davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2018, my Chase bank account was charged for {$150.00} from XXXX XXXX XXXX, because I had put my debit card on file for my brother in law to receive auto insurance from XXXX. On XX/XX/2018, I had contacted XXXX about this, stating that he was supposed to remove my card from the policy and replace it with his, in which the representative promptly removed my card from the policy and advised that I contact my financial institution to file a dispute, so that I would receive that money back. I contacted Chase, had filed a dispute, and received a temporary credit. On XX/XX/2018, the credit was removed. Upon contacting Chase Bank and speaking with their XXXX Department, I was advised to contact XXXX, because they had sent a request for the funds to be returned, but had not gotten a response. I contacted XXXX, in which they informed me that they had not gotten a response. I contacted XXXX and Chase Bank several times, back and forth, getting different responses ranging from we haven't gotten a response from XXXX XXXX XXXX has denied your claim, based on the fact that you authorized automatic withdraws on your debit card, in which I had not taken off before the transaction started. When I filed the dispute on XX/XX/2018, which wasn't processed until XX/XX/2018, I was advised that everything would be taken care of, and that I would be contacted if any questions were to be asked. Chase Bank has last stated to me that, since the transaction processed, that XXXX XXXX XXXX would have to be the one that has to issue a refund back to me, but will not, because they're telling me that I have to file another dispute with Chase bank.
Consumer complaint received 2020-10-13
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. (CA)

I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995with no late payments ever. So I sought to understand how this transpired. 1. I received a new card with changed t
erms and XXXX disabled my auto pay. 
2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. XXXX processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call. 
6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other XXXX-not the account in question. XXXX authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 
8. So here I am with a 30 day past due on my credit report due to no fault of my own as XXXX disabled my autopay, processed payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report. 
9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.
Consumer complaint received 2023-01-09
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)

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX  6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX ( 2 year payment history ), and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$2200.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2020-10-13
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. (NY)

I was looking over my credit report i noticed i had a lot of inquiries and i called the credit bureau and was told that couldn't help me and I have to contact the company 's and they have given me numbers that don't work it's not right and after doing more research I found out my social security and information is on the web
Consumer complaint received 2023-01-29
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: Experian Information Solutions Inc. (FL)

I am interested in disputing all incorrect information on my credit report with experian. this is hindering my file. all information on all 3 credit reports are not 100 % accurate. please update the information submitted correctly asap.
Consumer complaint received 2018-09-25
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: LEXISNEXIS (SC)

have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly.

According to 605B, this account should be removed
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NH)

I have a account at Comenity Bank and I have made all my payments on time I have paid ten payments in eight months and I have even paid more than my minimum payment many times.

And they have charged me outrageous fees. Late fees and finance charges over two hundred dollars which I refuse to pay. The people I have spoken with are less than professional and they Demand that I am always late with payments. My payments are due the 27th of the month I pay My payments on the first few days of the month every month. They charged me late fees on the first day of the month with my first payment. I have sent messages to them through their secure Message system many many times with no reply. I have sent a written letter to them addresses to the Bank Manager no reply. I am only making my payment of {$100.00} per month until I can find another bank t
o finance this loan. I am on a fixed income and have limited money each month. To find financing is difficult because of my income. I have never had this problem in my life with any Bank or any Finance Company because I always pay my bills and on time. I tried to explain to them that my payments are early very early not late, and they said no that I was always late. I wonder if other people are having this same problem with this Bank? I no longer have access to my account there it has timed out and I am unable to access it. 
Thank You for any help you can offer in this matter. How will you know how to get in touch with me?
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

When my loans were transferred from XXXX to Mohela, for some reason, I lost an already-approved payment. Under XXXX, I had XXXX eligible payments, with XXXX qualifying payments remaining. Under Mohela I have XXXX qualifying payments remaining. 

Further, while I submitted documentation for the XXXX XXXX program to both XXXX and Mohela - Mohela still has not processed the submissions. Further, XXXX refused to provide credit for working as a XXXX XXXX XXXX, and I often had to triple-submit information for them to finally read it, process it, and provide credit for my XXXX  XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (CA)

I paid the car note on XX/XX/2021 {$470.00} then I waited 4 days until the payment was cleared then payment was cleared not this finance company is saying they did not receive the payment that I was returned I feel they got the payment but is trying to collect an additional payment from me because this happens so often as if I don't keep up with the car notes I pay to them this needs to be investigated thoroughly been having a lot of issues with this company Ally Financial.
Consumer complaint received 2021-03-30
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: Continental Services Group, Inc. d/b/a ConServe (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-09-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (WA)

