davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
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. (VA)

Chase is charging me {$790.00} for a transaction that should not have had an extra charge. I had emergency XXXX while traveling in XXXX. The hospital required a temporary deposit of {$10000.00} euros ( on XX/XX/2019 ) which was returned when the insurance company verified payment ( on XX/XX/2019 ). My Chase credit card does not have foreign transaction fees - the amount debited in dollars should have been {$11000.00} because the euro to dollar exchange rate was XXXX on XXXX XXXX. Instead, they debited {$12000.00}. When the {$10000.00} euros was returned, they credited {$11000.00}, which was correct because the exchange rate was XXXX on XX/XX/XXXX. As a result, I am disputing the extra charge of {$790.00}. I have contacted them by phone twice, by secure message with documentation, and by mail with documentation, and every time they give me a different reason for the fee and deny my request for the charge to be removed. I contacted the hospital, and they said they charged XXXX euros and returned XXXX euros so they did not get the extra money. Chase first said it was a difference in exchange rate so I showed them it wasn't. Then they said we used a PIN for a cash advance - I don't even have a PIN for the card, plus it was a purchase of hospital services, not a cash advance. They have not responded to my last letter ( XX/XX/2019 ) disputing their reasons - it has been a month with no response. I started my protests in XXXX, as soon as I got my statement and saw the mistake. I have attached their last denial letter, my response to the letter, and my Chase statement showing the debit and credit.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AL)

On today collections company LVNV FUNDING LLC reported to my credit that the collections account was closed or settled, I paid the account. 

Then they also reported on the same days XX/XX/2023 to XX/XX/2023 that the account balance increased. 

At this point I feel like one of these statements is false or should not have been reported and has a negative unnecessary impact on my credit.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested Experian, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX  ( 15 USC 552a ) to no avail. Along with numerous other violations, Experian reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, Experian has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and Experian each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting Experian, XXXX, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

In XXXX of this year ( XXXX ) I pulled a copy of my credit report and noticed several errors on my credit report with Experian. I wrote them a simple request to verify, validate and correct the errors that I found on my report. I sent over a certified letter that I had notorize so that they understood that this was a serious violation of my rights. Experian, in turn responded with a vague response and made some minor corrections and for the most part ignored most of the items that need to be corrected with a response that they verified and that it was certified to them to be correct.

Interestingly enough, to my surprise Experian actually added even more inaccurate derogatory information to my file. Such that I dropped my credit score well below 500. This is simply unacceptable. I have instances of reaged accounts, unverified derogatory information, outdated demographic information and the most damaging part is Experian added 24 charge offs to 2 of  my student loans that are in forebearce due to the Covid Cares Act. In addition to adding a charge off for each month starting from XX/XX/XXXX to present on 2 student loan accounts totally 48 charge off marks to my record. They also added a total of 23 reposession marks to one tradeline that I asked to verified. To date, they have not verified and  chose to add these derogatory marks to my file. 

I am a single mother and have never been turned down for an apartment. Because of experians negligence. I have recently as of this week been turned down because of the inaccurate and false information that Experian is providing> the other two bureaus are much more accurate and practice integrity. Its no secret that Experian has a track record of abusing poor consumers in an effort to profit from subprime lenders that fund them to handicap consumer files. I need this corrected as soon as possible! this is totally wreckeless on the part of experian.
Consumer complaint received 2019-06-13
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. (GA)

Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, USDOE/XXXX and XXXX.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GreenSky, LLC (CT)

I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?
Consumer complaint received 2023-05-08
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. (IL)

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Consumer complaint received 2020-09-24
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: CURO Intermediate Holdings (TX)

Hi, This company AD Astra Recovery continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$1000.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked AD Astra Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with AD Astra Recovery in the amount of {$1000.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
Consumer complaint received 2023-02-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

To whom it may concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a PAST DUE BALANCE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
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. (GA)

Hello I wanted to let you know about a couple of things on my credit that are not mine. I was trying to help my mom get a car and they told me that we was not approved. I have contacted the FTC and the police. Im doing this on my own behalf. Please remove these things from my credit Chapter XXXX Bankruptcy, XXXX and XXXX.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

We test-drove a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, VA on XX/XX/2023. We liked the car, and made a deal based upon a written guarantee that the dealer would replace the infotainment system. We put {$4000.00} down in cash. We had told them, up front, that we could buy it for cash. 
Their loan " officer '' drew up a contract, but failed to even ask us if we wanted a : loan, " Service Contract '' ( {$2500.00} ) nor did he discuss : Loan terms, loan rates or length of the loan. He quickly ran us through the details of the Buyer 's Order and asked us to sign, etc.

