davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/XXXX, we returned the XXXX to XXXX XXXX XXXX XXXX ( XXXX ) ( dealer ) which we were leasing and in exchange for a new lease on a XXXX. We decided to seal the deal based on the dealer 's offer to terminate the lease on the XXXX without having to pay the remaining lease for 3 months. Hence, we were required to make only the {$1000.00} down payment for the XXXX. On XXXX XXXX, we got a call from Infiniti Financial Services ( IFS ) claiming that we still owe money on the XXXX. On XXXX XXXX, I talked to XXXX XXXX of the dealership saying she talked to XXXX of IFS who resolved the matter so there wo n't be anymore calleXXXX from IFS. However in XX/XX/XXXX and other letters I was getting End of Lease Liability Statement showing we owe the 3 months lease payment. I talked to XXXX of IFS and then to XXXX of XXXX and then XXXX of XXXX who have all assured me that the matter will be resolved. In XXXX, I emailed XXXX to help me with the agonizing predicament and XXXX XXXX XXXX, the General Manager said he would make sure that I get the assistance that I need. Then to my surprise, I got a collection letter from XXXX XXXX XXXX. Please help me. I feel being harrassed for something I do not owe. Thank you.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I closed my XXXXXXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXX XXXX  and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.
Consumer complaint received 2022-03-03
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. (NV)

On XX/XX/XXXX, Amazon charged my prime card through chase {$20.00}. Card ending in XXXX XX/XX/XXXX, I called can canceled the card ending in XXXX On XX/XX/XXXX, Amazon charged the XXXX card {$29.00} ( how does chase allow a charge to be made to a canceled card ) On XX/XX/XXXX, I called XXXX at XXXX and XXXX. I spoke to the representative about the wrongful charges made. He instructed me to call Amazon and have the charges refunded On XX/XX/XXXX. I called Amazon at XXXX. The times were XXXX and XXXX. I had to speak with them twice. Chase did not tell me initially it was two separate charges. 
XX/XX/XXXX. Amazon refunded both amounts ( XXXX & XXXX ) to my chase prime credit card. 
On XX/XX/XXXX, chase charged my XXXX XXXX checking account, ending in XXXX, {$72.00}. 
On XX/XX/XXXX. I contacted chase at XXXX, I was on the phone for 1hr and 4 minutes. I was hung up on and told I would be contacted by the security department. At XXXX I called again and was told the same thing XX/XX/XXXX. I called chase at XXXX, was on the phone for 22 minutes and once again told the security department would call me. I was abruptly hung up on I called again at XXXX, was hung up on within 2 minutes I once again called at XXXX. I spoke to several people from multiple departments. I was on the phone for 1 hour and 30 minutes. The wrongful charge to my XXXX have not been refunded because I did not file a fraudulent charge ( even though I told the gentlemen on XX/XX/XXXX that I was wrongfully charged by amazon ) I spoke to a supervisor that refused to help me. He said he filed a complaint and in fact did not. 
I did speak to a supervisor that was helpful and filed a complaint. The number is XXXX
Consumer complaint received 2022-03-03
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. (DE)

Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (NM)

I have never hear of commonwealth or XXXX  XXXX XXXX  that just popped up on my credit stating that I owed XXXX plus dollars. They never attempted to reach out by phone or mail.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$XXXX} XXXX XXXX Account Number : XXXX Balance : {$XXXX} XXXX  XXXX Account Number : XXXX Balance : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} XXXX XXXX Account Number : XXXX Balance : {$XXXX} XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Number : XXXX Balance : {$XXXX} XXXX XXXX  Account Number : XXXX Balance : {$XXXX}
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: OLD NATIONAL BANCORP (CA)

As a Victim of Identity theft. I have received Banks statement from many Banks. I had contact with those Banks and closed. The only Bank that I hve left to investigate and close is Old National Bank through XXXX but the Account wasn't able to closed. The address of the bank the the theft open under my name is XXXX XXXX XXXX XXXXXXXX IN XXXX .I called XXXX XXXX , The Bank Fraud Investigation , Her phone number is XXXX. 
Fax number is XXXX is XXXX. I had called the Banks many time to close the account. XXXX said because the natural of deposit she could not close the account. She asked if I ever had United state saving bond which presume the account can not be closed. On Friday XXXX, I received two form XXXX  sent from Old National Bank. The first Account number on XXXX is XXXX earned interest income is {$14000.00} and the second account number is XXXX earned {$15000.00}. Both for the Identity Theft used my Identity to these accounts and get interest income. It is Criminal and unlawful. Also, The Identity Theft open ONB Every day Checking account number is XXXXWith amount {$6000.00}. Please help me to close these accounts and adjust form XXXX that effect my Tax Return. Thanks for your help and support.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am unable to get all reports Experian XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as child support payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.
Consumer complaint received 2017-06-05
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)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company (CO)

