davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (KY)

I have a lease loan with Chase Bank. In XX/XX/2020, I incurred toll fees with XXXX XXXX in the amount of XXXX. I paid that on my XXXX bill and the fee was again on my XXXX bill ( while it also showed I paid it in XXXX ). This happened again in XXXX and I paid it not realizing it. In XXXX, I was charged again and called Chase and emailed my bank statement. I told them to look at my statement to see the fee being charge meanwhile it also shows I already paid it. Should be simple?! It shows on the bills that I paid it, but they continued to charge it to me again. Unlike other companies, I do not pay XXXX XXXX direct, I have to pay Chase and then they pay it for me. In XXXX, the XXXX fee stopped, but a new one appeared as I incurred more tolls in XXXX. I paid this and it showed again. This has been going on each month since XXXX with maybe one month it hasn't. I went to XXXX and spoke to finance and store manager. They couldn't understand why I was having this issue and could provide no help. I made a XXXX  complaint in which a XXXX  Chase representative contacted me. I submitted all paperwork and still no resolution. They continue to send me an itemized invoice ( that isn't accurate ) and write to the XXXX  the complaint has been resolved when I told them it hasn't. They told me a payment was reversed and I spoke to my bank manager to say the only thing on my account is my charges to Chase Bank with the fees. Because of this my extra fees I have been late. My normal payment has been higher each month and I receive late fees. I've requested via phone my payment date changed and I am told they will do it ; however it is not completed. I've also received late fees during a grace period I've been told over and over I have. This fees continue and have not been refunded. 
Late fee- I've been told " there is no grace period, but have 10 days after due date ( 14 ) before a late fee is assessed. " " We received a notice from the state regarding your unpaid citation. In accordance with your lease agreement, we have paid the citation and billed your account '' I have been charged the same toll fees over and over. Something in their system is not working and I'm suffering because of it. I can't believe my bank, my attorney, XXXX and others can understand this issue, but Chase Bank can not. 
I have over 100 pages of documents that I will scan if have to, but my current scanner will not take all of it. This includes my Chase statements showing the charged fee and that I paid it before along with my personal bank statement.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (VA)

Filed complaint XXXX. The Company in question responded. Response was not factual yet the notice from CFPB was that the complaint was closed. Really? The company just has to file any response with CFPB and you close the case regardless of violations of the law?
Consumer complaint received 2019-07-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rocky Mountain Capital Management (CA)

I received a call today on XX/XX/2019 by a person who would not identify themselves claiming they were serving me for " check fraud '' on behalf of XXXX XXXX, the number was XXXX XXXX XXXX XXXX XXXX. The person on the phone said he was a lawyer, and I explained that i am currently jobless, and was hung up on. Then they proceeded to call my family members, specifically my mother and threaten them with aiding in " check fraud '' via voicemail, giving out personal information without confirming that the number they had called was my mother. I called them back, an a woman answered as Rocky Mountain Capital Management, upon giving her my name she claimed they were a legal organization or law office and then consistently refused to give me the name or information of their organization. I asked for written correspondence and they denied. When i offered solutions they said " tell it to a judge '' and hung up on me. After i reached out to XXXX XXXX directly and they said my debt had been sold to XXXX Rocky Mountain capital management support@rockymountaincapitalmgt.com rockymountaincapitalmgt.com
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Account name LVNV Funding Acc # XXXX Balance showing : {$2600.00} What balance should be : XXXX Case Type ID THEFT Which bureaus is the error on? All XXXX Bureaus Account name LVNV FUNDING LLC Acc # XXXX Balance showing : {$610.00} What balance should be:XXXX  Case Type ID Theft Which bureaus is the error on? All XXXX Bureaus
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through XXXX XXXX  and with zelle. From XX/XX/XXXX through XX/XX/XXXX there was a total of XXXX in transactions on Zelle. And during that same time frame there was a total of XXXX. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.
Consumer complaint received 2022-12-14
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: WELLS FARGO & COMPANY (FL)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.

according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

I have some concerns about how my deceased fathers bank account at TD Bank was managed prior to his death. The TD Bank Fraud Department was informed by XXXX, who managed his IRA, that he was a victim of on-going fraud and scams. This notification was shared with the TD Bank fraud team on XX/XX/XXXX. While a customer of TD Bank, I also personally reached out to two branch managers at the TD Bank XXXX branch to alert them that my father is a victim of fraud. This did not result in any changes to their handling of his account. 

Between XX/XX/XXXX and XX/XX/XXXX, when he took his own life as a result of financial distress, I believe that TD Bank did not follow proper procedures in order to protect him and his assets. 

