davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WA)

Hello, I have had an auto loan with Chase Auto Finance for 1 year. I have had repeated problems when trying to pay my bill, and can not get them to send title to the vehicle registration state that I have moved to.

When I

call to pay my bill, I am told that they only take payments via debit card via a specific line. When I call this line, I have been put on hold for as long as 2 hours, and am frequently late in making payments because of this. Mmost recent call, I was on hold for an hour, then transferred to another hold line where I waited another 45 minutes before giving up. My bill is due on the XXXX, and I have been trying to pay it since the XXXX. 

In addition, I moved states in XXXX and have now requested a copy of the title to be sent to Washington state DMV 4 times and have not received the requested documents. This has caused a lot of time wasted and penalties for me because my registration is now expired.

I need immediate attention. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-12
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. (MN)

I have accounts under my credit report that are in FCRA Violation. I have contacted these credit companys numerous times to fix this they they are continuing to violate my rights. 

XXXX XXXX is continuing to be reported verified with no proof from neither company. They began reporting on my account on XX/XX/2020 for the balance of {$3900.00} XXXX XXXX XXXX is continuing to be reported verified with no proof of verification from neither company. They began reporting on XX/XX/2020. This company is also on numerous violations and these investigations that the Credit bureau claim that they are doing, is unacceptable and could be facing a lawsuit. 



These need to be removed from my report and is negatively impacting my financial situation.
Consumer complaint received 2020-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.
Consumer complaint received 2020-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX did not cancel my card when I had fraudulent charges along with a dispute that was never settled and then reported my missed payment to credit bureaus and destroyed my credit score.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (NC)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  # XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MI)

When Amerihome purchased my loan in XXXX, my monthly payments, including escrow, were just over {$1500.00}. 

Beginning XX/XX/XXXX, I informed Amerihome Mortgage XXXX " Amerihome '' ) that my local tax department in XXXX XXXX, Michigan had not applied a principal residence exemption and my tax bill was about {$2000.00} too high. Amerihome paid the taxes anyway, and shortly after I received a {$2000.00} check ( approx. ) from XXXX XXXX for the overage. 

Meanwhile, Amerihome began to recalculate my monthly payments based on a perceived shortfall in my escrow account -- a shortfall created by their overpayment. 

After several calls to Amerihome, I returned the {$2000.00} overage, which Amerihome should have applied to my escrow account. Instead, Amerihome informed me that my monthly payments would rise to just over {$2000.00}. I called again to sort out the problem, and Amerihome did another escrow evaluation. By the time that was complete, I had paid the {$2000.00} a month XXXX approx. ) for XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, my monthly payments were adjusted to {$1700.00} XXXX approx. ), but that is still too much. Since then, I've contacted Amerihome several times and have not received any substantive response. Instead, I hear repeatedly that " a task has been created '' and " this matter is escalated in our system, '' but there is never any meaningful response. 

Here is the message I sent to Amerihome on XX/XX/XXXX : - '' I've been working to resolve your escrow withholding for months and months now. I'd -like to begin documenting this effort with email because multiple phone calls have not -achieved any results. 
- -You are currently withholding {$610.00} per month for taxes and insurance, including PMI. 
- -That totals {$7300.00} annually. 
- -My annual taxes were {$3800.00} -My monthly PMI is {$98.00}, or {$1100.00} -My insurance is {$830.00} annually -That totals {$5800.00} annually - -By my calculations ( {$7300.00} - {$5800.00} XXXX you are collecting {$1400.00}, or {$120.00} too -much. On top of that, I paid {$2000.00} in XXXX and XX/XX/XXXX, putting an -additional {$460.00} into escrow that was also an overage. 
- -I would think that you are obligated to refund the {$460.00} for the high payments in XXXX and XX/XX/XXXX, reduce my monthly by {$120.00} to {$1600.00}, and -refund the excess {$120.00} paid in XXXX and XX/XX/XXXX. 
- -That totals a refund to me of ( XXXX + XXXX ) {$700.00} and future monthly payments -of {$1600.00}. 
- -If this is incorrect, please provide the correct calculations to me in writing within XXXX -days of this message. '' ( I offset the quoted message with " - " hash marks. ) I expect a refund of the overages paid for XXXX and XX/XX/XXXX, an adjustment of my monthly payments downward by {$120.00}, and a refund of the overpayments for XXXX up and until the monthly payments are corrected. 

