davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

My lease end date was XX/XX/2022. 

In mid XX/XX/2022 my vehicle was involved in an accident. 

I was given instructions by my dealership to take the car to their certified repair shop, which I did on XX/XX/2022. 

I was instructed to extend my lease and continue making payments while the vehicle was being repaired. I have been continuing to make payments past my lease end date. 

I was informed by the dealership and the repair shop that parts to repair the vehicle are back ordered over one year.

Because of this, they are expecting me to continue paying for the vehicle even though it is not in my possession and my lease was over in XXXX. 

Chase has confirmed that they have " grounded '' the vehicle and that it has been out of my possession since XX/XX/2022. 

They have instructed me to stop making lease payments. 

The account, however, shows open and past due in my Chase account. 

Chase escalations told me today, on XX/XX/2022, that the account will remain open on my credit until the vehicle has been repaired and sold. 

This is clearly unacceptable. I have done everything I have been legally required to do according to my lease contract. 

I have faithfully paid all of my payments and the lease is over. The dealership 's repair shop has been paid all of the repair fees from my insurance company. 

This delay exists due to a lack of parts available to make the repairs. 

This should not be my concern and this account should be closed. 

I have spent over 20 hours on the phone the past three months dealing with this without any clarification on appropriate recourse.

I am being told different information every time I call : that my credit may or may not be impacted, that they closed the account and that the account can not be closed, that it's the dealer 's issue to deal with and then the dealer tells me it's the bank 's issue to deal with.

Please help me, I am being forced in circles and told that due to the complexity of the situation, I just have to wait and see if my credit will be negatively impacted.
Consumer complaint received 2021-08-22
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. (GA)

My federally protected consumer rights were violated because Transunion furnished false information without my written consent. I never gave Transunion any written instructions to furnish anything on my consumer 's report. No consent is Identity Theft and infringement on my Consumers right to privacy. Based off Transunion violating my Consumer rights, I am unable to apply for any Consumer credit for my personal as well as my business. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I am humiliated as well as dealing with XXXX and XXXX  because of these results.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting this CFPB Complaint myself to you today requesting that the Credit Bureaus remove the fraudulent items I found on my Credit report. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX C XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-01-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION ()

Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX  which is a former body before merging with Fifth Third bank. 
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. 
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. 
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. 
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX  at customer service. I'm at loss for this situation. 
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX  belong to the Fifth Third bank and what kind of situation is my account. 
Also, I searched my accounts in Unclaimed Money website, but nothing matched. 
I want to know what I should do to close my accounts of XXXX XXXX XXXX.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (TX)

Had an inflated debt over {$1000.00} With XXXX XXXX and an agreement to pay monthly until the debt was resolved. In XXXX XXXX discarged the debt, wrote it off even though we had an agreement, no one notified me of the change, and i was still paying on the debt as agreed. Today I received notice of a collection on my credit report, looked it up and its a {$210.00} debt i knew nothing of. No letter, no phone call, and it dropped my beacon score XXXX pts. I had an agreement with XXXX, paid like i was supposed to, dont have an agreement with this company and XXXX XXXX its charged off. Horrible business practices by credit collection services. I told XXXX i had XXXX, going thru XXXX, and was on social security and they did this.
Consumer complaint received 2019-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I had a flood in my basement and recieved a check for the damages, which was also written out to the mortgage company DITECH, I have made several attemts to call them to see what I need to do with the check as they need to sign it as well. I have waited between 15 and 55 minutes on hold with out ever getting through, and it even went so far as when I told this to regular customer service and asked to speak to a supervisor, his rude response was I have other customers and rudely hung up on me I even went on their website and filled out the form to have them contact me but to no avail Please help me All i want and need is a response
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MN)

I received a letter dated XX/XX/2022 from Macy 's stating suspicious activity from department store card fraud department. I contacted company. They stated someone got all my personal information and opened an account online on XX/XX/2022. They stated they would close the account and that I wouldn't be responsible for any charges.
Consumer complaint received 2023-01-26
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: SYNCHRONY FINANCIAL (NC)

Credit company has added incorrect payment dates. They have listed the last payment date as XX/XX/XXXX on my dispute and on credit profile. The actual date of last payment was in fact XX/XX/XXXX. Confirmation number is either incorrect on the website or on the receipt that was sent to my email. On my copy that was sent the confirmation was listed as # XXXX and on their online system it shows payment confirmation # XXXX. On the complaint through XXXX, they reported no payment received on XX/XX/XXXX and I have two different confirmation numbers for that one payment. Payment date reported to XXXX as XX/XX/XXXX and paid on XX/XX/XXXX according to their response to XXXX. The actual payment date was XX/XX/XXXX according to my bank account record. This also proves inaccuracy in their reporting of dates. The creditor closed my account without warning on XX/XX/XXXX according to XXXX XXXX I have currently enrolled in a settlement and the amounts are wrong when I call the online system. Nothing in their reports match the data that is on my statements and the settlement amount. There are errors all across the website that do not match what has been reported. As of XX/XX/XXXX I owe them {$150.00} which was confirmed when I called them and made payment in the amount of {$74.00} by phone on XX/XX/XXXX at XXXX. When I call them by phone it states I owe {$410.00} as of XX/XX/XXXX with a minimum payment of {$190.00}. None of the amounts match that are listed on the online access and the phone system. The main issue is the reporting of dates that do not give correct information.
Consumer complaint received 2022-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