My father sold his home and made a large deposit of {$280000.00} into his TD Bank account on XX/XX/XXXX. On several occasions, my father walked into different branches on the same day and withdrew large amounts of cash without question. On XX/XX/XXXX, he went into a branch and withdrew {$15000.00} in cash. The very next day, on XX/XX/XXXX, he withdrew another {$15000.00} in cash. On XX/XX/XXXX, he took out another {$16000.00} in cash. On XXXX, he pulled out another {$33000.00} in cash. 

In addition, he made two large wire transfers out of his account. On XX/XX/XXXX, he wire transferred {$65000.00}. And, again on XX/XX/XXXX, he wire transferred another {$95000.00}. 

He essentially was allowed to drain his entire TD Bank account between XX/XX/XXXX and XX/XX/XXXX. As far as I can tell, there was little oversight to his suspicious transactions. He eventually took his own life on XX/XX/XXXX, stating in his suicide note that his death was a result of financial distress.
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (AP)

A collection account was opened unknown to me. 
Afni Opened XX/XX/XXXX for the amount of {$220.00} with the Original creditor : XXXX XXXX XXXX. 
My husband is XXXX XXXX military and in XXXX we moved to XXXX for his duty assignment and still live here to this day. I've had absolutely no interaction with the collector or creditor and have never done business with them either. These accounts are unknown to me and I'm disputing to have them verified, validated and if not removed.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I saw in my public credit reports that I have a dent of {$180.00} from XXXX XXXX and I did not sign up for that at all. And I'm trying really hard to build my credit and that's definitely not helping and is stressing me out.
Consumer complaint received 2021-07-21
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: CNG FINANCIAL CORPORATION (WI)

Due to unfortunate circumstances, I was forced to file bankruptcy. The account with check n go, is still showing as a write off/charge off on my credit report with a date of XX/XX/XXXX. However, it was included in bankruptcy. To have this account report as a write off when included in a bankruptcy is essentially a violation of the Bankruptcy Injunction and a violation of the FCRA because it is inaccurate and violates my consumer rights. 
I've been trying since XX/XX/XXXX to resolve this with the company and even though they've been sent proof of bankruptcy and proof of the discharge of debtor, they refuse to remove the account or fix the error in reporting.
Consumer complaint received 2021-07-21
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. (SC)

I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.
Consumer complaint received 2021-07-21
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. (SC)

I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Opened XX/XX/21, Was issued {$1000.00} limit ( credit score hit ), then less than 30 days later my limit was reportedly reduced ( took another credit score hit ) Not happy, process not transparent, would have never started it, adversely impacted my credit standing for what? Where is the adverse action notification when credit limit dropped? Will lodge complaint with CFPB as this appears to be bait and switch!
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I initially filed a dispute in early XX/XX/XXXXregarded a company that listed are my credit report is listing that the account is in collections when in cact it's in luded in a chapter XXXX   bankruptcy i ask for a investigation on XX/XX/XXXX and ask that transunion provide me with documentation explaining why have the 2 account are no reporting correctly the two accounts in Question are XXXX and XXXXXXXX XXXX XXXX XXXX ... .they have had i er the time specified by the fcra and still have not been deleted from my report
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (OH)

I was a co-signor on my son 's lease on a XXXX XXXX XXXX XXXX that concluded and the car returned to XXXX around XXXX, XXXX with all payments made. I was not aware of an outstanding balance related to excess mileage until I saw it on my credit report, at which time I immediately paid the balance in early XXXX. In questioning XXXX XXXX customer service as to why I never received any notice about this outstanding balance, they informed me that they notified my son and since he lived a the same address, they considered me notified too. Just because XXXX adults live at the same address does not mean they are aware of each others mail. As I have had perfect credit my entire life, the charge-off entry on my credit report has had a disastrous effect on my XXXX XXXX, resulting in lowering of credit lines and rejections on basic credit applications. I have leased XXXX XXXX vehicles through XXXX XXXX in the past 15 years with no derogatory credit items, and for that matter I have never had a derogatory item on my credit reports. The attached letter is XXXX I am sending tomorrow as a follow up to the XXXX other letters and XXXX faxes sent previously with no response.
Consumer complaint received 2022-12-01
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. 
I need to find about where it go. 
However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (NY)

I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry SPV 1 LLC Assignee of XXXX XXXX sent a Constable to my home which is my spouses place of work. They didnt notify me 30 days prior that they were suing me. According to their records my last payment to XXXX XXXX XXXX ( the original creditor ) was XX/XX/XXXX. This debt is time barred and they have filed a court date for XX/XX/XXXX.