX/XXXX Experian has not responded to any of their requests for information about the charges
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CO)

The amortization forms used by CarMax are calculating higher payments than they should. 

The loan amount is {$22000.00}, interest rate of 3.70 % and a loan term of 66 months. 

Every online tool or calculator ( I'm using MS Excel Loan Amortization tool ) shows a payment of {$370.00} with a finance charge of {$2400.00}. 

The paperwork I received from XXXX shows a payment of {$380.00} and a finance charge of {$2400.00}. 

I called to alert them of the issue and they said their calculations are correct because they charge XXXX finance charge per day. But that's not how loan payments work. I even showed the rep how to calculate it using online tools.She tried to reach out to several people within the company but was told the calculation is correct. 

I mentioned that their systems are probably rounding incorrectly somewhere along the line, but they told me it is what is it and there's nothing they can do about it.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (SC)

This case is complex and this is an update. Our data was stolen and used to open a fraudulent bank account to facilitate a fraudulent merchant account causing our data to be placed on the XXXX list for XXXX XXXX identity Theft. XXXX XXXX caused the XXXX. JP Morgan Chase opened the fraudulent bank account using our data. XXXX opened the fraudulent merchant account verified and confirmed identity theft placed the XXXX. XXXX XXXX was later aquired by XXXX. XXXX admitted and disclosed. XXXX XXXX obstructed. JP Morgan Chase obstructed then admitted. XXXX is assiting after aquisition. JP Morgan Chase is obstructing after admittance. There are several new storys breaking weekly which contain XXXX victims of JP Morgan Chase. This case is relevant to those victims. JP Morgan Chase was also part of the XXXX scandel. JP Morgan Chase is closing customer accounts and blaming them for fraud, terrorism, laundering, and human trafficking. We are not a customer of JP Morgan Chase and they are opening fraudulent bank accounts for fraud, terrorism, laundering, and human trafficking then blaming the victim using SARs and the XXXX as a weapon. They choose their victims based on color, gender, political, religion, etc. This action will freeze the person or business and financially destroy them. This document is an update and complaint. The Florida attorney general has been contacted, local police, FTC, and other deparments prior.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

Chase Sapphire Reserve travel insurance is not honoring their travel insurance benefit. We had a trip planned to XXXX and were about to leave on XX/XX/ when my father collapsed at the airport and was rushed to the ER. He was traveling with my wife and I. We missed our flight which was required to reach our cruise on XXXX Due to his medical diagnosis he was unable to travel out of the country ( letter from Dr and discharge papers from hospital provided ). We had to stay and take care of him. 

I submitted a covered claim on XX/XX/ for {$19000.00} ( the total cost of the XXXX cruise for my wife and I ). The claim # is XXXX. I have had to upload the same XXXX travel cancellation document 4 times before they finally accepted it, but now we are once again back to them not understanding that XXXX did not provide any travel credits or refunds even after accepting the document. Apparently since the claim is over {$10000.00} someone at Chase has to approve it, but they can't find the " Travel ID '' number. No one can tell me what that is or why what I have provided does not already include that. 

I have provided birth certificates, marriage licenses, bank statements, proof of cancellation direction from the common carrier, medical discharge statements , Dr XXXX notes, invoices from XXXX, Itinerary, and the ticket contract for XXXX 

Note that this travel was not booked through Chase Travel, but directly through XXXX using my Chase Sapphire Reserve card.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX All Inquiries under the FCRA and FDCPA
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I contacted Wakefield and Associates in XX/XX/XXXX regard a medical bill the put on my credit. I was told that they received the payment and that it would be taken off my account. It was taken off but put back on XX/XX/XXXX. I contacted the company and was told my account was closed and that they couldn't do anything about it reporting to my credit cause they didn't see it being reported. I tried disputing it on my XXXX and XXXX report. I was deleted from my XXXX report but they updated the balance on my XXXX report from {$600.00} to {$700.00} oweing. This debt was paid by my medical insurance and should be off my credit.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (KS)

