davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

PLEASE DELETE THE FOLLOWING ACCOUNTS AND INQUIRIES ; 1. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There Should be no late payments on this account JPMCB AUTO Account Number : XXXX Please send proof of missed payment, otherwise remove 30 days late from my Late Payment Status 3. Pursuant to 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I did not initiate nor authorize this agency to obtain my report. It was not a firm offer of credit or insurance. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2020-09-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is a continuous problem from cfpb # XXXX dating back to XX/XX/XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor Bank of America, nor have I received any information. Bank of America chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer BOA the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement BOA took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " XXXX '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered deafness and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

as of this date, i have not recieved any documentation or evidence validating the existence or legitimacy of this debt, i am foremally requesting that you provide me with full documentation to substaiate this claim 15usc1692f
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A previous report was filed because XXXX XXXX refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
Consumer complaint received 2018-11-23
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. (VA)

I called Transunion XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CA)

On Friday, XX/XX/2022 I went to the Chase branch on XXXX in XXXX, CA to apply for the Chase Sapphire XXXX Credit Card. I had an appointment to meet with a banker, as I learned that if I applied in person, the bank would waive the first year fee. The banker was very helpful, walked me through all the signatures needed, and confirmed the rewards profile on the card that I applied for. 

After returning home that day, I logged onto my mobile banking app and immediately noticed the card featured was the free XXXX card which I had no interest in applying for. I immediately spoke with the bank. The banker spoke to her manager, and offered me two options : either close this account and apply for the new card, or apply for the additional, correct card. They reported it was impossible to simply switch the cards over. I asked for the documents, to ensure that I had signed up for the correct card ( perhaps the mistake was mine ). On XX/XX/XXXX, The banker said she would find a way to get me the documents ; I still am waiting for these ( 3 months later ). 

I have filed a complaint with the escalations department shortly after. The banker reportedly sent her email to the escalations department on XX/XX/XXXX, however after talking to the escalations department representative on XX/XX/XXXX she requested another form from the banker and her manager. I left multiple voicemails to the banker requesting an update. I emailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for an update ; the only response was on XX/XX/XXXX, reporting she would reach out the escalations department. I still have never heard back. 

I am growing increasingly frustrated with the breach of contract on the bank 's behalf. As I said before ; I requested documents to ensure that I did not sign any documents erroneously- but the banker has not assisted me, and is now ignoring my requests. The bank is also inherently difficult to reach to even speak to a manager. My request is simple - I would like to have my XXXX card switched to the card I signed a contract for- with the initial spending reward reset.
Consumer complaint received 2018-11-23
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)

I have notified all three credit reporting agencies of three accounts listed on my credit report that are not mine. I also let them know I am a victim of identity theft and that the creditors are unable to validate the accounts as belonging to me when I called each company. I also notified them that I filed a report with identitytheft.gov and that I would be filing a complaint with you. I have notified them of this twice and they have failed to comply with section 605B of the FCRA. I have attached the letters and attachments I have sent to each twice. The most recent being XX/XX/18.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I sent a wire transfer {$1400.00} to a scammer and I did not know beforehand on XX/XX/XXXX at Wells Fargo bank. The scammer name is XXXX XXXX XXXX and she has an account at Wells Fargo as well. I have contacted the police department with a case number. Unfortunately, they said its up to the bank decision. I understand that once a wire transfer sent then it would not be possible to recall. The policy said the scammer has to accept the recall and I think this is not reasonable. It is a similar situation like when someone trying to rob me and took my wallet. And I have to get their permission to get it back. Do you think this is reasonable? Thank you.
Consumer complaint received 2022-07-26
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

This collection company, rmp Services llc have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I have been unaware of said debt until recently checking credit reports. I have had no communication with this company nor have I received any services from this company for the company to allege that I owe them this debt. This company has failed to provide proof of services they have rendered to me. Please remove debt from any and all credit reporting agencies.
Consumer complaint received 2021-04-12
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. (MO)

Hi, There is a few hard inquiries on my Transunion report that I didn't authorize. 
The banks and Transunion refused to cooperate to remove the hard inquiries. 
XXXX  and XXXX  helped me with these issues and have removed all the fraudulent hard inquiries. 
I would like to remove these inquiries : XXXX XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 XXXX - XX/XX/2020 Thank you, XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. (NY)

I have been banking with Citibank close to 28 years. I have basic needs as a consumer and Citibank met my needs. Last year, I opened a few Certificates of Deposit for $ XXXX each with different maturities, yielding close to 5 % interest per annum, with no penalty for early redemption. This year in XXXX, XXXX of those CDs were renewed at half the interest rate and the new terms have penalty for early redemption. After contacting my Citibank advisor that I do not wish to keep these CDs at the revised terms. She told me that there is nothing she can do about the renewal ; there will be penalty if I were to terminate the account prior to maturity as these terms were in the fine print. 

I'm appalled. 

Just imagine if a landlord were to auto renew a tenant 's rental agreement ( living on month to month lease ) for another year at twice the rent with penalty clause to terminate the lease before the term. 

I'm unable to upload the documents right now but will find the CD contracts issued by the Citibank last year.
Consumer complaint received 2018-11-23
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

In XX/XX/XXXX & XX/XX/XXXX prior to doing a voluntary repo for my XXXX XXXX XXXX, I had several telephone conversations with XXXX XXXX department discussing the pros & cons in returning my car. 

I was told this return would be listed as a voluntary as long as I return the car to a local Nissan dealer, also incurring NO additional charges or fees. And any balance due would be written off as a loss. 

Nissan is reporting this on my credit bureaus as a charge-off ... not a voluntary repo/ loss which affects my credit tremendously. I have a decent score ... but each month the supposedly balance written off as a loss is showing as a charge-off monthly. 

I currently will be homeless in 3 weeks because no one will accept my credit showing a charge-off. 

Nissan refuses to list my voluntary repo as so or as a total loss written off. I have submitted several disputes with the credit bureaus & Nissan refuses to remove the wording Charge Off. 

Can you please help me to have them correct the reporting issue? 

They have refused so far.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION (FL)

I used EnerBankUSA to provide credit for a home improvement project. The loan amount is {$5400.00} with 7.99 % interest. They have charged a minimum payment of $ XXXX and are now claiming that entire payment has gone to interest. 

Daily amortization on that amount is approximately {$1.00} per day totaling {$36.00} per month. Unless they are changing the loan terms and not producing it on the statement their math is incorrect and they are enacting fraudulent charges.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

On XX/XX/year> I faxed a debt validation to this company and never received a response. Since it has been more than 30 days, I'm requesting this alleged debt ( account ) be deleted from my credit report and all collection activities stop. In addition to filing a complaint here, I've also faxed the attached documents to the company again and provided a fax confirmation receipt dated for today XX/XX/year>.
Consumer complaint received 2024-05-31
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (TX)

I closed my Discover card on XX/XX/XXXX But the are still charging me interest. 
The interest is almost as much as the payment. 
I paid {$78.00} in XX/XX/XXXX and was charged {$61.00} in interest.
Consumer complaint received 2022-02-15
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. (TX)

DELETE ALL UNAUTHORIZED INQUIRIES Below Please New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX  XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX New Inquiry - XXXX XXXXXX/XX/XXXX New Inquiry - XXXX XX/XX/XXXX Inquiry - New Inquiry - XXXX XX/XX/XXXX XXXX