davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (WI)

Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX, XX/XX/XXXX. Fraudulent amount XXXX  on card from zero liability XXXX  theft. No credit issued or credit replacement card issued to the new address rather than simply mailing the card Chase has not sent the card via XXXX  since the United States Mail is not running for some reason unknown.Specific issues:1. Chase Marriott's Bon Voyage has failed to return my credit card after closing a card due to fraud. 2. Fraud no replacement card.3. Fraudulent transactions for zero liability protection.4. Refusal to return card & allow usage of my card.5. Refusal to provide the bank statement for a period of 3 1/2 years & notifying and contacting Marriott of this problem refusal to allow contact to the credit card & routed for 3 1/2 years to security department failing to explain each time why.6. My calls are confirmed receipt & by fraud the account is taken over by the so-called "security department."  7. My call after phone the company is then hacked & stops working all remaining calls are rejected. 8.  I didn't received advertised interest rate.9.Trouble using your card (making purchases, credit limit)10. Credit card will not allow the bank statements & I don't know the payment amount each mother because of this I am assess late fees not knowing the payment amount &Fees or interest.11. A Fraud charge was not authorized from a company named XXXX  & reported to  Chase Bank Card & Chase has refused to  the confirmed reporting or returning my replacement card.12. Problem with a purchases shown on your statement(billing dispute, fraud, transaction issue)13. Problem when making payments14. Problems with the terms & condition & rewards program & convenience checks & privacy issues someone has taken over the card from the best of my knowledge.15. Problem with credit report or credit score for the above reasons.16. Can't use card to make purchases. THIS COMPANY REFUSED TO REPLACE MY CARD AFTER REPORTING THE FRAUD ABOVE & REFUSES TO SEND IT EXPEDITED IMMEDIATELY AS IT HAS BEEN 4 WEEKS NOW SINCE XX/XX/XXXX &/OR BEFORE.
Consumer complaint received 2021-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: WELLS FARGO & COMPANY (TX)

The only non-fraud document that Wells Fargo has is a copy of the purchase contract of a different company. Wells Fargo Never had any " REQUIRED FINANCING AGREEMENT '' that is the law as required by the " FINANCE Code ". Anyone checking anything to do with : ALL of MY COMPLAINTS '' will get a fraudulently made up account number, made up by Wells Fargo 's Corporate 's employees. I have an email from one of the employees, that claims he has other original documents. The taking of property and selling it " without any FINANCING AGREEMENT '' and fraudulently making up accounts and adding " Legal Fees to come up with charges, and never paying for any damages, the government regulators are not representing me, they would be inforcing the " LAW ''
Consumer complaint received 2021-09-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (KY)

Chrysler capital has opened and closed my account many times just to keep this debt on my credit, they also are showing that this debt was set on 84 months and that loan was a 72 month loan. They are also stating that the last payment was in XXXX and the last payment was in XXXX. This account has been closed 7 years and I have disputed this account many of times. They charged this debt off in XXXX and it should have been removed from my account this year ( XXXX ) but it hasnt been able too because Chrysler capital has made failed statements on my credit about the account for it to remain on my credit report.
Consumer complaint received 2021-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

In XXXX of XXXX  my property at XXXX XXXX XXXX, XXXX, MA was refinanced with Citizens Bank for a traditional mortgage in the amount of {$86000.00}. At the time I had two loans with Citizens, a home equity loan and a home equity line of credit. Both were paid off at the closing on XXXX XXXX, 2012. In the process of applying for a new home equity line of credit with a local bank a title search was done. The title search shows that two loans ( one home equity loan and one home equity line of credit ) which were paid of in XX/XX/XXXX  were never discharged by Citizens Bank. 

This has created a delay in the process of obtaining a new home equity line of credit and is impacting my family because part of the new home equity loan was meant to be gifted to a family member to use as a down payment on the purchase of a new home. Because of this issue everything is on hold at this time. 

