davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
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. (CA)

Summary : Chase bank refuses to look into a disputed transaction ( simply indicating the transaction is valid ), even as I submit to them the evidence that they ask for. Evidence indicate that I never received the service. Chase claims that the claim has been timed out and they will not look into it. 

Extended summary : I disputed a transaction, that was made on my Chase credit card. Chase denied my dispute. I called Chase. Chase asked me to send evidence. I sent evidence immediately. Chase then sent me a letter saying that the disputed transaction was valid. I called them for clarification, they indicated that the case had been timed out so the evidence was not even considered. Chase then asks me to send a letter to request them to re-open the case. I do that immediately. Chase once again says they will not look into it since the case was timed out ( i have no idea why would the case be timed out since I sent them evidence indicating that the merchant never provided me with the purchased service immediately and per Chase 's request ). 


Time line : XXXX : on Chase 's portal, i disputed a transaction that was made to my account, by XXXX ( XXXX ). This was a for a service that XXXX ended up not providing, even as I did everything that XXXX asked me to do. I have email communication from XXXX. 

XX/XX/XXXX : Chase sends me this msg : Here 's an update on your dispute ( s ) XX/XX/XXXX : Chase sends me this msg : We consider the disputed charge ( s ) valid XX/XX/XXXX- I called Chase to ask why are the charges valid, given that I never got a product. They said to write and submit a letter to Chase and they will consider looking into it. 
XXXX XX/XX/XXXX : I resubmitted more docs, physically, in their Chase Branch. 
XX/XX/XXXX : I called Chase and confirmation was made to me that they got the documents and they will look into it but that the case is timed out and I will likely not have a result. 
XXXX XXXX, XXXX : Chase sends a note : We're researching the charge ( s ) you disputed recently XXXX XXXX, XXXX : Chase sends a note : We confirmed that the transactions you disputed are valid XXXX i called Chase to ask how did they conclude that the transactions are valid? given that I gave them evidence to the contrary. Chase, once again, asked me to reopen the case by sending a new letter. Chase said that the second time that I sent documents ( XXXX ), things were never investigated because the case had timed out. ( in other words, they received the evidence but decided not to investigate ) XX/XX/XXXX : I sent a new letter, as directed, via Chase 's upload document center. 
XX/XX/XXXX I called chase, they opened the case. But still said its timed out and likely will not look into it. 
XX/XX/XXXX : chase sends a note that they are looking into the case XX/XX/XXXX : chase indicates that they disputed transaction is valid and they will no longer look into it.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I requested a re-investigation with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " TRANS UNION LLC CONSUMER DISPUTE CENTER '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " TRANS UNION LLC CONSUMER DISPUTE CENTER, With no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures
Consumer complaint received 2021-05-31
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: Tower Loan of Mississippi, Inc. (AL)

I already had a loan with this company I had a XXXX XXXX on XX/XX/XXXX and this company pulled my credit on XX/XX/XXXX. I had XXXX on XX/XX/XXXX so who gave them permission to pull my credit. This is an unauthorize inquiry that I did not authorize.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (SC)

On XX/XX/2024 around XXXX a repo company that Bridgecrest used came and took possession of the vehicle. When the company did so, they damaged my property. Fast forward I called bank to see where they sent the vehicle they gave me the information to a company called XXXX I call them and spoke to them and they gave me the number to where it was and I also spoke to them about the damage that occurred when they picked the vehicle up. At the time the vehicle was about 1 hour away from me. I set up an appointment to get my personal property. On XX/XX/2024 I make arrangements to get to the location to where the vehicle was at only to get a message that the vehicle was moved days ago to another location. I called the bank again Bridgecrest and they gave me the number to where the vehicle was at. I called that company called XXXX. They are located in XXXX, FL now at this point the vehicle is now 3 hours away. I have been calling Bridgecrest for them to send over paperwork to that company so I can get my personal property back. At this point this company is purposely moving the vehicle further away so I cant get my items or file a claim against their company. This is not a way for me to be bullied into keeping the vehicle when it needs a lot of work and they are not willing to lower the price of ownership. It is now XX/XX/2024 and Im still going through this.
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (GA)

This is my 3rd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX  XXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-07-19
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)

I am writing to request the deletion and removal of the following accounts and associated information from my consumer report. It is essential that the mentioned accounts and details not be reported on my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that these accounts and information be promptly deleted and removed from my consumer report to rectify this violation of the law. Please take immediate action to remove these items. Thank you.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Continued part 2 ( XXXX ) I received a letter from Synchrony bank letting me know they found missing payment of {$50.00} from XXXX and would post in XXXX. 
The original bill was {$230.00} a {$50.00} dollar inconvenience gift and a temporary credit of {$50.00}. When I looked I saw my bill was {$280.00} and I had not used card. What appears to have happened is the temporary {$50.00} dropped off but they did not apply the lost payment. 
1 ) I was told due to a credit of {$30.00} for late fee?? was posted twice 2 ) Then I was lied to by XXXX that they never received the check even though it is showing posted. She then in the same XXXX breath stated she would send the check ( that she never received ) back to me. 
A ) Is it applied or not? Why or Why not they have the money order they sent it back the first time. I sent it with attached documentation of where it should go. 
B ) After XXXX tells me she is going to send the money order back she then ask for a fax of stub?? this makes absolutely no sense.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (KY)