I am only complaining here because several months of efforts to resolve this with Amerihome have failed.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

I have an account with ChimeXXXX XXXX and my account was suspended on XX/XX/2021 due to a deposit that was trying to post in which Chime declined it and sent it back to the lender. They requested documentation and explanation of this deposit in which i provided even though the funds never deposited into my account. I currently have {$8500.00} in my savings account and {$360.00} dollars round about in my spending account and they are refusing to disburse me those funds that i am entitled to which is my money so they are basically doing theft. The agreement that they have is unlawful and basically robbing individuals of the rights to there monies. I requested them to close the account and asked for a check for the balances that had and was told no. I no longer want to do business with this company anymore however i would like my monies that i had remaining in my account disbursed to me as i am entitled to those funds.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

on XX/XX/XXXX, I received an email from Comenity Capital Bank, that states that on XX/XX/XXXX ; XXXX my payment of {$2400.00} was returned due to insufficient funds, as the payment was returned my account was charged a fee of {$29.00}. 
I made the payment of {$2400.00} on XX/XX/XXXX to close this account, which I had called to verify the payoff amount before the due date of the loan. 
I did contact my Bank, XXXX XXXX XXXX XXXX who states that Comenity Bank did attempt to deposit the {$2400.00}, again on XX/XX/XXXX and was returned to them. That amount was presented to and paid on XX/XX/XXXX. My bank stated that there was no mistake on there part, and that Comenity Bank attempted to deposit the same payment amount on XX/XX/XXXX. making them at fault. 
I sent an email stating what I had discovered and that I did not owe Comenity Bank a NSF fee of {$29.00}. 
As of today I have a balance of {$60.00}. in late fees for a check that they tried to deposit twice!
Consumer complaint received 2022-03-22
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-12-31
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. (NC)

XXXX5 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  # XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: DISCOVER BANK (GA)

On XX/XX/2020 I purchased a {$500.00} XXXX XXXX card from XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX using my Discover credit card. Upon returning home, I tried to redeem the card and found out that the card had no balance and with closer inspection I could see that the card has been tampered with. I reached out to the XXXX store who did nothing, reached out to Discover who investigated it and XXXX provided receipts saying that the card was purchased and activated and closed the dispute. This occurred around XX/XX/2020 ). Because of the time that have lapsed ( and my ignorance of not knowing who else to reach out to I can not access the rejection of my dispute. ) I reached out to XXXX who's response is attached. After my final email with XXXX I heard nothing else.
Consumer complaint received 2022-12-31
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.
Consumer complaint received 2020-03-13
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. (TX)

I had a student loan with XXXX XXXX for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
Experian, XXXX  and XXXX have been reported to with these invalid dates.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-20
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. (IL)

This is my NUMEROUS request 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 XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2020-03-25
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I signed up for CitiBank AAdvantage Platinum credit cards that offered XXXX XXXX promotional miles based on a certain amount of spend. CitiBank checked my credit and approved me for credit cards. I completed the spending requirements and the miles were deposited into my AAdvantage account. Before I could use these miles, XXXX XXXX has since closed my AAdvantage account, where they claimed I violated their rules. Citi Bank approved me for these credit cards and owes me the value of the promotional miles promised since XXXX XXXX, confiscated my miles. I also lost any perks attached the the card, as XXXX XXXX stripped them along with my frequent flyer account. As such, neither of the companies is living up to their obligations.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (MT)

I got a telephone call and the person didn't speak English very well. He said he was with the Chase Credit card company and was calling to tell me that he was lowering my interest rates. 

I don't have a chase credit card and right away suspected it to be a scam. 

The man asked me to verify the expiration date of mt credit card and then the number. I said Sure I can, but first can you please verify the name you have on file for me that is issued on my credit card. The called hung up. 

the number he called from is XXXX Chase doesn't have any branches in Montana and the phone number is Montana area code. I thought I better report it to save someone from giving that info.
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (VA)

XXXX is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for Experian : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XX/XX/19-XX/XX/19 ) and XXXX  : ( XX/XX/19-XX/XX/XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. 

These negative remarks are damaging my credit. Please promptly contact Experian,   XXXX and XXXX  and any other credit reporting agency to which you have reported this information and remove from my file.