Beginning in  XXXX   2017 ,  Freedom Mortgage increased my escrow/insurance amount by {$25.00} a month and did not adequately notify me. As I was not well informed, I continued to send a $  XXXX  monthly payment as normal. I thought all was well as the payment checks cleared my bank ( see attachments ). I received a notice of late payments and credit score c hange from  XXXX  at the end of  XXXX   2017 . Upon investigation, evidently, because the extra {$25.00} per month was not included in my pa yments, Freedom Mort gage moved my payments into a " non interest savings account '' and did not apply any of the payments to my loan. As you can see on the attached documentation, all payments were made on time and as agreed upon. In  XXXX , I contact ed Freedom Mortga ge and talked with a representative who instructed me to pay an additional {$110.00} to resolve the issue. In  XXXX , I received an other notice from Freedom Mortgage stating my payments were still not accurate. After speaking with three representatives and a supervisor from Freedom Mortgage, I finally have the payments correct as I have now learned of the escrow increase. I filed a dispute with  XXXX  over my credit score as  it has now dropped over  XXXX  points.   Freedom has denied all my requests and have denied any credit review or withdrawal of two 30 day late notices.
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I feel I was inadequately notified of the escrow increase and unfairly reported to the credit bureau as I was making payments on time and the amount agreed upon. I do not feel Freedom Mortgage has the right to withhold an entire payment as they have, causing me to be 30 days late for two months and ruining my credit score. I am a model consumer and pay all my bills on time. I feel this is a very unethical practice by Freedom Mortgage. I have researched several websites and have found several other people have reported Freedom Mortg  age as well and have had no resolve. It is my hope that there will be actions taken to protect good consumers such as myself.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

The topics for issues did not really apply to my issue. I am trying to request a Verification of Mortgage from my current mortgage company, Amerihome, as I am working on refinancing with another company. I began requesting this document on XX/XX/XXXX. I was given the option of how I would like to receive it and I requested email. I was told I would receive it in 24-48 hours. I called back on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I am on hold and passed around for XXXX hour phone calls. On two of the days I called multiple times. I have been told repeatedly I would receive the papers in 24-48 hours or up to 72 hours. I still have not received them. In the meantime several of these calls I was approached about doing my refinance thru their company as my other refinance has not finished yet- since I have not received the papers. Today I was told it would be sent today via fax to my loan agent, but still do not have the papers. Ive received different stories from almost every agent Ive spoken to. All I would like is the XXXX sent to me.
Consumer complaint received 2024-10-02
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: Experian Information Solutions Inc. (OR)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

Conserve appeared on my credit report with at absolutely no notification. Appeared outta nowhere. Never even heard bout them prior. No letters no bills. They refuse to acknowledge who they are and or any documentation that proves I owe something my signature or anything else. At first the amount was different ( {$900.00} ). The year it was supposed to come off my my report ( XX/XX/XXXX ) and it didnt display and end period. Now on my report still without any notification ( letters ) they changed it to a monthly bill, they changed the removal date to XX/XX/XXXX and now it's {$1200.00}. Who are these people? I never had an agreement with them. Never talked to them. No letters. nothing. How? When I disputed it I can bank updated and verified. How?? You never spoke to me?
Consumer complaint received 2022-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/22 I moved {$990.00} to my Venmo account in hopes to save money for a trip. later that day I tried to order food for myself on XXXX using my Venmo balance right after my account was frozen I received an email to submit my ID which I did and they unfroze my account the next day my account was frozen again for a technical issue in XXXX automatic process to freeze accounts the money in my Venmo account comes from the XXXX XXXX XXXX because Im 100 % XXXX from the XXXX XXXX I have call everyday since my account has been frozen and I receive no answers they are withholding all of the money I have left for the month for the past few days Ive been unable to get food for myself and my service dogs one of my animals suffered from a disease called XXXX and need medication on her food which Ive been unable to get for her causing her to become ill I have made Venmo aware that this is an emergency and they keep telling me their hands are tied I have to wait for a specialist to unfreeze my account I have reach out in every way possible to make them aware of my situation only to receive no answers what so ever I have a flight on XXXX that will have to be forfeited if I do not gain access to my money my bank is now overdrawn because of the mistake Venmo made this as been a very difficult process and Venmo has no answers this is completely egregious