davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I had planned to go on a trip to the XXXX departing on XX/XX/XXXX with a UK-based travel company named XXXX XXXX, which I had use for other trips in the past. 

I paid for the trip in installments from my checking account for the following amounts on four different dates : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Due to the COVID-19 pandemic, the trip to the XXXX for XX/XX/XXXX was cancelled. XXXX XXXX did offer to move the trip to an XX/XX/XXXX departure or switch to a different trip entirely, but made it clear that the money paid was non-refundable via emails sent to me on XX/XX/XXXX and XXXX of XXXX ( Attachment 01.pdf and Attachment 02.pdf ). 

On XX/XX/XXXX, I received an email informing me that XXXX XXXX is bankrupt and is no longer trading ( Attachment 03.pdf ). I was referred to a Frequently Asked Questions page on the XXXX XXXX website that would guide customers on how they can get their money back for their now canceled trip ( Attachment 04.pdf ). 

The website referenced a flowchart created by XXXX XXXX XXXX ( Page 3 of Attachment 05.pdf ) to show customers which option to pursue for requesting a refund. At the bottom of this flowchart is a message for XXXX and XXXX  customers, like myself, and the message states, Customers based outside of the XXXX and XXXX should pursue a claim via their bank or card provider. 

On XX/XX/XXXX, I submitted a claim to Chase Bank for the aforementioned transactions and I received a notification that a {$4100.00} temporary credit would be applied to my account while they did their research ( Attachment 06.pdf ). 

On XX/XX/XXXX, I received a letter from Chase Bank regarding the claim and I was informed that the credit would be removed on XX/XX/XXXX ( Attachment 07.pdf ). 

I reached back out to XXXX XXXX and to XXXX, their insolvency company, on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX ( Attachment 08.pdf ) that included a copy of their Terms and Conditions ( Attachment 09.pdf ) and a response from XXXX on XX/XX/XXXX ( Attachment 10.pdf ). Both XXXX XXXX and XXXX advised that I file a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Wayfair XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account as of XX/XX/XXXX Company named above claims I have a unpaid balance charge off. Allegedly claiming that I owe {$900.00}. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$900.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 
7. Wayfair must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. 

8. FURTHERMORE, XXXX   has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver 's licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, Wafair, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AR)

I receive a letter from Chase Bank stating that they had denied me for a credit card due to adverse action. I would like to state that this is a violation because adverse action states that I can only be denied for employment or insurance. I can not be denied my right to credit pursuant to 15 USC 1691.
Consumer complaint received 2023-06-28
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. (GA)

XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.
Consumer complaint received 2020-12-29
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, TOYOTA MOTOR CREDIT CO add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MO)

XX/XX/ Traveled on XXXX XXXX ( 4 flights ) Flight crew pushed passengers to sign up for aviatormastercard ( Barclays Bank ) Promoted no fee for the first year and XXXX free bonus frequent flyer miles We signed up under XXXX XXXX and XXXX XXXX They ran credit and issued the cards We called to activate and were told we had to pay {$99.00} and the info regarding the 1st year at no charge was in accurate. We explained that XXXX XXXX promoted this on 4 different flights. It was part of their inflight announcements. We also have a copy of the brochure outlining the same information. They asked for the promocode which we gave them from the brochure. ( promo code XXXX ) The agent on the phone said they would open a case and we would hear from someone with i 24 hours. It has been 2 weeks and nobody has responded. 
As of our last communication we were told we owe {$99.00} and the account is closed. 

