davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX Additionally, these INQUIRIES are NOT AUTHORIZED, I have review my financial transactions and remember doing NO BUSINESS with these financial agencies : CERTIFIED - XX/XX/2022 XXXX XXXX - XX/XX/2022 Most, importantly, to avoid future possible fraudulent activities in my credit report please make sure that this is the only name XXXX XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX that should show in my credit report. Other personal information that reflects in my credit profile, you need to REMOVE it : These are MISPELLED Names in my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the ADDRESS that DO NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-10
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I made a purchase for the total of {$7000.00}. When I logged in to Check my account i saw I was charged TWICE. I called the store who assured me they only rang me up once and showed me proof. I then called the credit card company and they told me its a known issue and they are working on fixing it. Today is now XX/XX/XXXX and I still show a double charge. Each time I call they tell me there is nothing they can do and I have to wait. Am extremely upset to see a balance of {$14000.00} on my account due to being double charged.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (FL)

Few months ago I went to purchase a home and this company came up on my credit. I was not aware of this bill but i did recognize the address it was billing from. I contacted the company, they advised me of the charges. They stated it was {$520.00} for damages plus some other additional {$500.00} in " billing and collections ''. Until the day i called them, I had never heard of this bill, i never received this bill or a collection notice for that matter. I explained this to the agent XXXX who is incapable of understanding reasoning. I advised her I will take matters with my financial coaches and will get back to the company. I asked Agent Dont-Know-How-To-Do-Anything for  a copy of these notices. She instead insisted in reading the charges to me and asking for payment again. I decided to let it be and continue the investigation on my own. 2 months after that, just about two weeks ago. I call them again now with my financial assistant on the line. I am fortune enough to get Agent Dont-Know-How-To-Do-Anything. I ask for all the details. Copy of collection notice, address it was sent to, date the bill was made ; and nothing. She can not answer this for me. She refers me to XXXX who=. XXXX answered all these questions. This was a bill after moving out of an apartment for damages. I have yet to see this form but according to him, the move out date, the date of notice, the phone number AND the forwarding address are all not mine. He tells me " well its signed by you '' but never asked for signature verification or any form of verification for that matter. My financial adviser mentioned we had two options : Either try to settle and remove this account or dispute it. I tried to settle this account with XXXX but he insisted in not removing it. I advised him I will not be paying and will be escalating it. I look today at my credit report and they have decided to double the amount listed in the collection from the previous {$520.00} to now {$1000.00} with absolutely no explanation.
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COOLEY ENTERPRISES INC (TX)

Dealership did not sell vehicle for amount advertised on their website. I purchased a XXXX XXXX XXXX on XX/XX/XXXX for a total due of {$31000.00} which includes sales tax and title/registration fees. The Cash price of the vehicle listed is {$24000.00}. On XX/XX/XXXX, on the Clay Cooley website, the vehicle they sold me with the same VIN # is listed as {$17000.00}. I texted the sales rep XXXX XXXX XXXX about the discrepancy on XX/XX/XXXX and ask why the price had gone up by approximately {$7000.00}. He contacted me by phone on Monday XX/XX/XXXX and said that the advertised price on their website was a typo. He said they had a meeting about it and that the result of their investigation is that the amount on the website was a " typo ''. No other explanation given
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX  ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX  removed as my right to have accurate information reporting to my credit without changing multiple times a month.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by XXXX were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, XXXX reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but XXXX accounts still show. I submitted a XXXX dispute through XXXX to XXXX XX/XX/XXXX, and XXXX has yet again refused to update the status of my accounts. 

I called XXXX today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that XXXX would take XXXX years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Consumer complaint received 2021-08-15
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: EQUIFAX, INC. (TX)

I contacted Equifax on multiple occasions since XXXX, they have infringed on my consumer rights. Their harmful knowing negligence and knowing noncompliance of FCRA and FDCPA regulations have severely damaged my credit, defamed my character and violated my consumer rights. This has stressed me out and has caused me serious monetary damages. They willingly reported false and harmful information on my credit report. I have kept all records and correspondence between me and them. They inserted multiple false reporting without doing an investigation into these accounts. By federal law they can not report any such activities on my consumer report without first 100 % verification of accuracy of said accounts. Once I contacted them they came back and said these accounts were verified on several occasions. I asked how they were verified and whom verified them. I never received any return information. They then came back after proving through federal law that they had no right to make such inaccurate reports and removed these accounts. They were knowingly breaking federal consumer laws which governs them for financial gain from these false reports. I will also have a complaint file with my State Attorney General.
Consumer complaint received 2021-10-25
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. (IL)