In 2019 I was the victim of identity theft. The company was XXXX. I contacted them. My attorney contacted them and the collections were removed. I never used XXXX ever. Someone ordered 4 phones in my name. The FCC gave me free credit monitoring due to this and all was resolved. Now the same company XXXX has reported it through Jefferson Capital Systems for the same account. It keeps appearing.
Consumer complaint received 2024-02-23
Product: Credit 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: GOLDMAN SACHS BANK USA (VA)

On XX/XX/2023, there were multiple fraudulent charges on my card from XXXX ( {$1100.00}, {$100.00}, {$25.00}, {$50.00} ). I immediately disputed the transactions with Apple Card. They walked me through security functions to help prevent further fraudulent charges and told me they would reach out to the manufacturer-sending me any information/ packet that they would have about the charge. Then on XX/XX/2023, 2 more additional fraudulent charges were made ( {$160.00} and {$50.00} ) and again, I immediately disputed these charges. I requested for them to block XXXX and was told they are not able to block merchants. Instead, I requested to put an entire hold on the card to help prevent any further fraudulent charges. On XX/XX/2023 I received an email confirming they resolved these disputes as fraudulent and removed all the charges. I then reached out to have my card reactivated because of this email. I had to reach out again on XX/XX/2023 to remove the block- this time I had to call because of my frustration. Then on XXXX XXXX I received an email saying they were reversing the dispute based on available information. I immediately reached out again and asked for this available information. I again, redisputed this charge. On XX/XX/2023, they again reversed this charge only. And again I asked for the information and reapplied the dispute and told them I will continue to fight this charge as it was fraudulent just as the other charges from XXXX were. Again on XX/XX/2023, I redisputed the charge and asked for the information regarding this charge. They then reversed the charge on XX/XX/2023 and I immediately disputed the charge. Almost a year has gone by where Apple Card is refusing to provide me any information about this fraudulent charge. They were able to remove ALL the other fraudulent charges but this one with NO EXPLANATION. This is extremely frustrating!
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I have sent all of the required documentation to update my CURRENT ADDRESS w/ Transunion to reflect my proper current address ( XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX CA XXXX ) but my report is reflecting this address incorrectly ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ). This is not a real address, they seem to have butchered my actual address on file. 

Once again, I have sent in all of the required documentation to prove my current address and have that changed out, XXXX and XXXX have updated their systems and are reporting my correct current address- but Transunion has not. PLEASE FIX THIS- I am having incorrect information reporting publicly on my file, this has caused me a lot of stress and mental angst. Thank you.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NC)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I contacted XXXX XXXX XXXX the summer of XXXX requesting a refund of all payments paid during the pandemic. I was told to wait 30 days and I should have the refund. I contacted them again around XX/XX/XXXX and was told that the loan was transferred to Mohela. I was told that the request to refund payments paid since XX/XX/XXXX was transferred when my loan was transferred. I requested a payment history. XXXX said that they do not have it because they transferred everything, including my history. 

I contacted mohela regarding the refund request and payment history. They told me they could not refund payments paid prior to the transfer and they do not have the payment history. On or around XX/XX/XXXX, I again contacted mohela. I was told that they did not have a refund request in their system and it would take 90 days. They sent a payment history, 4 of the 7 original loans. It is now XX/XX/XXXX and I continue to have unresolved problems with my servicers. I have yet to receive the refund of over $ XXXX owed to me, they have not sent a payment history for the 3 loans that are recently paid off. Any help resolving these issues is greatly appreciated.
Consumer complaint received 2024-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services.
Consumer complaint received 2023-07-20
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. (GA)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2023-07-20
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. (FL)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-18
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)

XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, Experian, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit
Consumer complaint received 2023-02-27
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. (FL)

TRANSUNION HAS FALSELY VERIFIED INACCURATE INFORMATION ON MY CREDIT REPORT - ONCE AGAIN!

TRANSUNION HAS NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, TRANSUNION has FAILED to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ).

Under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

PLEASE BE AWARE ... ... .The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ).

If you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I have a XXXX credit card issued by Comenity / Bread Financial. I had a balance of about {$140.00} and repeatedly tried to log in to pay it ( over the last several weeks ). I was consistently locked out of the account. When I was finally able to access it, I showed a balance of {$0.00}. I thought perhaps I paid the bill and the email about an outstanding balance overlapped with my payment. I was charged these late fees : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$40.00} Since I was seeing a {$0.00} balance I did not even realize I was accruing these late fees. I thought I had a {$0.00} balance. Then I started to get many phone calls from Comenity saying I was past due, etc. Again, I logged in and saw a {$0.00} balance. Curious, I chose the " easy pay '' option where you can log in with your credit card number only. That is the only place I saw a balance of {$140.00}. I didn't understand why it only showed up in this location, but - being a financially responsible person, I paid it in full on XX/XX/XXXX. This should have included all fees and charges. 

A couple of weeks later I received an email that said I was past due AGAIN. Knowing that I paid this in full, I further investigated. Comenity seemed to have added these additional charges : XX/XX/XXXX - {$3.00} interest charge on purchases XX/XX/XXXX - {$40.00} late fee ( I presume because I hadn't paid the interest charge? ) XX/XX/XXXX - {$1.00} interest charge on purchases I complained to Comenity and they refunded the {$40.00} late fee charged in XXXX. I was planning on paying the remaining balance of {$44.00} but I do not feel I owe this. 

Their system was not showing my balance whenever I was actually able to log in UNTIL I chose to log in to the " XXXX XXXX '' part of the website, which I did on a fluke. Then when I saw the balance, despite being confused, I paid it in full. Then incurred subsequent charges when I should have had a {$0.00} balance.