This is total bait and switch and running credit followed by cancelling a credit card effects our credit score. This is un acceptable. We expect the terms as promised. 
If XXXX XXXX and Barclays Bank whishes to sell credit cards they should be held to legal standards in advertising and promotions.
Consumer complaint received 2023-02-04
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)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX XXXX : {$2400.00} ; XXXX/DEPT OF ED XXXX XXXX : {$4000.00} ; XXXX/DEPT OF ED XXXX XXXX : {$9000.00}
Consumer complaint received 2023-02-04
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)

This is my XXXX XXXX  to tell you that I am a XXXX XXXX XXXX theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : {$2900.00} ; XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

It appears Experian has employed a stall tactic to fixing their wrong doings. My previous CFPB complaint number # XXXX has detailed how Experian has taken longer than 30 days to resolve my dispute and the items needs to be removed as the law states. Experian responded that they couldn't find my consumer file. My latest Experian report number is XXXX. Seeing as it has now been well over 30 days to complete my dispute. Immediately remove these inaccurate and misleading Tradelines from my consumer credit file. 
Please see attached document for additional details
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 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 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 2023-10-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Byrider Franchising, LLC (MD)

In XXXX, XXXX I came into contract with CNAC through XXXX. A XXXX XXXX XXXX XXXX. Upon the contract agreement I was advised by XXXX, my Salesman that the vehicle would be under dealers warranty until the duration of the contract. 3 weeks after I brought the vehicle home, it was back in the shop, which was a recurring theme for the 25 months that I've had this vehicle in my possession for at least 20 times in the past 25 months ; including XX/XX/XXXX where the fuel pump was supposedly fixed. Fast forward to XXXX, the vehicle broke down for good. I received a call from XXXX, the shop XXXX stating that I need a multitude of work done, including the fuel pump, radiator, brake lines, brakes, rotors, coolant lines, thermostat, amongst other things, totally over {$1500.00}. I questioned why the price was so high when the vehicle is still under warranty, XXXX replied that my warranty is over because it's over XXXX miles. I told him that I was advised by XXXX about the duration of the vehicle 's warranty until the end of the contract he said that it wasn't true and to pay the money. When I returned to XXXX to retrieve my items from the vehicle, it was found that the shop also had drained that battery, in which the CNAC manager stated that she would " fix it for free, if I would make payment arrangements with them. '' I declined, because I felt that I had been taken advantage of during the purchase of this lemon. In XX/XX/XXXX, I received a letter from Attorney 's, XXXX XXXX XXXX 's office in reference to the balance of CNAC. In which I responded with a letter, asking for the verification of the debt, in which they responded with parts of the origingal contract and a ledger. Then in XXXX of XXXX, CNAC puts the balance on my credit report and it shows open as a new auto loan. I want to know how is it that a company can sell your debt to an attorney/ creditor, then put the balance on a credit report as a new loan?. So, it appears that they are attempting to get me to pay both parties. Nonetheless, I have no way of paying either of them. I have been without a vehicle and a job since XXXX of XXXX, had my identity stolen, trying to apply for work. I have been turned down for job after job, and even had an job offered, set to start on XXXX, also to no avail.. This has been a very stressful and depressing year for me and I can not pay anyone anything at this point in my life. CNAC has had their lemon vehicle back since XXXX. I would just like them to be removed from my credit report.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc. (OR)

I had a {$500.00} doctor bill from XX/XX/XXXX and in XX/XX/XXXX Profesional credit service in XXXX Oregon garnished my bank account {$1200.00}. I have called the collection agency three times since asking for a breakdown of what the {$1200.00} was for. I was told to go to their website and look it up there. The website doesn't show that information. When I called back the man at PCS told me since my balance owed is now XXXX  he can't send me any information of what I paid.
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Collection Bureau, Inc. (NJ)

On XX/XX/2023, I received a letter from Revenue Collection Bureau , Inc . In the letter they claim that I owe {$1100.00} to the XXXX of XXXX for non-payment of a water utility service. 

In the previous question asking if I have attempted to resolve the problem, I answer no because I just sent a letter today ( XX/XX/2023 ) informing the Revenue Collection Bureau agency that I am not the person who is responsible for the debt. The letter may resolve the problem, but the problem has not be resolved as of yet.

I have informed Revenue Collection Bureau , Inc. that I never had a account with the utility company in XXXX, that I never lived in the dwelling in question, that I did not live in XXXX during the billing period, and that I never lived or was associated with anyone living in the dwelling in question. 

