davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WI)

I needed to pay property taxes on time to avoid fees and tax increase. I had funds in Chase Bank and contacted Chase to assist me with this payment : on XX/XX/18 spoke for 16 minutes, on XX/XX/18 at XXXX XXXX I made a tax payment, then spoke with Chase to double check that payment would go through 5 times : at XXXX XXXX, at XXXX XXXX, at XXXX XXXX XXXX XXXX, at XXXX XXXX, at XXXX XXXX. 
On XX/XX/18 they called me at XXXX XXXX to inform me that I can not make property tax payment with them since they do not allow to make tax payments and will contact the XXXX County to cancel the payment, then I transferred money to another bank to pay my tax on time. However later I learned that payment still went through and there were no funds as I transferred the funds. 
As the result I was hit with over {$6000.00} NSF fines. Then I contacted Chase executive office asking them to either pay that fine or provide me a letter with detailed explanation of their error which I still did not receive. I spoke with XXXX at executive office at length, I only asked her to send me a letter with the response, she talked a lot I could not even understand what she was explaining. I never sent me her explanations on paper.. 
{$6000.00} is a lots of money, I made payment in good faith, I had money but Chase misinformed me as the result I am subject to a huge fine where I am at no fault. I have to work for 3 months all days long to make that payment and Chase has created hardship for me.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Multiple large online transactions ranging from XX/XX/XXXX - XX/XX/XXXX. Total amount of unauthorized transactions : {$12000.00}. Filed fraud claim with Chase Bank as soon as I noticed these charges. Chase credited my account as they investigated for almost 3 months, then ( according to my bank statement ) on XX/XX/XXXX decided that I am responsible for these charges, and later sent me a letter notifying me that these unauthorized transactions were valid because I received benefit from these transactions???? Around mid XX/XX/XXXX, finally getting the chance to call chase about my claim denial and asking them to reopen my case, I asked the Chase associate what documents I need to provide for my claim, and they said to file a police report and reach out to the merchant. After doing so, with no help from the charging merchant who says theyre a third party merchant and can not reveal who the actual merchant is or what products or services were purchased, I filed a police report with my local police and submitted the summary report I received to Chase. Eventually Chase sent me a letter saying they believe the charges are valid and will reissue the charges to my account, and if I had any questions, I could call the number listed to the Senior Fraud XXXX XXXX XXXX. After calling the number, the XXXX said because the company had all my information, it is difficult for me to prove I did not make these charges and that there is basically nothing I can do. They did not provide me with information on what products or services were purchased/provided, nor could they tell me anything about the charging merchant ( only that they had my information such as name, email, phone number, etc ) and they want ME to PROVE I did not make these FRAUDULENT ONLINE transactions???? I filed a police report, I contacted the charging merchant who would not give me any information about anything, and now Im stuck with over {$12000.00} of credit card charges that I didnt do!!!!
Consumer complaint received 2023-04-04
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. (VA)

I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX  to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2023 and payment for payoff was sent to XXXX XXXX XXXX on XX/XX/ ( a XXXX  ) via a wire transfer. XXXX XXXX XXXXXXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX  is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.
Consumer complaint received 2023-04-04
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Your Account XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) + XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$3500.00} ( Credit Card Opened by the Thief ) Delete XXXX XXXX  XXXX, XXXX report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of Credit Report
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There were fraudulent inquiries were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I made several attempts to dispute incorrect late reporting to the credit agencies for the following accounts : XXXX is incorrectly showing 60 days late in XX/XX/XXXXand XX/XX/XXXX ; or XX/XX/XXXX showing 30 days late. 

XXXX 'XXXX  XXXX  XXXX is incorrectly showing 30 days late XX/XX/XXXX XXXX XXXX/XXXX XXXX is incorrectly showing 60 days late in XX/XX/XXXX. 

XXXX is incorrectly reporting XXXX XXXX XXXX 90 days late in XX/XX/XXXX
Consumer complaint received 2019-04-30
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. (CA)

I opened a dispute with all 3 major credit reporting companies regarding a Bankruptcy that was showing on my credit report. I never filed for Bankruptcy. This is inaccurate information on my credit report. It is also appearing on numerous accounts that are closed as included in Bankruptcy. 

