davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (CO)

This is concerning a dispute original filed in XXXX, and continued throughout XXXX into early XXXX, throughout which period I provided numerous supporting details and corresponded extensively with Chase Bank before they ceased responding. 

On XX/XX/XXXX I was charged {$1000.00} to my Chase credit card by a mechanic who DID NOT perform any repairs on my car as a " release fee '' ( he had quoted {$120.00} ) for my vehicle. He also charged {$1300.00} to the other card he'd taken on file, which XXXX XXXX promptly refunded when disputed. However, Chase bank has maintained for 2.5 years now that since I provided the mechanic with my card, I thereby " authorized '' him to charge me the {$1000.00}. 

His charge was illegal. He did not provide me with a quote for this amount, as required by Ohio law. He did not perform any repairs. He also illegaly refused to release my car, forcing me to call police multiple times, and file several reports that he apparently " smoothed over with his friends at the office '' ( direct quote ). 

This is illegal. Chase Bank is a disgrace. I am requesting {$2500.00} compensation for the abuse and wasted time I've endured.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

It shows on the credit report that I bought a property at XXXX XXXX XXXX XXXX, and lien with XXXX # XXXX satisfied. Min Net Proceeds {$150000.00}. This is fake.
Consumer complaint received 2020-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Capital One Credit Card was the billing option I listed for my 2019 Car Insurance with XXXX - Northeast. I cancelled this insurance in XXXX of 2019, however the company has continued to bill me - I've called, email, mailed them, etc. seperately. 

I have individually disputed {$790.00} worth of credit card charges made from XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have emailed Capital One, attempted to call, and reached out through the web portal. I have received no response to my disputes OR to my other attempts to contact, despite Capital One taking the time to send me repeated bills, attempt to charge my interest and late fees, and report me to the credit burue. 

This is my last attempt at contact before hiring an attorney and seeking damages.
Consumer complaint received 2022-09-12
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-31
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (CA)

I filed for bankruptcy on XX/XX/18, I was told not to pay XXXX XXXX auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with XXXX XXXX. I never received any documentation or information from XXXX XXXX bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called XXXX XXXX to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received
Consumer complaint received 2018-02-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I need to refinance my home to cash out and pay some loans. I was asked to do an appraisal which I did and was told everything shout be fine. this started in XX/XX/2017. I provided them with all the documented required for refinancing. the appraiser came to my home but did a drive-by. today they lady called me and said that they won't go forward with the refinance and didn't explain to me why i very disappointed in navy. with the way, I was dealt with my case
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Stewart Information Services (CA)

In the process of refinancing a real estate loan on my property, and Stewart title is erroneous inaccurately reporting incorrect public information on me stating that I have a child support judgement that is not even my name. Fortunately, I'm NOT some random XXXX who did/does NOT know who his father is/was ( XXXX XXXX XXXX ), nor have I ever been married, or had children, or been to ANY XXXX child support court! Nor am I a XXXX ( XXXX XXXX XXXX ), nor should I have, or ever been associated with some random person by the name of XXXX XXXX XXXX. There is NOTHING that is relative to my property, or address that has EVER been in the name, or related to anybody named XXXX XXXX XXXX. This is some random XXXX motivated negligent inaccurate XXXX  XXXX   XXXX, that ALL XXXX are alike!!!
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IN)

In XXXX, we had an insurance claim on our home and when the insurance company ( XXXX  XXXX XXXX ) settled we found that bank they placed was the incorrect mortgage holder, so as we had to enter Ch XXXX bankruptcy due to fraud paperwork, signatures and embezzlement, we were forced to put the supposed bank that was sending the proof of claims to the trustee and our lawyer which was XXXX Investors. But we then were forced to send the check in good faith in late XXXX to a bank called Shellpoint, which we understood doing the debt for XXXX, so that we could have the bank sign off so that we could repair our home and get the other part of the claim money as well. The total claim was for around XXXX, but we only received like XXXX, until work was completed. In late XXXX we filed a demand order to ask why check had not been returned, and in XX/XX/XXXX, had a hearing in Bankruptcy Court and judge demanded check be found and send to us ASAP. The bank then asked for the rights to have check reissued again through the court system and the judge granted and this was done about a week after hearing in XXXX. To date we have yet to see that check and for the most part, Shellpoint has frauded the paperwork that was entered into a foreclosure complaint in early XXXX. We would really like the check forwarded to us as they were asked in XXXX and would be nice if they would forward original mortgage in which they say we are a part of, because those signatures on that so called mortgage is not our signatures.
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. I have reported these unauthorized accounts through identitytheft.gov, and the associated banks, unable to provide records, have confirmed the validity of the identity theft report and committed to their immediate removal. XXXX XXXX XXXX
Consumer complaint received 2020-04-30
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: CITIBANK, N.A. (CA)

