davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (CO)

On or about XX/XX/2019, I had called Exeter multiple times ( my SUV loan company ), that I wanted to pay extra money on my SUV payment for PRINCIPAL ONLY. I was current on my monthly payments but was told that I could only apply PRINCIPAL ONLY money if I was 3 months ahead in my payments (? ). I have never heard of this before and it was obvious that Exeter was doing everything possible to make sure my loan extended to the completion of 72 months or 6 years. 

Exeter obviously wants to get the maximum interest on my loan. Exeter has cost me extra interest and extended my loan out to the 72 months or 6 years. I want Exeter to allow me to make extra PRINCIPAL ONLY payments each month with no 3 month payment in advance requirement AND refund me {$1000.00} for interest that I shouldn't have had to pay if I was able to apply extra PRINCIPAL ONLY payments each month. Appreciate any assistance. Thanks.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2019-07-16
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. (NJ)

Purchased flight with XXXX XXXX for {$510.00} on XX/XX/XXXX. 

Airline went bankrupt before my scheduled flight XXXX XX/XX/XXXX. XXXX XXXX, so I filed a dispute with Chase as I never received the goods/service I paid for. 

Disputes, correspondence, updates to claims, and phone calls were filed with Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Even more perplexing is that this was a family vacation. I booked my ticket separately on my own, my family booked theirs via XXXX on their own transaction, but they received a refund via chargeback from Chase, but I was denied. 

CLAIM ID : XXXX CLAIM ID : XXXX CLAIM ID : XXXX
Consumer complaint received 2023-03-24
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX XXXX XXXX TransUnion ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-02-12
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. (DC)

I complained to XXXX XXXX XXXX multiple times stating that I am a victim of identity theft I even sent out letters multiple times without getting a response they have yet to remove the negative report that's heavily impacting my credit nor did they get back to me via mail.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

I deposited a personal check on XX/XX/2023 inside a Chase Bank branch ATM, several business days ago for $ XXXX. 
I have deposited similarly large amounts prior into my account over the years, and have never defaulted nor overdrafted, nor given Chase any reason to suspect the legitimacy or credibility of my account or its transactions. 
A hold has been placed on the funds until ( Chase estimates ) XX/XX/XXXX, even though the check issuer bank ( XXXX ) has already posted and released the funds. 
None of the funds have been made available so far, in direct violation of the fund scheduling per Regulation CC ( 12 CFR 229 ) the Expedited Funds Availability Act. Not even the cursory {$200.00} that is required within 1-2 business days. 
The bank is unable to specifically state what type of hold is on the deposit, nor do they have a compliance officer available for fund deposit concerns. 
The bank claims I waived my rights from the Expedited Funds Availability Act when I opened my checking account. 
The bank wants me to do their job and setup a conference call between Chase and XXXX to address the issue. I do not work for Chase bank. I should not have to do their job to access my money that they are holding hostage, illegally. I should not have to take unpaid time off work to fight to access my money that they are holding interest-free.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these two accounts and the inquires.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (AL)

I have been unable to log in to my account since XX/XX/XXXX. I called on XX/XX/XXXX and they said it was an isolated issue with my account and their service team would resolve the issue within 3 days. I had money in my XXXX account that I needed to transfer but could not due yo lack of access. I can not not have access to my account for 3 days. I had to transfer money to my other card which cost me {$8.00}. I am expecting a deposit and need to know when it comes in.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

I made a payment for the full amount of balance, which cleared my bank. However only part of my credit limit was available after it was cleared. When I was looking over the website for the terms and conditions, nothing is posted related to the hold. Upon calling customer service, the informed me that was in the XXXX XXXX XXXX, I asked where, as their website has nothing posted about the available balance being lower than payment made. The two reps indicated that it was because it was due to a large payment and they were waiting payment to clear, which does not make sense, as my payment was cleared by my bank and not showing as pending. The supervisor indicated the XXXX XXXX XXXX and would be sent to my address after pointing out that they were not indeed listed where a customer can clearly find them.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

RE : Willful Noncompliance with federal credit laws : Failing to Follow Debt Dispute Procedures Reporting a debt as charged off when it was settled or paid off Reporting late payments when your payments were timely Reporting old debts as new ones Inaccurate statement of balance due Experian XXXX. XXXX XXXX XXXX, TX I submitted a dispute on XX/XX/2019 and XX/XX/2019 for the following account : XXXX XXXX, Account Number XXXX date is incorrect, balance is incorrect, original creditor paid and I have not received any correspondence from you or the collection agency that this item has been reinserted on my credit report. 
The representative informed me that a thorough investigation would be conducted. This was obviously not done because the item was immediately validated as accurate. 

XXXX XXXX XXXX, Account XXXX XXXX account details are incorrect. Please provide full details of validation efforts XXXX XXXX XXXX, Account Number- XXXX Account paid under wage garnishment XXXX XXXX XXXX XXXX , Account Number- XXXX Documentation has been previously mailed several times regarding the correct/updated balance after the vehicle was sold. You refused to acknowledge the documentation I submitted. This is old information furnished as new information. This is a clear violation of my rights under federal law. 

XXXX, Account XXXX, XXXX - Unauthorized charges billed to an address that I do not live and have never lived at. 

the agency came back both times in less than 24 hours with the item remaining and claiming to have verified the dispute. Now, they are refusing to reinvesigate any further, deeming it frivolous.
Consumer complaint received 2018-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I am a XXXX XXXX XXXX and qualified for XXXX loan forgiveness. In XX/XX/2017I submitted my loan verification form to navient. They did not fill out the form correctly. They did not put the right amount I owed on my student loan. I was told by XXXX to have them fill out the paperwork again and resend. In the last 10 months I have called monthly and sometimes even every two weeks to get them to fill out the paper work. They have told me it was resent when I call XXXX they have not received. Ive asked for it to be sent to me multiple times. After ten months they finally sent me the paperwork but it was not filled out. I am having to fax the documents to them again to try and get them to put the correct balance. Meanwhile my loan would have been paid off last year by XXXX but since the did not fill out correctly I still have a balance and they are collecting interest daily.
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)

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} from my report. As of this date, Experian, XXXX and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX Days Late | {$200.00} past due COLLECTIONS XXXX Opened XX/XX/XXXX + {$2400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$1400.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX + {$2100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX + {$62.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$42.00} Original creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.
Consumer complaint received 2024-02-12
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. (NC)

Dear Experian, I Was Looking At My Credit Report And These Accounts Looks Weird To Me The Last Date Of Activity The Last Date Of Payment The Account Number The Account Balance Everything On This Credit Item On My Credit Report Looks To Be Incorrect Can You Please Delete This Item For My Credit Report Because It'S Not Accurate And It Is Not Complete I Greatly Appreciate You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-21
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. (UT)

XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.
Consumer complaint received 2018-03-14
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. (CA)

Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ). Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (IN)

i try disputing the issue with dentists and refuse to talk with me because services wasnt completely, XXXX Equifax XXXX Account Name : XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Account Status : Closed Open Monthly Payment : Date Opened : XX/XX/2013 XX/XX/2013 Balance : {$1700.00} {$1700.00} Terms : 1 Month High Balance : Limit : Past Due : {$1700.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Comments : Account in dispute-reported by subscriber
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.