I asked them to verify this information and they came back stating the information was verified with XXXX XXXX, a third party. This is completely false, XXXX XXXX does not report my information. I have an attached letter from them stating they have ceased all reporting for my as of XX/XX/2018.
Consumer complaint received 2019-09-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have attempted an IRP with Navient. None of the options are the right fit. They just keep placing me on a hard ship forbearance. No other options but to pay the monthly or keep forbearance but if I understand correctly there are only so many of those.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (FL)

XXXX XXXX {$340.00} no action took place canceled my service with this company to get with a better company now they stating I owe this amount didn't realize it at all now it's on my credit and I can't afford to pay it
Consumer complaint received 2019-09-19
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 (CO)

I looked on XXXX XXXX and saw that there was an extra credit card being reported. This account was opened XX/XX/XXXX. The individual was making payments consistently up until XX/XX/XXXX. At this time I was added as an authorized use to this account without my permission. I would never add myself to anyone 's financials, I won't even be on the same phone plan as someone else. I called Capital One, who issued the card, to remove myself from this account. They will not tell me who owns the account that I am an authorized user on " to protect their identity ''. What about the protection of MY identity? Someone has ruined my credit and I can't find out who. I would like to take this up legally with the person but I have no idea who it is. It only shows me that it is a Capital One Card, the user is listed as " un-designated '', it opened XX/XX/XXXX, the last payment was XX/XX/XXXX, the minimum payment is {$61.00}, and that i am an authorized user. It is maxed out at 147 % credit utilization and a balance of {$730.00} They told me they would gladly accept a payment from me but couldn't tell me ANY other information. I asked to be removed and she told me to cut up my card ( I do not have an authorized user card for this account, but someone else does along with the primary card holder who is unknown )
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX Act. # XXXX XXXX XXXX Act. # 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 a account without my written instructions
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (OR)

Assests Recovery Associates called me and used scare tactics to try to collect on a debt that is at least 20 years old. I do not believe that I owe anything on this old credit card debt. They claimed they had sent a settlement letter and because I had not responded to the letter they were now forced to collect the debt in full immediately. ARA knew my social security number and told me that they had contacted my current credit accounts and knew my status and balance. They tried to convince me to make a payment of {$2000.00} to them using one of my credit cards. They threatened to have their lawyers put holds on my accounts or income if I did not pay by the XX/XX/2019. 

I was had. They got me frazzled and I paid {$100.00} toward the total. ARA said I would have to pay {$1900.00} by the XX/XX/XXXX or pay {$240.00} a month until the total balance was paid. Then I started thinking straight and looked into the company, ARA. I found that CFPB had just settled with ARA for non-compliance with Consumer Protection Act of 2010. ARA is still non-compliant. 

I faxed a letter to ARA telling them I refuse to pay anything more because I do not believe that I owe this debt and they are not able to provide proof of the debt. I asked them not to contact me again. 

Since that request, they have tried to contact me twice by phone.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Kohl 's Dept. Store Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kohl 's Dept. Store for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Kohl 's Dept. Store has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Kohl 's Dept. Store cease such practices immediately.

4. **Failure to Provide Disclosures : ** Kohl 's Dept. Store has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Kohl 's Dept. Store, and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Kohl 's Dept. Store and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Kohl 's Dept. Store. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2023 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX asking them to validate this alleged debt and they did not respond.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c ( a ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/XXXX, the lease was ending on my XXXX XXXX XXXX XXXX After looking at the options with XXXX XXXX in XXXX XXXX, CA, I decided to purchase a XXXX XXXX XXXX. 

XXXX XXXX purchased my lease ( i.e. bought the car ) and sold me a new car. There was no mention of any other fees and I believe I was clear when I agreed to buy the car that this was the price and there were no other fees. 

About a month later in XX/XX/XXXX I got a bill in the mail for {$190.00} from XXXX. The bill did no indicate what the amount was for. Upon investigation, there was a scrape on the car that XXXX decided was a {$190.00} cost to myself. There was no math given and I only found out the details of the bill upon calling to investigate. More importantly, I closed the deal on the lot and then get this bill a month later saying that the deal on the lot was not the deal, there's actually this other bill that was never discussed. 

Getting a bill after turning over my lease and purchasing a new car is shady and unethical. Yes there is a contract that says I am responsible for excessive wear and tear, but the point is that XXXX XXXX purchased my car on the lot that day and then slipped this bill to me in retrospect and it was never discussed. I was never told there would be additional costs to turning over this lease on the lot. 

Additonally - this XXXX XXXX has a key, not a fob, that has to physically be put into the car and can be locked in the car, which I did not know until I got the car home. I didn't even think that this was an option on a XXXX vehicle that I had to ask about. I certainly was not made aware of it by the salesman who gets paid per deal that he closes and is only concerned with closing the deal, no matter what. 

I have paid this {$190.00} so that my credit will not be destroyed, but it is a shady, unethical poor business practice and I will never buy another XXXX.
Consumer complaint received 2024-03-06
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. (CT)

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.

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 a 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.