davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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)

I disputed in writing an overcharge on my card statement and the credit card company called me to dismiss it in spite of the overwhelming evidence. They will go by whatever the merchant bills me for, not by what it was agreed upon and signed. If the merchant had decided to bill me for ten times the agreed, signed amount that would be fine with my card issuer, as they told me.. 

I disputed a XX/XX/2018 charge of XXXX XXXX on my card in the amount of USD XXXX. 

The SIGNED Agreement with this merchant was for Euro XXXX plus incidentals, if any. The merchant charged a larger amount by arbitrarily and unilaterally removing the agreed 12 % discount on the SIGNED Agreement, and thus overcharging me by Euro XXXX ( equivalent to the disputed USD XXXX at the exchange rate applied for the charge ). 

There were no additional charges or incidentals that could justify the overcharge. I contacted the merchant and they refused to correct the overcharge. The credit card issuer summarily dismissed the dispute in spite of attaching a copy of the SIGNED Agreement as well as a copy of the inflated unilateral bill that the merchant charged to my account. The credit card company called me and even the supervisor stated that since I signed an Agreement, the amount and concepts on the Agreement are irrelevant, and only what the merchant decides to charge later counts for them. 

This is fraudulent on the part of the merchant and on the part of the card issuer.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

This is the third time I have disputed my file about address that are not mine and are not mine.I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX  XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete 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 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 XXXX
Consumer complaint received 2018-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP (PA)

I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.
Consumer complaint received 2018-08-29
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. (OH)

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I  have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (NV)

I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please
Consumer complaint received 2018-08-30
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: EQUIFAX, INC. (MI)

I have complained multiple times regarding medical debt that " XXXX '' continues to report inaccurately. This company nor the original debt holder can validate that I am the debtor for any medical collection. I personally visited the Hospital that the alleged debt resulted form to inquire about financial responsibilities under my name. The financial facesheet that was printed had a list of inaccurate information including incorrect first and last name incorrect birthday This information was taken from the MOUTH of an unknown individual using a name similar to my own children 's name. There is no identification for the children or the adults registering the children.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (TX)

Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

The Company : 1. has refused to provide me with validation and assignment of debt documentation. 

2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid. 

4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law. 

6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices. 

7. company has called my phone despite clear instructions not to. 

8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent. 

cc. State Attorney Office, CFPB, FTC
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I received a direct deposit to my checking account on XXXX for {$60000.00}. There was a 4 % charge upfront ( {$2400.00} ) and a 0 % promotional for 12 months. I was charged additional interest on XX/XX/XXXX and XX/XX/XXXX. When I called customer service, I was notified that I was subject to 16.49 % interest along with the 4 % upfront. 
I have transacted this direct deposit with Bank of America 10+ times since XXXX. I am certain that the promotional was offered on the website. I certainly would not sign up for 20.49 % all in interest. When I asked for some evidence, the customer service person said that everything happened on the website and that there was no evidence of the rate that was communicated to me. 

I paid off the credit card and closed the account XX/XX/XXXX.
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 via certified mail. It is now XX/XX/2018 and I have yet to receive back sufficient validation of that was requested to verify this alleged debt. The FCRA gives the company 30 days to respond and after this time had passed, the company sent directly to my address a copy of billing statement. According to FDCPA, this is NOT sufficient validation.
Consumer complaint received 2018-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (VA)

XXXX XXXX XXXX is listed on my credit report as a debt, they have not provided me with any information stating this debt belong to me, they have not verified any account info etc, I have never had any obligations towards this company, they do not state who they represent..no information at all provided to verify my identity that this debt is in fact owed by me.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2018-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NV)

Im request promissory mastery note documentation from the student lenders regarding an amount that I see in my account for XXXX school the first I see is XXXX XXXX  college and the other for XXXX XXXX XXXX. I'm seeking verification.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2018-10-20
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. (SC)

Disputed XXXX XXXX XXXX XXXX auto loan that was opened on XX/XX/XXXX. After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.
Consumer complaint received 2018-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2018, I transferred {$500.00} to someone online through the Chase Quickpay. 5 minutes later I realized this person is a Scammer and the transaction is still in pending. So I reached out to the bank right way trying to cancel the transaction. However, Chase told me to wait for 3-5 business days for the claim. And today they told me the recovery failed. I am really upset since Chase care nothing about the customer loss and they do have rights to cancel transaction when it's pending instead of waiting for 3-5 days for investigation.
Consumer complaint received 2018-12-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (AL)

Was not aware I was covered under the MLA until I spoke with XXXX  a few weeks ago. I have this installment loan and a credit card with XXXX   XXXX. I sent them all my documentation to show I qualified and they are not honoring it. Charging high interest and fees. My husband died on XXXX XXXX. I was not aware I was protected until recently
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (FL)

The name of the collection company is Hunter Warfield , Inc . They are extremely unprofessional when I've spoken to them over the phone and when I wrote to them directly, I never got responses to my letters. I have attached copies to this complaint of the letters I sent them and also a copy of the account as it was on XXXX ( it was on all 3, but I am just providing a copy of XXXX simply as proof of what was reported and the dates ). They just stuck this debt on my credit reports and refused to investigate. I never even heard of them until they started calling profusely in XX/XX/XXXX. I began disputing in XX/XX/XXXX the unverified, invalidated debt of original amount {$5600.00} and balance of {$6000.00}. While I sent them debt validation letters directly, I also disputed this debt via the 3 major credit bureaus. What Hunter Warfield did was deleted the account and bolted or simply stopped reporting and never said a word ; in other words, they refused to respond, they stopped reporting the account, and to this day ( late XX/XX/XXXX ) I have not heard one word from them. I can only assume that the account was deleted or that they're simply not reporting ; which, I do not know because they refused to say anything. The credit reporting agencies never reported the account as deleted. Therefore, it is very possible that this unverified, invalidated debt could be placed right back on my reports because of this -- and I believe that it is their underhanded, sneaky way of being able to do so! I am outraged that a company could get away with doing such a thing. They did not do their due diligence, the credit bureaus did not do their due diligence either, and I was not given due process as they violated the FCRA and FDCPA.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX has furnished the following account Opened XXXX XXXX in the alleged amount of {$28000.00} I am requesting help on the further enforcement to The company XXXX XXXX for violating my rights and another known violations that are in accordance with IRS SEC and the OCC i ask you today to help end this matter that has had a negative effect and distress on my life as i will be reaching out to the other federal governing authorities to correct this matter
Consumer complaint received 2022-07-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Adjustment Service, Inc. (MO)

I have been receiving very RUDE calls from a debt collection agency called XXXX XXXX  on behalf of XXXX. XXXX. Stating that I owe an out standing bill amount for cell phones of which i do NOT have and an outstanding balance of over {$1000.00}. My name is XXXX I've explained this over and over time and again to these individual 's that keep calling me that I don't have the products in question but also I have only missouri XXXX AND XXXX. income i have been XXXX since XXXX. And this debt collection agency has been calling me since XXXX. No other icome do I have except the {$770.00} per month that is as Ive learned in the past year are both State and Federally protected. But they keep calling me even as going as far as calling me out by First name getting rude with me and saying things like what your XXXX etc etc. I just would like the debt gone and some dignity intact I am a proud Veteran of the XXXX and I dont appreciate being belittled over the phone. I was raised right and use my manners even when someone as rude as that lady said that awful stuff to me.