davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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. (NY)

To Whom It May Concern, I am writing this letter in regards of my dispute charge with Chase Credit Card for the amount of {$420.00}. I had to dispute the charge because I could not get it back from travel agency from where I bought it. I had a flight to XXXX, XXXX on XX/XX/2020. I bought this ticket through the XXXX XXXX   XXXX online on XX/XX/2020. Due to Covid-19 pandemic, my flight was canceled by the XXXX ( XXXX XXXX ). I contacted XXXX on and/or around XXXX XXXX when the flight was canceled, but they told me to contact to the travel agency for a refund. The next day I contacted the travel agency XXXX. They told me that I will be entitled to a full refund since the airline is canceling the flight. I waited for more than 3 weeks and never received a penny from XXXX. Then I called my chase credit card and disputed the amount. The travel agency XXXX fought back my dispute by saying that my ticket was non-refundable. My credit card rebilled the amount back to me. Their response was that the ticket was non-refundable and non-exchangeable. The ticket was indeed non-refundable and non-exchangeable only in the event if I canceled the flight myself. In this case, the airline is canceling the flight due to the pandemic. Even the U.S. Department of Transportation says that : " In the following situations, passengers are entitled to a refund of the ticket price and/or associated fees. '' Canceled Flight A passenger is entitled to a refund if the airline canceled a flight, regardless of the reason, and the passenger chooses not to travel. 
Schedule Change/Significant Delay - A passenger is entitled to a refund if the airline made a significant schedule change and/or significantly delays a flight and the passenger chooses not to travel. 
It has been three months now and I did not get any money from the travel agency XXXX. In addition to this Chase is making me pay for the services that I never received. I ask for your assistance and help to protect my consumer rights during these financially challenging times. 

Regards, XXXX XXXX.
Consumer complaint received 2019-06-03
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. (GA)

Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
Consumer complaint received 2018-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am a XXXX XXXX XXXX XXXX XXXX. I am a gun owner. My personal bank, the Bank of America ( BoA ), is discriminating against me as a law abiding gun owner. 

Bank of America is using their enormous market power to discriminate against customers, like me, based on lawful firearm-related business activities.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I called Equifax and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the items immediately since they are ruining my credit.I also tried uploading supporting documents online but their system is more inadequate then their employees and always give me errors which I know to be incorrect.I contacted all XXXX credit bureau s in the same exact time and so far ONLY XXXX corrected the issues the XXXX and EQUIFAX seem to be helping the defrauders more than the victims.Shame on them!!!!
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX keeps refusing to remove the inaccurate information on my Credit Report on Transunion, they updated it on XXXX  but not Transunion
Consumer complaint received 2020-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage company has a forebearance program but how is one suppose to pay back a lump sum of 3 - 6 month of mortgage if one can not pay currently. I think Mr. Cooper is avaricous and very greedy - if people have owned for over 15 years or more why can't they forgive even a minimum of 3 months - I am not alone I know this for sure but a break would be beneficial for consumers. The finance institutions are not doing this and taking advantage of their position and consumers. Why do we have to have a late payment to qualify when we've been paying on time for the last 15 years or more. They are not complying with the government/President 's request to truly assist their customers. Thank you for listening
Consumer complaint received 2019-06-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (IN)

I have a car payment due on the XXXX of each month. Due to financial hadships last 1-2 years, my payment are typically 2-5 weeks late. This company tells me, that of my XXXX monthly payment, for every day im Late {$5.00} of my payment goes to Interest and not the principle. Also, I just made a payment of XXXX on XX/XX/XXXX, which took care of my XX/XX/XXXX payment. When I made the payment, they asked me again when I could take care of XX/XX/XXXX payment ( which was 13 days late ) I know told them, I could make the paymet on XX/XX/XXXX ( not the next payday, but two weeks after ) they said ok. This was just Friday XX/XX/XXXX, and they have called several times since. I just s/w a rep who didnt indicate her company, i had to ask who she was with. She then stated " can you make a payment today, i see you just made one friday, i see u have it done to pay XX/XX/XXXX '' I  told her, yes, i just made a payment XX/XX/XXXX for XX/XX/XXXX, and i told them i would pay XX/XX/XXXX payment on XX/XX/XXXX. The rep stated " well we need a plan set up '' the PLAN was set up on XX/XX/XXXX when i told her i would pay XX/XX/XXXX. As long as the payment is made before the XX/XX/XXXX of the next months, they can not take the call. She confirmed this, so me setting up the XX/XX/XXXX should be fine, but she kept stating " you need to set  something up '' I have made payments the past XXXX months like this, never had a rep call and even though they have a documented payment coming up, never had a rep call and demand a payment before that. This company is horrible. Consumer Portfolio Service Inc. is there name.
Consumer complaint received 2019-06-03
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days.
Consumer complaint received 2020-08-22
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: Fidelity National Information Services, Inc. (FNIS) (WA)