I took a trip to XXXX back in XXXX of XXXX, five unauthorized charges occurred while I was on the trip which I disputed ; dispute results came back with no satisfactory explanation of why they were rejects. 
Following are the transactions detail and dispute results : 1 ) XX/XX/XXXX {$1800.00} XXXX IN  XXXX XXXX XXXX unauthorized fraudulent charge During the visit, merchant had requested my credit card to be held for security reason, I assumed since its a restaurant bar, they wanted to make sure that the bill will be paid, therefore, I was ok with the hold. This charge was paid by a group of us in cash at the end of the night, but the merchant still charged my credit card. 
On XX/XX/XXXX, I disputed the charge, Citi completed the investigation on XX/XX/XXXX with the following statement After reviewing your dispute and the information you provided, were unable to resolve the dispute in your favor. I have never heard of a dispute like this that is so obviously fraud, yet Citi resolved in merchants favor! No further explanation from Citi as why this was rejected. 
2 ) XX/XX/XXXX XXXX identical charges of {$160.00} XXXX  unauthorized fraudulent charges On XX/XX/XXXX, I disputed the charges, Citi completed the investigation on XX/XX/XXXX with the conclusion of resolved in merchants favor. Citi rejected the dispute based upon four identical charge amounts of receipts provided by the merchant four receipts that have four different scribble signatures which none of them match my signature! It is absurd to learn that Citi would trust this kind of evidence presented by the merchant to damage its customers.
Consumer complaint received 2020-04-30
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: AMERICAN EXPRESS COMPANY (NY)

I purchased 2 sets of tickets but I was refused at the venue, the tickets I legitimately purchased did not work and cost me my travel fees and other charges, including the cost of the tickets.
Consumer complaint received 2024-01-31
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2021-02-28
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: EQUIFAX, INC. (TN)

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 ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX TN ) Acct # XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) Acct # XXXX .... XXXX Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-02-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

My loan was paid in full XXXX I have a letter from the company and a certified check to prove that, I went to the county clerks office XXXX and was told they have not submitted anything they are still listed as a lien holder. I contacted the company they told me there was an error on the paperwork and it was sent back and they would send it to another department to work on it ..i told them if what they were saying was true then why does the clerks office have no record of it and why have they not attempted to contact me, she didn't know and could not tell me what the error was. I told her it's been almost 4 and a half months and they have not removed their name off my deed I should not have to wait for someone to maybe get to it this is well over a 90 day time frame.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I currently have to pay PMI on my loan. However, per my origination and loan documents I can request removal of PMI once I reach the 80 % loan to value threshold either on XX/XX/2020 based on payment schedule or when I actually reach the threshold based on actual payments. 

Otherwise my PMI will disappear at 78 % loan to value. My loan servicer is refusing to remove my PMI until I get to 78 %, even though my loan documents state I can request removal at 80 %. They continuously inform me they ned to research and will get back to me. They don't get back to me, and when I call again ( 5 times now ) they start a new investigation and tell me the 78 % rule. Even though I have submitted my loan documentation which is contract.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I  check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.
Consumer complaint received 2020-04-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

Experian removed my XXXX XXXX account from their account with out my authorization, I did not tell them too and neither did XXXX XXXX I called both parties and no one seems to know why they removed my account? I need my credit showing back in the Experian report asap
Consumer complaint received 2018-03-08
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: FC HoldCo LLC (HI)

On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (WI)

In XX/XX/XXXX, I was paid up on my Toyota Financial lease to XX/XX/XXXX, so I " shut off '' the automatic payments on their website. I went back into their system in XXXX to turn it back on but the system failed. I made the payment in XX/XX/XXXX when I saw the system didn't work to make my payment. I turned the auto payment on again in XXXX and it again didn't work. I made 3 payments in XXXX, along with speaking to an agent who confirmed there seemed to be technical issues and I would not have late payment markers. I close the account in XX/XX/XXXX as I bought a new vehicle. However, AFTER THE ACCOUNT WAS CLOSED, Toyota Financial added the late payment markers for two months onto my account. I again called Toyota who said that their payment system showed " odd '' automatic payment system entries from XXXX to XX/XX/XXXX. The customer service and retention reps agreed with me that there should not be late markers because the system did not appear to be operating correctly. However, the credit review team will not speak with me and will not change the late markers, which is impacting my credit as I try to refinance my home. I filed a complaint with XXXX XXXX as well, but was told that due to Covid-19, their review teams are not working and their website is not working either to follow up on my complaint. I am contesting that it was Toyota 's auto payment system that caused the two late payments in the Fall of XXXX, that Toyota told me at the time and during my complaint that these late markers should not have been applied, and Toyota retroactively added the markers only after I closed their account.
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX XXXX and Chapter 7 Bankruptcy XXXX