davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide (CA)

XXXX-Debt collection letter with offer to settle received for XXXX XXXX XXXX. Letter states must submit payment by XX/XX/2021. Letter failed to validate the debt by including the following sections. 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


3/19/2021-Representative from Harris & Zide stated I had to pay or the settlement would be void. Asked for an updated letter by fax, however they did not send it. 

After further review I believe the debt has exceeded the 4 year statute of limitations in the state of California. This debt collector was attempting to gain contact information for my wife who was not married to me at the time that this debt was obtained. I believe they are violating the FAIR DEBT COLLECTION PRACTICES ACT.
Consumer complaint received 2021-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (GA)

I did not authorize these accounts to be open. These accounts are fraudulent. 
On my credit report. XXXX, Experian, XXXX  XXXX on XX/XX/XXXX amount : {$450.00} XXXX XXXX on XX/XX/XXXX amount : {$700.00} XXXX XXXX XXXX XXXX on XX/XX/XXXX amount : {$1300.00}
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (NV)

I had XXXX leases with GM FInancial. A XXXX XXXX XXXX and a XXXX XXXX XXXX. I returned the vehicles at the end of the lease term. I received a repair estimate for the XXXX and disputed the amount asking for additional information which the company refused to provide. The company unilaterally refused to acknowledge my dispute or provide the information requested, has reported the disputed debt to the credit agencies which has lowered my credit rating by almost XXXX points. I paid the lease return fee immediately, but am still disputing the damage estimate. The XXXX was returned to the dealer in early XX/XX/XXXX. 

The XXXX XXXX was returned to the dealership at the end of lease term, on or about XX/XX/XXXX. I never received an end of lease bill or damage estimate from GM Financial, The car was returned in good condition with only XXXX miles on it. Even though I had never received a bill or end of lease statement, GM Financial reported my account delinquent. I contacted GM Financial in XXXX when I finally found out about the delinquent mark on my credit report, disputed the damage amount but paid the end of lease return charge of {$490.00}. I still have not received anything from GM Financial what the damage charges were for, nor have they provided me of my request for both the XXXX and XXXX for a paid receipt showing the repairs had been made, or the information regarding what the car was sold for. If the company did not make the repairs or were made for less money than I was charged, I was overbilled for the purported damages. 

How can a company send me a bill and not have to prove that the repairs were made so I know that they are not billing me more than the repair cost, and that the repairs are made. How can a company report my account to a collection agency and ruin my credit unilaterally when I have disputed the charge?
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX sent {$1400.00} via XXXX payment system for puppy purchase. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$1200.00} via XXXX payment system for a crate for the puppy. 

XX/XX/XXXX sent {$750.00} via XXXX payment system for shots for puppies. 
Each time Chase Bank would call my phone to confirm the transaction and details but just a menu of options is all I got. 
I thought I was purchasing puppies through a company in ND called XXXX XXXX and they were using a shipping company called XXXX XXXX XXXX XXXX XXXX. Both companies have extensive information on their websites. Both these websites should be closed down. 
I have the following number for XXXX XXXX XXXX. 
Phone number XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The phone number for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (WV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

On XX/XX/2017, ENHANCED RECOVERY COMPANY , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my credit report on and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately ( Name and account numbers ), delete accounts immediately because of violation of XXXX5 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-02
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. (NJ)

My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months Experian, XXXX and XXXX never updated my credit score on a timely manner
Consumer complaint received 2021-03-22
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: JPMORGAN CHASE & CO. (MO)

Back on XX/XX/2020 I saw 2 duplicate charges of {$210.00} on my credit card. I did not recognize these charges so I called the fraud department. They closed my credit card account and issued me a new one. Meanwhile I realized what these charges were and called the merchant ( XXXX XXXX ) to give them a new credit card number and then called the fraud department of my credit card to let them know I recognized them ( although I only meant to purchase 1 item ). They sent my duplicate charges to the dispute department where I have been fighting these charges for 4 months. I did not receive these two items since I paid with them with another credit card. I have jumped through hoops trying to get this resolved with no progress whatsoever. I am so totally frustrated. At one point I was on a call with them for over two hours only to be disconnected.
Consumer complaint received 2019-04-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The credit reporting agency refused to provide me legit paperwork on signed documents bearing my signature that I owe this account. This account is also more then 10 years old and should not be on my account. The collection account is XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