Later that same evening, we examined the contract and realized that this company is one of those infamous used car dealers who thrive on exorbitant loans and quickly repossess the vehicle ( s ) as soon as ONE payment is missed, so that they can sell it to the next suckers. Over and over. 
I had texted the general manager of the dealership : XXXX XXXX, on both numbers : XXXX and XXXX that night. I had already looked the CFPB up and told XXXX XXXX the deal was off unless he cancelled the loan from Consumer Acceptance Corporation " XXXX  ''. Primarily, because XXXX XXXX ( loan agent ) did not ASK us if we even wanted a loan, much less a warranty, plus the details above. He agreed to cancel the loan, and later told me that he had called XXXX  and that they would send him papers acknowledging that the loan was cancelled. We have not received any proof that this has actually been done. 
We returned to the dealer, with {$5000.00} CASH, on XX/XX/2023 and bought the car, and drove it home. Bill of CASH Sale in hand. Today, XX/XX/2023, I found a XXXX for the first payment to XXXX in the mail. See attached. 
I immediately called XXXX  today, and spoke with " XXXX '', and I offered to send her a scan of the CASH Buyer 's Order, but she ( XXXX XXXX said that would not be necessary. She checked with their Verification Dept. who stated no request had been made by XXXX XXXX or anyone else at XXXX XXXX XXXX. I then called XXXX XXXX XXXX again ) and he assured me ( again ) that he would call XXXX, etc. 
I have not heard from him since and sent him an e-mail with my concerns. He has not responded to that either. 
I researched Consumer Acceptance Corporation and their " Service Contract '' " company '' and found nothing but complaints about both from many consumers.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (CO)

My bank of the west credit card was paid off and closed in XXXX 2020. Yet, I have still received late payment marks on my credit every month since. I called XXXX and they said the account had been closed as of XXXX 2020.
Consumer complaint received 2023-05-08
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. (TX)

Please remove this inaccurate account from my credit report as I have never authorized anyone to use my account. It is important that you eliminate these fraudulent accounts to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter.
Consumer complaint received 2021-05-10
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom it may concern, I have tried to get in touch with Capital One repeatedly about this situation. They are currently reporting two accounts on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 USC 1681. 

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, has violated my rights. 

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 2023-07-07
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: EQUIFAX, INC. (AZ)

I hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

I have been emailing, calling and filing disputes with XXXX XXXX and Equifax & XXXX since XX/XX/2019 and submitted documents from Bankruptcy Attorney and problem is still not fixed. Mortgage is being reported as included in Bankruptcy which is incorrect.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to XXXX, Experian & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today is/XX/XX/XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Hello, Id like to file a formal complaint with the CFPB against JPMorgan Chase. Recently I discovered check fraud on my account by which a check in the amount of {$2900.00} written for my monthly rent was stolen from my local mailbox and deposited into someone elses account ( not the intended payee ). Ive filed a claim with Chase Bank to recoup the funds but they refuse expedite my claim and say it will take up to 60 days to investigate. 

For this, Im unable to pay my rent this month and will incur a late payment fee of {$200.00}. Im also calculating that I will overdraw my account with recurring bill pay due to my missing funds. 
I feel my requests have not been handled properly or urgently and I would like to see that this does not happen to other customers. They will not provide provisional credit so now Im experiencing financial hardship. I would like to ask that my claim is resolved expeditiously and that Chase review their subpar customer service standards. Clearly unacceptable to make the victim here suffer so needlessly. Clear and obvious check fraud should be handled immediately, and not in 60 calendar days.
Consumer complaint received 2020-09-24
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. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. So I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

After 30 days past, I still didnt hear anything back so I sent a demand to comply with investigation on XX/XX/2020 Today XXXX & I still havent heard back from these companies. They are taking advantage of normal people. Covid-19 is not an excuse to not follow the FRCA!