I have no idea how this collection agency believes that I owe this money. What evidence could they possible have to claim that I owe this debt? The notice to collect money just appeared in my mailbox. I believe it is a scam. If it is not a scam, I find it highly concerning that anyone can be preyed upon to pay someone else 's debt. There apparently is no responsible and ethical effort to find the actual debtor. I believe the only link is that the actual debtor and I have the same name. This can not be an acceptable reason or evidence to attempt to collect money from someone.

I have attached the letter I sent to Revenue Collection Bureau , Inc. on XX/XX/2023 and the request for payment documents sent to me from Revenue Collection Bureau , Inc .
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ELITE FINANCIAL SERVICES INC (SC)

Elite Financial in XXXX, SC filed a judgement against me for an unpaid balance on car loan. I paid the judgement off on XX/XX/22 in the amount of {$1700.00}. However, they never filed a satisfaction of judgement with the county clerk and it is still showing on my credit file as a judgement. I am in the process of re-financing my home and my current lender needs something from Elite Financial that states it is paid. They are refusing to provide me that documentation and saying it is noe their responsibility to have it removed. This is impacting my closing date and affecting me financially. I have a copy of the check that was sent to them as well as a disbursement document from my previous lender if you need that. I would appreciate you helping me get this matter resolved as soon as possible. Thank you and let me know if you need further information. 

Thank you.
Consumer complaint received 2023-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remex, Inc. (MO)

I am writing to dispute my debt of {$1300.00} from XXXX XXXX XXXX, related to a purchase made on XX/XX/XXXX. The dispute centers around the communication and handling of the debt collection process by XXXX XXXX XXXX. Here is a detailed account of the events : Purchase Date and Initial Contact : On XX/XX/XXXX, I made a purchase from XXXX XXXX XXXX 
On XX/XX/XXXX, at XXXX XXXX., I received an email from CC Loss Prevention stating, " Please be advised that if this balance of {$1300.00} is not resolved within 30 days, the account will be sent to 3rd party collections. '' Contact with XXXX XXXX XXXX : On XX/XX/XXXX, I reached out to XXXX XXXX XXXX and spoke with a representative. 
The representative informed me that if I returned the requested items, I should reply to their email with a photo of the new shipping receipt, the tracking number, and the date of the return. 
They assured me that once the items were confirmed as returned, they would cancel the debt settlement request. 
It was also mentioned that if the balance of {$1300.00} was not resolved within 60 days from the original email, the account would be sent to 3rd party collections. 
Return of Items : On XX/XX/XXXX, I returned the two shoes ( XXXX ) to XXXX XXXX XXXX as negotiated. 
I provided a photo of the drop-off receipt as requested. 
I sent an update on XX/XX/XXXX, to inform XXXX XXXX XXXX  that both shoes had been delivered. 

Lack of Communication : XXXX XXXX XXXX has not provided any updates or communicated with me regarding the resolution of this case since XX/XX/XXXX. 

Incorrect XXXX Invoice : I received a XXXX invoice for {$800.00} on XX/XX/XXXX. However, this invoice was sent to a different XXXX account, not the one used for the purchase. 
The invoice stated that it did not include the XXXX pairs of XXXX XXXX XXXX XXXX XXXX Item No : XXXX, for {$240.00} each, which I had expressed my intention to return. 

Unresolved Balance Notification : On XX/XX/XXXX, I received an email from the XXXX XXXX XXXX XXXX, stating that I still have an outstanding balance, even though XXXX XXXX XXXX never responded to my messages back in XXXX. 
I am also interested in accessing the notes under my XXXX reward account related to my interactions with XXXX XXXX XXXX, including communications with the supervisor who claimed to assist in resolving this issue but did not respond. 

I am willing to provide emails, call logs, and any additional information upon request to support this dispute. Out of the {$1300.00} debt, I believe I owe only {$800.00} ( including tax ) for the returned shoes that were approved and delivered on XX/XX/XXXX, with a signature. 

Please review this information and assist in resolving this dispute with XXXX XXXX XXXX Thank you for your attention to this matter.