I have a 2015 auto loan from Wells Fargo. The loan was from Wells Fargo Dealer Services, but two years ago Wells Fargo did away with " dealer services '' and now I deal with Wells Fargo. TWO YEARS AGO they remade their website, and I have been unable to log in to my account. I can't make payments, see problems, or get any info about my car loan-I have to CALL their 800 number and it takes forever. I have filed several complaints, been on hold for HOURS at a time with their " support '' teams - all to no effect. Finally in XXXX of this year I was told that Wells Fargo accidently created two files on me, one with erroneous information, and that is the reason I can not have access to my account. They offered no fix. Just another " complaint with the president 's office '' that never gets resolved. My car has one year left on on this loan and I still can't have access to my account online. I can not go into a Wells Fargo branch and get service on my loan because I was told that I was a Dealer Services customer and the branches do not do any servicing on those loans. I am stuck out here in limbo, and have been charged fees because there was a problem with a payment, but I was unaware - and those late fees carried over for months until just recently they told me on the phone what was going on. I am so sick of these people, they are so inept, so incompetent! Their mistake affects my credit score, because I'm being reported as late on my loan when I wasn't aware that I was - and when I do make payments regularly I don't get credited for those because they report my information inaccurately. The first two years of my loan, they had my social security number wrong, and it took hours and hours on the phone to get them to correct it. I will never do business with Wells Fargo again, and their incompetence leads to negative reporting on my credit history. I would like them to make the corrections and be held accountable for their constant errors and inability to correct them.
Consumer complaint received 2022-06-02
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: JPMORGAN CHASE & CO. (PA)

This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Existing USAA existing case number - XXXX Last conversation with USAA Office of CEO representative XXXX XXXX XXXX XXXX XXXX XX/XX/2022 On XX/XX/2022 I made a payment on my USAA XXXX XXXX Credit Card using the USAA app for my family 's weekly food budget of {$500.00}. I was travelling for work and this would give my family money to buy food while I was away. Over all the years I have had a USAA credit card, the payment would post the instant I made the payment. I have maintained the exact same external account for payments and I have never had a payment hold. In this case, AFTER I submitted payment I noticed it did not post even though my confirmation stated that the payment would deliver on XX/XX/2022. I called USAA to find out why, in this case, the payment did not post. I was told there can be holds placed on payments and they could not be removed for any exceptions. I do understand the need for a company to have a policy and I also understand this policy may have been stated in one of the many communications that are written by lawyers and sent to customers. This does not change that fact that I was told my money would be held for 8 days with no reason given for why it was determined to hold my payment this time. I am a working man with a family, managing daily expenses with a loss of access to my own money makes life extremely difficult and stressful. When I called to initiate a conversation I had to go through multiple calls to get in touch with someone who would talk to me. Once I did speak with someone I got a feeling that is exactly opposite of how USAA advertises itself. No one cared that the money being held was the money we budget for food. I do not think my XXXX & XXXX XXXX XXXX children are as concerned with large corporate policy over their food intake. My main complaints will be stated below... 

1. Communication about the hold prior to submitting my payment in a manner that would be reasonable for a consumer to recognize and understand on a cell phone app would prevent these issues in the future 2. No exact reason given for why this decision was made in this case. Even though it has never happened to me in the past 3. USAA speaks very highly of itself as a consumer centric company and up to this point I have found that to be true. In this case, it only takes one bad decision to ruin a relationship. No one was willing to take responsibility or even try to provide a resolution. I kept hearing " we can't do anything ''. When dealing with peoples personal finances that is not a phrase that should be used.

I only wanted some help form a company that I have been loyal to for a long time. Although I am sure to be considered a small time customer, from my point of view I go out of my way to give USAA all my insurance business and I bank there also. I just wanted to hear that someone cared and we could find a solution.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (TX)

We have been trying to get a credit report from LexisNexis, we have requested 4 different times. Our house insurance XXXX  XXXX XXXX uses LexisNexis and they keep sending back they have no information on my husband but have not sent anything on me. The letter we received from XXXX XXXXXXXX XXXX reads that a list of factors ( derived from your credit history ) that had the most impact in reducing our score. The 2nd item listed is # of AUTO FINANCE ACCOUNTS ESTABLISHED REDUCING. We requested our credit reports from all three Credit Bureau and they only show one auto loan and that was paid off inXX/XX/2014. We would like for them to send the report that they sent XXXX  XXXX XXXX so we can see what other auto loans they are seeing. This report has cost us more in house insurance. 
Mailed off a request on XXXX XX/XX/XXXXXX/XX/2021 Sent a certified Letter on XXXX XXXX XX/XX/ Sent E-mail on XXXX XXXXXX/XX/XXXXXX/XX/2021Sending a request by their system XXXX XXXX XXXX XX/XX/
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing public record which displays a bankruptcy. I disputed the bankruptcy with XXXX and received a response that the bankruptcy stays as reported. XXXX stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.
Consumer complaint received 2018-02-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (OH)

This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Consumer complaint received 2016-10-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I attended XXXX College in XXXX, Florida for a data entry class costing approximately $ XXXX in XXXX or XXXX. I have paid on my student loan and deferred payments over the years. Now, it 's up to almost $ XXXX in debt with collection calls coming in 7 - 10 times a day asking for monthly payments of {$1300.00}. Looking back I had no idea what I was doing, I was XXXX years old with no guidance through the school that explained the loan.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

My credit card bill was paid on time but paid twice in the amount of {$1100.00} x 2. My bank reversed the duplicate payment, because the credit card company refused to refund the overpayment. Now, the credit card company has issued a {$35.00} charge as a Returned Payment Fee. I did not expect to have to fight to get my money back, and I certainly didnt expect to be charged for it. My bank is also looking into the matter, but there has been no resolution to date.