I received a letter dated XXXX XXXX, XXXX from Commonwealth Financial services ( letter attached ) requesting to pay an amount of {$810.00} for XXXX XXXX XXXX ( Ambulance Fees ) date of service XXXX XXXX, XXXX, and in their letter they asked me to respond to them within 30 days if I am going to dispute this or admit to it, but on XX/XX/XXXX just for days after they have sent the letter they have reported it as a collection on my credit and this has affected my credit a lot. I have reported a dispute to 2 of the agencies and sent this company a letter of investigation. ( documents attached ). 
This company did not wait for the 30 days to get my respond before reporting it as a collection that caused damage to my credit. 
This fee was for an ambulance ride for about a mile distance from the hospital as I XXXX my leg in a park and my kids called for help, at that time I had XXXX XXXX  XXXX  that covered all treatments and should have covered this ride, and in XXXX I received a call from them or some one represent them and I gave them the Insurance details and did not hear back from them again until now. 
I had medical insurance that covers this and I have provided them with the information at that time, and they could have contacted me directly if they had any issues with it, but after 3 years I find out it has been sent to collection. 
I still insist that this bill was covered under my insurance at that time.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from XXXX XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Lending Club Corp (CA)

1. Initiated international wire transfer to a brokerage account overseas on XX/XX/2021 2. Duly filled all necessary documentation with XXXX XXXX ( now aka Lending Club ) 3. I received the docusign, verified by the bank, stating {$3100.00} was wired to XXXX XXXX XXXX XXXX in XXXX and XXXX, XX/XX/2021. I paid the wire transfer fee of {$40.00}. 
4. I transmitted the docusign as receipt to my beneficiary : XXXX XXXXXXXX XXXX XXXX ( XXXX ) 5. After about one week I enquired of XXXX why my trading account had not been credited. I was informed by XXXX that their bank ( XXXX XXXX 's ) had not received the funds. 
6. I contacted XXXXXXXX XXXX severally after this, by online chat and by phone : a ) They acknowledged the funds had been withdrawn from my checking account b ) The bank assured me the wire had been successfully sent. 
7. The beneficiary requested for a form -- XXXX XXXXXXXX - so they could pass to their bank for further investigation. 
8. I have requested the said form from XXXX XXXX for several weeks now but the story is the same : they will email it to me. 
9. lately, XXXX XXXX  seems to dismiss my status update request with : when we have more information we'll contact you. 

Now, I just want to know 1 ) Was the wire sent? 2 ) can I have the XXXX form. 

Note : I have successfully used this bank ( XXXX ) on more than 7 occasions in the past, funding my trading account at this same broker via same bank ( XXXX XXXX XXXX ). 

XXXX/lendingClub should be aware that my trading account has suffered due to this delay.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC (GA)

My first name is XXXX, I am part of the class action lawsuit against Global Client Solutions for Processing Illegal Debt-Settlement Fees I was their client in XXXX XXXX, New Jersey, I got a mailer from the company to use their service for Credit Card Debt. I paid {$300.00} each month and was told to stop paying my credit card bills. My ex husband did the same thing with the same company, around the same time and was award a refund for this class action. 

I 'm trying to find out how I can claim my share of the settlement. I paid a total of around {$3000.00} and learned my debt was not paid off. 

I 've since moved to XXXX and have had no correspondance. Please let me know how I can find out if I can receive part of the settlement and what documentation I need to provide. Thank you.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I had gone to mail & the bank continued to let chargers go through my checking account on 2 desperate occasions. I didnt sign up for overdraft protection so the charges shouldnt have gone through but they still did.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

15 U.S.C 1681n civil liability for willful non-compliance with these accounts 15 U.S.C 1681o civil liability for negligence non-compliance with these accounts 15 U.S.C 1681e compliance procedures with these accounts 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 FCRA section 604 ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of.

15 U.S.C 1681S-2 Inaccurate reporting by all these companies listed below 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
Consumer complaint received 2020-10-13
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. (MO)

The following account has misrepresented my credit file and worthiness for years now. However, it was rightfully removed in XXXX, but reappeared in XXXX without warning as promised by the FCRA. Dates and amount unconfirmed. Never received any physical documentation as previously and many times over requested. This account has been paid ( 1099 c ) meaning there's no debt owed. Nor has my request for the Method of Verification into this matter been met. Keeping in mind as a general rule electronic Verification can not be suffice in such manner. Please remove and permanently block this over aged unauthorized account ( XXXX XXXX ) from my credit file immediately. Your cooperation is appreciated.

1. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
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. (MA)

I have disputed the below account with Experian Credit agency. The below listed account was opened fraudulently. I submitted both an FTC report and Police report for the account and Experian refuses to remove it.