I found out about this problem on Tuesday, XX/XX/XXXX, and I have since reached out to Citizens Bank multiple times. I have spoken with several people. I met with the local branch manager ( Greenfield, XXXX ) who helped as much as she could. My issue has been " escalated '' and I am supposed to hear from someone in the next few days, but I am running out of time. This needs to be resolved quickly. 

I have two reference numbers that might be helpful - a case # XXXX and a Customer Care ID XXXX. I can be reached at XXXX or through email at XXXX.
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC (FL)

Rmp Services LLC Illegally put a fictitious medical debt on my credit bureau as collection when I called the hospital ( XXXX XXXX XXXX  XXXX XXXX ) that they claimed I owed money to the hospital told me I never owed that amount that my insurance covered all and I had a remaining balance of a co-pay of {$50.00} which I paid already and I have the receipt. And I do not have a bill similar or close to the amount Rmp Service put on my credit bureau .RMP Swervice LLC stated on my credit bureau that I had a collection of {$1600.00} when I called them she collected my Social Security number without even asking any other information and hung up the phone after I gave it to her.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (DC)

Bridgecrest claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and XXXX however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XXXX and its only showing open from XXXX and XXXX however XXXX is still reporting this account as closed but my credit has dropped with them as well Bridgecrest either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by XXXX XXXX as well as deductible from the initial settlement amount
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CT)

I have no knowledge of this collection Midland credit management it appeared on my XXXX  and my XXXX  credit report I was victim of identity theft back in XXXX. This must be from the identity theft as I previously stated I have no knowledge of the account it doesnt belong to me.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (NV)

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified accounts indicated below are still being reported in my report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX NAT ) XXXX Balance : {$680.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$650.00} XXXX XXXX Balance : {$680.00}
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX XXXX, a charge of {$76.00} by the vendor XXXX for an item. On XXXX XXXX, I was informed by XXXX that the item could not sold, and so did a refund. The card issuer Capital One has not posted a refund, something that should have been done in a timely manner.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-16
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: ALLY FINANCIAL INC. (TX)

My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in many Louisiana. XXXX
Consumer complaint received 2019-12-12
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)

Experian, XXXX & XXXX My credit has been declining for a few months.XX/XX/2019 I paid off a lot of my debt my score was XXXX since then it has decline especial the past 3 month, I went from a XXXX to XXXX ... I have no recent late payments, last late payment was 7 years ago. I have a good long standing credit. I did have an incorrect inquiry from XXXX which I can not resolve, they ran a credit check and I was not told I could not have a joint signer, other that that no big activity, I have recent usage, but not for my score to go down that extreme. I paid of my student loan, just under 10K and  that seems to also have decreased my score. I am a good credit risk and I look at my score everyday and I have written to all three bureaus and called and questioned it no one can give me a reason as to what is going on. I need it to be a stable number back to a XXXX at least if I do decide to take a loan I wont get the best rate because there is a systematic issue, your help is needed please
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

In accordinace to # # # Relationship and Comparison with 1681i and 1681n 1681e ( b ) is closely related to 1681i as both sections deal with the accuracy of credit reporting. However, 1681e ( b ) is more about the general obligation of consumer reporting agencies to ensure accuracy in their reporting procedures, while 1681i provides specific steps for handling disputes over inaccuracies. On the other hand, 1681n can be seen as a broader enforcement mechanism that applies to violations of any FCRA requirements, including the accuracy standards set forth in 1681e ( b ) and the dispute resolution procedures in 1681i. Essentially, 1681e ( b ) sets the accuracy standard, 1681i provides a process for contesting inaccuracies, and 1681n offers a remedy for willful failure to comply with these and other requirements. 

My FedLoan Servicing was completely forgiven by the government and should reflect a positively on my credit report. Unfortunately, there is inaccurate information about this account which is having a negative impact on my credit report.
Consumer complaint received 2021-09-30
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: EQUIFAX, INC. (CA)

Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the previous written letter, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

DIRECTRECOV ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2017 Balance : {$6800.00}
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : Regarding XXXX, XXXX, and TRANSUNION, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus. 
They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) XXXX billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2021-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX* Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}