Resurgent Capital keeps sending me letters to pay a debt that is not mine. I had filed a complaint on this site on XXXX, and they responded with a letter on XXXX stating they would not contact me again and had deleted my address. Today ( XXXX ) I received another letter from them with the same tactics.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc. (FL)

I have received a letter XX/XX/2023 in the mail saying I owe an alleged debt. never got enough information. also didn't get enough time to respond, couple of days later it was on my consumer report. I have sent them a dispute letter to remove inaccurate information. The reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Consumer complaint received 2019-09-17
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)

On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX  '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX  Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " XXXX XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX XXXX automated phone system never let me talk to a real person to report this issue.
Consumer complaint received 2018-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two inquiries on my XXXX credit report by the following companies ; 1.  XXXX XXXX XXXX on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with XXXX and XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Fees for cash advances on Citi Credit Cards. 
I took out a cash advance of {$2600.00} for 3 days against my Citi Platinum Select Card for which Citi charged a flat fee of 5 % and in addition interest of 26.99 % APR. I was fine with the interest charge, but charging a flat fee of 5 % on top of that was unexpected and not properly disclosed. In addition, this 5 % fee amounts to a 608.33 % APR (! ) which is higher than even most payday lender would charge for this ( also for reference my FICO is 780+ ).
Consumer complaint received 2023-01-26
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. (MS)

I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. According to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.
Consumer complaint received 2022-09-01
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)

XXXX XXXX ( she uses multiple different last names ) of Texas used my SSN to open multiple loans and credit cards. She is in Texas while I am in XXXX. The loans and credit cards all have her names on them, but when I contact the credit bureaus and creditors, they never helped me get these items removed from my credit report? I resubmitted my dispute just now for both Experian and XXXX. I believe my record on XXXX is clean. 

On Experian, XXXX XXXX XXXX and XXXX XXXX XXXX are still on my credit report. On XXXX, XXXX XXXX XXXX and XXXX XXXX are still on my credit report. Both credit bureaus have several of XXXX 's addresses and names which I also disputed. Can we get these taken off? I have been trying to do this for the past few months and it is detrimental to my credit.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I filed a dispute as to entry on my credit report. TransUnion failed to investigate until I established that I was who I purported to be and lived where I purported to live. Under the Fair Credit Reporting Act, I have the unfettered right to file a dispute and TransUnion chilled the exercise of that right. I am angry. I would not have filed the dispute unless I had access to my credit report. Obviously TransUnion knew who I was and where I had lived. It had sent me the report.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

Today is XXXX My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Acct ending XXXX Deposited a US Postal Money Order for {$1000.00} dollars on XX/XX/XXXX at and US Bank ATM in XXXX CA. US Bank placed an immediate 10 day hold on the check. When I contacted US bank on XX/XX/XXXX & XXXX to follow up on the hold I was told that US Bank can not remove a hold once a hold has been placed under any circumstances. The initial phone call to US Bank was to XXXX I spoke with XXXX at extension XXXX at toll free XXXX on XXXX and she confirmed that the bank would not and could not remove the hold under any circumstances until the Money Order had cleared. 
The Postal Money Order in question cleared on XX/XX/XXXX according to the US Postal Service and can be tracked and verified below via this link XXXX XXXX XXXX Check Money Order Status XXXX XXXX XXXX Money Order # XXXX has been cashed. 
'The information received is based upon the most recent information the United States Postal Service has '' As the bank has already taken possession of our funds it is simply wrong that they would hold a small business 's funds for no apparent reason. Similar checks ; also Postal Money Orders were deposited at XXXX XXXX  in XXXX and the funds were available the next business day.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I need to remove a freeze from experian. The website will not allow me to do it, insists i MAIL a bunch of documents that I do not and will not have, because I am working out of the XXXX country, to the company. There is NO way to speak to a person on any of their customer service numbers. I've called 15 times today and tried every XXXX trick their is. Just loops and eventual disconnection. 

This is absolutely ridiculous. I don't want these people anywhere near my information, and yet I have no choice. And now I sit here, completely screwed, because of their greed and refusal to pay someone to answer a XXXX phone.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I sent a letter to Experian stating that they were not reporting a credit card that I 've had for about a decade, which has been used every month and which has been paid in full every month. <P/>Last week I received a letter stating that they have resolved the issue. However, on the form they sent me, the credit card ending in XXXX still does not appear. I assume that this will continue to effect my credit report with them, as it would suggest that I have n't had any credit history in several years.
Consumer complaint received 2021-08-22
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.