I pulled my credit report and noticed that this collection agency is listed on my credit report. I first disputed this account with the credit bureau because I do n't recall signing any contract with this company. But when the credit bureau claim to have verified this I called them asking to send me all documents they have used to verify this alleged account in which they have failed to do so I send Kansas counselor a letter certified with return receipt in which they are still reporting on my credit report without proper validation showing competent evidence bearing my signature showing that I have some contractual obligation to pay them. I refuse to receive a itemized bill and suggest that they provide any documents that grants them authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Also since this is a medical account I requested a copy of any HIPAA authorization and they have failed to send this information along with copies of any agreement that bears the signature of the alleged debtor where he or she agreed to pay the creditor.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.
Consumer complaint received 2015-12-21
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. (CT)

Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I do not have a contract with MIDLAND CREDIT MANAGEMENT.please send me a copy of your license to collect a debt in New YorK State. You purchase debts as a debt collection device to make money as a debt collector, in which this alleged debt is already paid in full by MIDLAND CREDIT MANAGEMENT. YOU have 5 days to respond with a statement of account with a zero balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will receive notice and demand for {$12000.00} in damages for Fraud, Denial of right to privacy, Dishonor of commerce, TILA violation, Collusion, Racketeering, Intimidation, FDCPA violations.
Consumer complaint received 2021-12-16
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: Elevate Recoveries, LLC (TX)

I have requested that this company remove this improper use of my account information. I am a XXXX vet and I have tried disputing this information several times. Reporting of this account violates 15 USC 1681g ( 3 ) and the VA missions act 2018. It also violates my rights as a consumer to furnish my information without my consent.
Consumer complaint received 2017-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Under 1693c - ( b ) Notification of changes to consumer A financial institution shall notify a consumer in writing at least twenty-one days prior to the effective date of any change in any term or condition of the consumer 's account required to be disclosed under subsection ( a ) if such change would result in greater cost or liability for such consumer or decreased access to the consumer 's account. <P/>USAA restricted my account access only to shortly close my checking account with no notice and without detailed explanation. I have been unable to make electronic transfers to remove my funds, or even see my balance due to their actions. I 've requested documentation but have n't even so much as received a statement. Therefore, USAA is knowingly in violation of this Consumer Protection Law
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (DC)

he company listed as XXXX XXXX XXXX XXXX XXXX XXXX ), showing a balance of XXXX which is an incorrect balance. It was sold to them by the original creditor and has been updated. to paid {$0.00} balance. I never consented to having my personal information sold a collection. Until recently the account was listed as a open charge off. This also appears on all three credit reports. These are all derogatory entries and they should be removed immediately. The actual balance originally owed was reported incorrectly to XXXX by XXXX XXXX. Per the Fair credit Reporting Act because of this the this item should be completely removed even thought the amount is now been update to a {$0.00} balance. Have it being reported at a higher amount has damaged my credit due to this simple mistake im requesting that it be removed immediately from all 3 credit reporting agency 's I've reached out to all three credit reporting agencys several times with documentation of the actual balances and nothing has been done about this in the legally require time to correct this the company 's own statement of account shows the correct balance amount. This is not " fair credit reporting '' by increasing the amount and should be deleted
Consumer complaint received 2022-05-26
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. (OH)

in accordance with the fair credit reporting act XXXX account reference # XXXX bankruptcy, 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 an account without my written instructions. 

the bankruptcy court did not furnish this information to the credit bureaus
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i had submitted an police investigation to the bureaus for my credit report because of identity theft on my credit report and has not heard anything as of yet.i have attached documents from the police department doing my investigating
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

in accordance with the fair credit reporting act XXXX account reference # XXXX bankruptcy, 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 an account without my written instructions. 

the bankruptcy court did not furnish this information to the credit bureaus
Consumer complaint received 2019-07-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC (FL)

I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX  and they called again at XXXX.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2021-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation (TN)

I'm Filling this complaint because I sent US Auto Credit a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if US Auto Credit fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
Consumer complaint received 2021-12-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I spoke directly to Portfolio over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( XXXX benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX