davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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: BARCLAYS BANK DELAWARE (NH)

I had a dispute with merchant simply thai for {$5.00} as the merchant gave me the wrong order as I was driving back to XXXX from XXXX XXXX  and this merchant was on my in XXXX. When I got home I found they gave the wrong soup than what i had ordered so i called the merchant and they refused to refund me. I answered all the questions thrice to the jetblue disputes team and then dispute was closed in the merchant 's favor which I dont agree at all. I need my money back as the merchant was at fault.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC (AL)

In XXXX of XXXX, an attempt to serve papers on me was made at a prior address. My prior landlord did not have an address or current phone # for me, but signed for the papers and then tried to locate me which he eventually did. He forwarded those papers to me at that point. They were papers alleging that I owed a company called " XXXX '' a sum of {$4000.00} plus court costs. I have NEVER borrowed a sum of money anywhere in the {$1000.00} + plus range. I believe that it could be possible that I might possibly have done a small " payday '' loan with this company when I lived in XXXX Al which would have been PRIOR to XXXX. I can't say for sure. If so, it was in an amount under {$500.00} which I would have paid back. Although I can find no record of such, I do believe that I was contacted via telephone in the late XXXX by individuals claiming to be from XXXX. I felt it was a scam. They had foreign accents and were pressuring me and I refused to do business with them. I did NOT borrow any money from them and did not hear anything further from them after that point. I was living in Montana at the time. I have never received any " reminder '' notices or other correspondence regarding owing any money to " XXXX  ''. There is no record of a debt owed to them anywhere on a Credit Bureau Statement from all XXXX major Credit Bureaus. I have studied my credit report in depth and have discovered XXXX addresses and XXXX phone number that have NEVER been mine. They are : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX also located a phone # in the XXXX? : XXXX This number appears to be a " mixed up '' version of my current phone #? 

So ... this is where I stand with this.
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I had a checking account ending in XXXX and I provided the CPA letter to show business ownership to Chase Bank via email and sent it to XXXX I need my funds that are rightfully owed to me. This is {$22000.00} that I have to pay back to the government. I also need the other remaining funds of {$4700.00} which is a total of {$26000.00} I spoke to XXXX at the executive office and did not hear from him nor anyone at Chase since XX/XX/XXXX and it's already XX/XX/XXXX!!!
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I have a loan with UAC/CARHOP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both all 3-bureaus and UAC/CARHOP with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not recieved a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.
Consumer complaint received 2023-08-10
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: EQUIFAX, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX   XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. 

In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. 

Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. 

I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: JMS Associates, Inc. (VA)

A man named XXXX XXXX from a company he referred to as JMS Associates has called the receptionists at my new job 5 times this past week to claim he is attempting to collect a debt. 

This is either a fraudulent attempt to collect a non-existent debt ( I have never been contact by JMS Associates at any time previously until XXXX XXXX began calling me at work ) or it is a tact planned to place me in an awkward position at my new job ; for if JMS has a legitimate debt to collect, they have received my personal contact information from the original creditor and I believe they should be using this information properly instead of contacting me at my place of employment every day.
Consumer complaint received 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MO)

I am disputing because I am a member of XXXX XXXX XXXXXXXX XXXX  and I am low to no income I had mo rent and it is a mistake I shouldn't have an eviction I was not taken to court. And also its causing me to be homeless with my daughter right now with my housing voucher due to being noted eviction and it honestly isn't I haven't been evicted
Consumer complaint received 2022-12-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (FL)

I recently requested my statement from Aqua Finance Inc. When reviewing my statement I discovered that the first six payments that I made to the company for my monthly pool payment of {$750.00} had been taken strictly towards interest. Not a single XXXX of that initial {$4500.00} went towards the principal! As I continued to review the statement I noticed that even though I have a fixed interest rate of 10.9 % the amount of interest that I was required to pay monthly varied significantly. Even though I was consistently making my payments, the amount of interest that was being collected would actually go up which doesn't make any sense because if I have a fixed interest rate and I'm making my payments monthly even if the principal is decreasing by a small amount, the amount of interest collected should always decrease and never increase. I'm not talking about small amounts either, this company takes whatever amount that they want from your payment and will keep it as interest. The math is simple, if I am paying monthly on my account that has a set interest rate my principal and amount of interest ( dollar amount ) should decrease and unless should never increase unless the interest rate changes or there is a late fee. One month the amount of interest collected was {$270.00}, the following month they took {$390.00}, the following month they took {$580.00}, and the month after that they took {$680.00}. Payments were all made on time in the amount of {$750.00} and Aqua finance Inc just arbitrarily choose to keep whatever they wanted and just disregarded the terms of the contract. Business should not be allowed to take advantage of consumers like this and it is a disgusting practice. I have emailed the company twice and I have gotten no response and I spoke with a representative and he couldn't provide answers as to why this was occuring ( although there was also a language barrier between him and I ).
Consumer complaint received 2022-11-02
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. (KY)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair Credit Reporting Act. The list of Accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Car Insurance Amount XXXX I got sick with XXXX which i had no control over i could not work once i was able to go back to work i paid vehicle off they told me once i pay auto loan off they will remove the account off my credit they never did Please consider having this removed off my credit my life was turned upside down due to XXXX I am trying to rebuild but this is a stumbling block I disputed this several times no action was taken it is included on all three credit reports XXXX, XXXX and Transunion thank you for taking the time to hear me out. Sincerly, XXXX XXXX 15 USC 1681 Section 602 A States I have a right to my Privacy 15 USC 1681 Section 604 A section 2 15 USC 1681 C. ( A x 5 ) 15 USC 1681 S-2 ( A x ) 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GREENSTATE CREDIT UNION (IA)

Improper use of my private credit report. I did not give permission for this company to access them and provide false and misleading information on them. This was a checking account and NOT A LOAN as stated on my reports.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

On XXXX XXXX XXXX {$200.00} was deposited into my Chime account, I attempted to transfer the {$200.00} to my linked bank account, Chime wouldn't allow the transfer. On the morning of XX/XX/ Chime informed me via email that they'd closed my account. Upon. calling customer service regarding this matter I was informed that my account was closed because I was not in compliance and therefore was not eligible for a refund. Regardless of whether or not I was in compliance, which by the way, I had no idea I wasn't and no opportunity to correct, that is my money, I didn't buy anything from them nor owe them anything. They should give me my {$200.00}, they had no right to take/steal it.
Consumer complaint received 2020-08-16
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. (CA)

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX up. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX   fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Consumer complaint received 2015-05-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (IN)

they call my place of employment several times a day, they share information they say pertains to me with whoever answers the phone, they ask to speak to my supervisor, they refuse to send me supporting documents of the debt, they say they have but I have never received, I do n't know who they are, they ask me to verify my name, ssn etc. without telling me who they are, they just give their name when I ask for a name, they finally gave me a company name that researched to find it is some type of collection agency, they wont let you talk but talk over you, they say I only want supporting documents to delay payment, they demand immediate payment and offer a settlement but do n't tell you a settlement for what.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the last year I've been disputing these accounts below with the transunion and they will not investigate it. Even when I try to dispute they say that they can not investigate it. Ive been a victim of identity theft on several occasions. This is becoming problematic. I feel like people are able to run my credit without my permission even though its a fraud alert and even though I submitted a police report. I really wish this system was fair for us all no matter our gender, color, or financial status. Im also including a copy of the police report that was filed when all this first started. 

XXXX XXXX  XX/XX/XXXX XXXX Collection was re entered onto my credit that is an account from XXXX which is well past the 7 years. They was allowed to reared this account. 
XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXX   XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX   XX/XX/XXXX Inquiry XXXX  XX/XX/XXXX Inquiry XXXXXXXX XXXX   XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/XXXX Bankruptcy XXXX on XX/XX/XXXX
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

This is very simple : I had a subscription. I cancelled the subscription. Capital One continues to bill me for the cancelled subscription and all my attempts to correct this or even to get a coherent explanation from Capital One have failed. 

I realize that, in this time of political and constitutional turmoil, my issue is trivial in comparison but it involves the larger current issue of malefactors of great wealth who are trying to turn this country into a XXXX  style of XXXX XXXX. 

If you would like further information the Capital One case number is : XXXX. I can provide more documentation if desired. 

Thank you for your time. 
XXXX XXXX email : XXXX phone : XXXX mail : XXXX XXXX XXXX XXXX XXXX OR XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OR)

every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX
Consumer complaint received 2022-11-02
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. (MD)

There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX  of the Federal Rule of Bankruptcy Procedure. 


Rule XXXX of the XXXX XXXX of XXXX  XXXX went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.