please see previous complaint. I sent over the police report and FTC report and now they still say it is not sufficient to say that im a victim of identity theft. They refuse to delete the inaccurate information. They are not following the law and are reporting someone else 's social security number on my Chex systems report. Now they want me to file another police report and also a NEW FTC report but the FTC report needs to be signed by a law enforcement officer also. So they advised me to go back to the police department and file another police report but this time make sure that I say that the account in questions which is XXXX that was opened in XXXX because the police report I have is dated for identity theft and I reported it in XXXX. Thats when I found out I was a victim of identity theft was in XXXX not XXXX till Chexsystems advised me of that supposedly. So they want me to also file another FTC report and that FTC report HAS TO BE SIGNED BY A LAW ENFORCEMENT OFFICER. I told them that I did not think that a law enforcement officer would want to sign my FTC report because they did not write it up, I did that myself, and the police officer would only want to sign what he writes if what im thinking which makes sense. I would not want to sign anything I did not write. This is crazy, not fair my consumer protection rights are not being followed and they are violating the law of reporting false information on my chex systems report which clearly is someone else 's social security number. I want chex systems to provide me with a copy of the Social Security card that XXXX used to have this account opened so that I can see if that is my matching social security number which I know is not but I want to see if the bank followed the rules of making copies of what was used to open this account.
Consumer complaint received 2020-07-10
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!
Consumer complaint received 2018-07-01
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. (PA)

Hello Im happy to be a american today. Im not knowable about credit. I went to check my credit and noticed multiple inquiries that I dont recognize. I contacted the companies they said the i must contact each person and I did from the inquiry information on my report. They said there is nothing I can do. I told them could this effect my citizenship a few said yes. So I said how can I remove this and proof it wasnt me. They said I might have to get deported. I dont understand why I didnt do this. I XXXX and found your company. Can you please help remove this information from my report. I didnt apply for any of this credit inquiries. I have multiple. Please help me. Verify a signature and photo of person who did this please.

XXXX   XXXX  TransUnion XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Auto Financing Companies XX/XX/XXXX Yes XXXX XXXX XXXX Credit Unions XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX  Yes XXXX Mortgage Reporters XX/XX/XXXX Yes Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX Auto Financing Companies XX/XX/XXXX Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes XXXX XXXX   XXXX XX/XX/XXXX Yes Yes XXXX XXXX XXXX. 
All Banks - non specific XX/XX/XXXX Yes XXXX  Mortgage Reporters XX/XX/XXXX  Yes Yes Yes XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Yes XXXX XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Automotive XX/XX/XXXX Yes Yes XXXX/XXXX XXXX Credit Card Processors XX/XX/XXXX  Yes XXXX Banks and S & Ls XX/XX/XXXX Yes Yes XXXX XXXX Auto Financing XX/XX/XXXX Yes Yes XXXX  Finance, personal XX/XX/XXXX Yes XXXX XXXX Finance, personal XX/XX/XXXX Yes XXXX XXXX XXXX Automotive XX/XX/XXXX Yes
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (AZ)

A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee.
Consumer complaint received 2023-02-07
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: National Credit Adjusters, LLC (MA)

Fraud alert on account, disputed, Report number XXXX national credit adjust acct # XXXX {$750.00} loan by phone, this account is not mine, not authorized, fraudulent charge, not authorized, fraud charge, doesnt belong to me
Consumer complaint received 2020-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I called on XX/XX/2020 to try get information on how setup automatic payment through my bank to pay once a week. I asked them for the routing and account number so I could give to my bank called twice first person hung the phone up on and second person made it seem like he couldnt locate the information called in a professional manner. I asked for supervisor because did not feel comfortable with my XXXX with previous experiences with Nissan.
Consumer complaint received 2019-06-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Complete Credit Solutions, Inc. (NJ)

XXXX from extension XXXX called on XX/XX/19 to collect on a payment arrangement I have. He called my place of employment after being told I can not receive calls there he called my parents home and let the phone ring for 15 minutes straight multiple times during that day. He also called my cell phone which I gave permission to call however he disguised His number as my employers number so I would pick up during work hours. He also left messages with the same disguised number throughout the day. XXXX is unprofessional and harassing. I have had a good experience with Complete credit solutions inc up to this point. XXXX has always been helpful however XXXX does not represent the company in a good light and should possibly choose another career path.
Consumer complaint received 2019-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (AL)

This is a collection that was paid on XX/XX/19. This debt was already settled with the creditor and has been removed from XXXX and XXXX credit report. I have the letter from the credit sent in the mail stating account was settled/paid.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This incorrect late payment on my account is causing me considerable pain, especially given my accurate payment history. I would like you to correct this error immediately by removing it from my account as it does not accurately reflect my payment habits.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

I was alerted by my credit bureau XXXX that my credit score dropped 40 points. Found an account that was not mine and disputed it. Contacted the company AcimaCredit and because my phone number didn't list up to any account, they would not give me any information regarding the account that they placed on my credit report. I was not able to cancel the credit line, get the phone number or address of where the items were delivered to since this is an online store. 

I have filed a police report in XXXX County where I live on XX/XX/2021 and was given police report number XXXX. 

account name : ACIMA CREDIT XXXX  XXXX  also known as : ACIMA CREDIT XXXX XXXX account # XXXX account type : Lease Responsibility : Individual Date opened : XX/XX/2021 Status : Open {$510.00} past due as of XXXX 2021 Balance : {$2400.00} Original balance : {$2200.00}
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

very simple. I had no balance with the company. They reached out to me with a 0 % interest offer for 12 months, maybe more, with a low balance transfer fee. I moved one balance without a problem. They solicited me again with same offer. I moved another balance. Next thing I know I get a statement and I'm paying interest. 

I had no intention of moving a balance to this account for the purpose of paying interest. This was bait and switch. I immediately paid the account off and closed it. These people are scum, they've done this to consumers before, and they're doing it again.