i have 2 collections on my account that should not be there. i disputed it so many times with them and with you guys and nothing happens. they are still on my report. they were suppose to be deleted a long time ago. i tell them its fraud and the try to get me to settle for a payment when its fraud!! I want them to remove the collections off my account all three bureaus play a part in, Experian, XXXX, XXXX
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received a promotional offer from Bank of America in the mail. This offer promised $XXXX after satisfying the following conditions:1. Open a new Bank of America Advantage Banking account by XX/XX/2019 using the unique offer code (XXXX)2. Within 90 days of account opening, set up and receive qualifying direct deposits totaling $XXXX  or more into your new personal checking account.3. Once completed, the $XXXX  bonus will be deposited into my account within 60 days.I opened the checking account online on XX/XX/2019 using the unique offer code during the process. I had a direct deposit of $XXXX from my work payroll hit the account on XX/XX/2019, which is well within the 90-day time frame.I expected the bonus to post within a few weeks after XX/XX/2019, but it did not post. I contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who informed me the bonus should post but to wait the full 60-days after the qualifying direct deposit.Over the next few weeks, the bonus still did not post. I contacted Bank of America support via XXXX   again on XX/XX/2019. I spoke with XXXX, who verified with the Promotions Team that I was in fact targeted for the promotion and that a $XXXX qualifying direct deposit did post to my account on XX/XX/2019, which was within the 90-day window. He notified me that my concern would be forwarded to the Promotion Team and I should expect to hear back from them within approximately one month and that I would likely receive a check in the mail for the $XXXX.I received no further communication from Bank of America and never received a check in the mail. I again contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who was unable to give me a reasonable answer as to why the process was taking so long and why I had not received the bonus. He asked me to wait a bit longer for the Promotions Team to investigate the issue.I am not satisfied with support received thus far. The bonus should have posted a long time ago. The process does not need to be so complicated and require so much of my time.
Consumer complaint received 2019-03-12
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)

XXXX thru XXXX of XXXX XXXX XXXX XXXX XXXX state that my account was place in collections. This loan was paid off after trading in the vehicle in XXXX. How can I be in collections if the loan was paid off 2 years earlier.
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (CA)

On XXXX XXXX I visited XXXX XXXX XXXX in XXXX XXXX XXXX Ca to checkout a used 2018 XXXX in their stock. During negotiation, I Informed them I already had an auto loan approved through my credit union ( XXXX XXXX ) for {$44000.00}. They proceeded to ask me income, social security #, employment details as part of their standard application process and was assured that my credit would not be ran unless I decided to finance internally. I never signed anything and only placed my initials on a form confirming all my information was correct. After discussions with several managers we mentioned several times that I did not want to run my credit since I already have an approval and that I would prefer to look elsewhere. We left and did not proceed with purchasing the XXXX. Within a matter of hours I received emails and Information that my credit file was pulled although I never consented to this. I left messages for the manager and they have not returned my calls. This has negatively impacted my credit worthiness as it appears now that I have attempted to open loans with now both my credit union and XXXX XXXX XXXX. I am disputing this inquiry and would like it to be removed.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

Worked out an agreement with American Express to make payments on a balance and they told me they would not report the account to credit bureaus monthly as late payments during the payment agreement but they report as 180 days late for over a year when making payments as agreed.
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

1 ) XXXX XXXX XXXX Account # XXXX. 
2 ) XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ) Account # XXXX. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

Started the refinance process in XX/XX/XXXX and have provided every single document they have asked for along the way. It is now over 8 months later and we are still having difficulty getting the loan done. 
The company even sent us documents and told us the loan would fund on XX/XX/XXXX and advised us not to make the normal payment that month because it was already contemplated within the new loan ... they failed to fund the loan and then charged us a late fee penalty on the original mortgage. We have called 3 times and were told each time it would be reversed ... they have not reversed it yet. The last time we called about it, we specifically asked if there was an agency that we could talk to for help because we believed that what they were doing was unfair and unethical ... they would not give us the name of anyone to help. 
None of this process has been normal and no one should be treated this way. If they didn't want to do the re-fi, they should've said so from the beginning instead of wasting months and costing us more money in late fees that go directly to them!
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX my account was closed due to an error by unemployment and I had available remaining funds that was deposited into my account betweenXX/XX/XXXX from unemployment. I made few purchases and a withdrawal that day I had issues with chase prior with their online app banking and I filed varied complaints about not having access to my statements and how it goes blank that wasnt resolved at all. Finally on XX/XX/XXXX or XXXX I got a letter stating my account will be close if I dont show proper documentation of payments so I went to the nearest branch and spoke to a banking manager which they made a copy of both my statement and Id and still they closed my account do to error on unemployment who states the funds are mines if they dont release them either send it back to unemployment or give it back to me.
Consumer complaint received 2023-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.