davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (OH)

I've explained to Ally Financial several times my current financial hardship. We discussed different payment plans making it feasible enough for me to become current with my loan. We agreed that I would pay an extra {$100.00} a month to bring the loan current. However, I am also being charged a late fee of {$100.00} each month, making a current balance unobtainable and furthering my debt. I am now being threatened with repossession, and harrassing calls XXXX to XXXX times a day to my phone and my family members, while still making payments.
Consumer complaint received 2022-03-24
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)

I'd like to file a formal complaint against Chase. I booked travel through the rewards center. XXXX XXXX canceled one of my flights home in XX/XX/XXXX and did not rebook me. As such, I would have been stranded in XXXX. 
Therefore, I contacted Chase XXXX XXXX  to cancel the whole trip and get a refund. I was assured that they would work with XXXX XXXX to get my refund of {$1600.00}. I even have an email on XX/XX/XXXX stating they were still working on the refund. I checked my account today and see an airline credit. This is unacceptable since they were the ones that cancelled my flight and I will literally never use their airline again. 
Why would Chase accept this on my behalf? Also, this is not what was agreed upon with Chase. Why advertise a helpful travel support center when they are completely useless? They transfer you a million times so you can re-explain your story and exhaust yourself. Then they put you on hold and never give a resolution. 
Here 's what I want : a refund for my trip that I had to cancel due to the airline 's negligence. That's all. Chase keeps telling me their hands are tied, but I've been waiting on a refund since XX/XX/XXXX.
Consumer complaint received 2022-10-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Consumer complaint received 2022-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Duvera Billing Services, LLC (CT)

My information was stolen years ago, and someone even filed taxes in my name. I am constantly getting notifications from XXXX bank that my social was found on the dark web. I have items on my credit report that do not belong to me and I am constantly disputing and getting nowhere. I am constantly asking for verification of documents that were used to open these accounts and have received nothing from the credit bureaus or the actual company, but things are being reported as verified. That does not help as my information was once stolen. I am stuck and have nowhere else to turn to for this and was given this information to reach out.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXX 

XXXX XXXX  XXXX XXXX credit systems XXXX Fig loans Ad XXXX XXXX XXXX
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (LA)

My FICO score went from XXXX to XXXX with Experian with no new negatives being reported from Experian or FICO. I contacted both agencies and no one could give me a reason for the drop. 

Also XX/XX/XXXX I filed a dispute Im regards to the number of days an account was reported late and it has yet to be resolved. This is the third time I have disputed this item.
Consumer complaint received 2022-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (NC)

I have been in contact with American First Finance regarding my account, which I have requested for them to send me an actual paper statement via USPS and I continue to be denied. I believe that since XX/XX/2021 until recent I have overpaid because I can no longer log into my online account and more importantly I have not received any statements in the mail.
Consumer complaint received 2022-05-16
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. (AK)

In accordance with the Fair Credit Reporting act XXXX XXXX Account Number : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-11-20
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. (NY)

On XX/XX/2019, I the dispute process with the XXXX  credit bureau, XXXX  and Experian regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor Experian but I had received a letter from XXXX, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to XXXX.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (KY)

On XX/XX/XXXX, we moved to another state and submitted a request to transfer title. The DMV faxed Bridgecrest Acceptance Coprporation ( subsidiary of XXXX  ) a request for title transfer on XX/XX/XXXX. I have made several phone calls to this company ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) and received conflicting information regarding the title transfer. Several representatives advised that the title transfer process would take 7- 10 business days, and that the request was in process. This was a lie. As of XX/XX/XXXX, I was told the process would take an additional 8 weeks to make a state title transfer, which means that the state will not receive the title until XX/XX/XXXX. Without the appropriate license plate, I can not legally drive the vehicle for the next 2 months. The company consistently fails to acknowledge customer concerns, and makes it hard for the consumer to transfer their business to another company. 

Bridgecrest Acceptance company is a subsidiary of XXXX, and XXXX that was investigated and charged with fines in XXXX for poor business practice. Please investigate Bridgecrest. Please also see the numerous XXXX  XXXX  XXXX  complaints filed against this company regarding title transfers, pay offs, and potential insurance fraud ( regarding accident insurance claims ) XXXX  : XXXX or XXXX  search bridgecrest  complaints XXXX
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NY)

XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX I was scammed by a person on XXXX who was claiming to be someone who I could by concert tickets from. I contacted Chase customer service to see if they could stop or cancel the transactions, but they said that they could not because the money had already gone through to the other person 's account because I sent it on XXXX. They gave me a different phone number to call, so on XX/XX/2021, I called this other number for Chase customer service and the woman I talked to helped me file a claim, but also told me that the only way for me to get my money back was for the individual to send it back. She told me that they would be in contact with their service provider and I would likely hear back in 5 business days. I told them that it was a scam and the person would not get back in touch with me. They gave me the phone number for reporting fraud, so I filed a report about fraud. I would just like my money back and I have tried reaching out and requesting the money back but I have not heard back from the scammer. Chase said in the event they could not refund me the money since I was the one who sent it. I sent this person a total of {$500.00}. It was in four separete transations. three of them went to the same email on XXXX and the last one went to a different email on XXXX.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: Ability Recovery Services, LLC (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

Dynamic Recovery Solutions reported a collections account to my file on XX/XX/XXXX. I do not recognize the name XXXX, the creditor listed. 

I sent a debt validation letter on XX/XX/XXXX, via certified mail, which was received on XX/XX/XXXX. USPS Tracking : XXXX Today is XX/XX/XXXX, and I have received no response. I am requesting that this item be removed from reporting to the credit bureaus, as I have received no proof that this debt is mine.
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.

The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount. 

On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call. 

Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX. 

I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.

Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?
Consumer complaint received 2021-10-27
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: ALLY FINANCIAL INC. (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-05-16
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. (OH)

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 ( A ) states that I have right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-07-16
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: WELLS FARGO & COMPANY (WA)

I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. Wells Fargo will not remove it
Consumer complaint received 2022-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is my 4th attempt at trying to rectify this matter with Experian. Either the credit bureau disputes specialists are blantanly disregarding the irrefutable facts of the inaccuracies on my credit report or thier E-Oscar system is auto denying my disputes in regards to this account. 

Someone from the CFPB please take a look at this screenshot from Experians webiste from today XXXX and as you can see this is grounds for deletion. 

How is the original balance owed {$1500.00}, but the balance being reported is {$1500.00}? 

This is INACCURATE REPORTING. This is 100 % irrefutable grounds for deletion. Factual reported data straight from Experian.com. 

Ive already contacted XXXX XXXX at my state attorneys general office to assist in this matter as well as Experian 's business ethics are in question at this point.
Consumer complaint received 2022-10-27
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}
Consumer complaint received 2022-05-16
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. (CA)

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX 15USC 1681 section 602A states I have a right to privacy 15USC 1681 section 604A section 2 states consumer reporting agency can not furnish an account without my written instruction and/or consent.
Consumer complaint received 2022-05-16
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. (CA)

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX  # XXXX -XXXX XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy 15USC 1681 section 604A section 2 states consumer reporting agency can not furnish an account without my written instruction and/or consent.