davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

WITHOUT MY WRITTEN CONSENT, LexisNexis and XXXX XXXX XXXX has UNLAWFULLY shared personal information pertaining to my credit and have violated Federal Law as well as the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, 15 United States Code 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Lexis-Nexis Risk Solutions have not abided by these reasonable procedures. I have repeatedly instructed them to discontinue violating my privacy and they have failed to abide by their lawful agreement and ensure the fairness of me as the consumer. IT IS MY RIGHT to OPT OUT of their reporting of my information and their LAWFUL DUTY to discontinue reporting it. 15 United States Code 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' LexisNexis is a financial institution by definition under that title. 15 USC 1681 section 604 ( 2 ) also states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As it relates to Lexis-Nexis Risk Solutions, I NOW REVOKE ALL WRITTEN, VERBAL, NON-VERBAL, ASSUMED and UN-ASSUMED or IMPLIED consent to furnish my personal credit information. Any and all consent to any creditors whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Finally, 15 U.S. Code 1681 ( e ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Under that explanation, Lexis-Nexis Risk Solutions and XXXX XXXX XXXX are not abiding by those very reasonable procedures. So, per FEDERAL LAW, specifically 12 CFR 1016.7 which states that " A consumer may exercise the right to opt out at any time '', I am opting out of your reporting services. Discontinue your unlawful practices and provide WRITTEN confirmation that the above instructions have been carried out.
Consumer complaint received 2020-05-30
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: SYNCHRONY FINANCIAL (FL)

Several months ago I purchased XXXX pairs of shoes, online, from XXXX XXXX. When the shoes were delivered they were the wrong size. XXXX XXXX accepted the return and issued me XXXX refunds in the amounts of {$85.00} for the XXXX pairs of shoes back to my Paypal credit account. On XX/XX/XXXX XXXX reversed the credits and this resulted in a deficit to my account in the amount of {$160.00}. Why XXXX reversed these XXXX refunds I don't know. Tying to contact XXXX has been impossible. I need my credit of {$160.00}.
Consumer complaint received 2020-05-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I have several INQUIRIES on my credit report that are not AUTHORIZED. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These INQUIRIES listed are not AUTHORIZED and need to be deleted from my credit report : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I received a debt collection from Convergent approximately 3 months ago. I disputed the collection and requested information on the legitimacy of the debt. Today I received another debt collection from Convergent and the debt is now about quadruple the fee it was. I still have not received the requested information.
Consumer complaint received 2022-07-18
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 have disputed the account with Transunion for XXXX XXXX due to account being paid on XX/XX/2022. I contacted XXXX Bank and asked for a letter in writing regarding the payment and updated status and to ask the bank to update my account status with all three bureaus. I filled a dispute with Transunion and asked Transunion to update my account information to show has been Paid in full for less than the full balance. 

My dispute has come back today as Verified and accurate with the old status of past due, with a balance and charge off on the account. 

Please assist as Transunion has not conducted proper research to see that this account has been paid.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

i talked to XXXX XXXX  at wellsffargo dispute department and he is dishonest and changing his statements over the phone over 5 times and he refused to transfer me to his manager and finally i told him i am taping recording his calll and he agreed to transfer me to the dispute manager at wellsfargo and he name is I talked to XXXX  Id number XXXX and they both do not resolve my sipte at all i filled it over 3 month and they are careless
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IL)

Around XX/XX/2019 my vehicle financed by Bridgecrest Auto suddenly stopped in the midst of a Kentucky  state highway. The vehicle had to be towed to a facility. Since the vehicle was initially purchased I never missed any of my monthly payments. When it was determined the engine failed on my vehicle, the extended GAP insurance i had been paying for refused to cover replacement parts needed to get the vehicle functioning again. I informed my finance company, Bridgecrest Auto I can not continue to make payments towards a vehicle I was unable to drive. Therefore, I voluntarily surrendered the vehicle back to Bridgecrest with the understanding the account would be listed on my credit report but as a voluntary surrender. When Bridgecrest was contacted by the Illinois Attorney General, the responded stating I indeed surrendered by vehicle and that it was not a repossession. However, they have reported the loan as an involuntary repossession and are refusing to change this. I understand the account should be listed on my credit report but it should be listed accurately. Reporting this default loan as an involuntary repossession is not an accurate statement and should be changed to reflect its true status as a voluntary surrender
Consumer complaint received 2020-05-30
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$4200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- REAL ESTATE LOAN 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (AL)

I destroyed my VISA Debit Card by mistake, the name of the Card was very irritating ( XXXX   XXXX XXXX - Part of my spouses name ) and I was thinking it is a fake Card.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

On the Internet, I saw a website where I could apply for a XXXX credit card. I filled out the application. I received a letter asking for my driver 's license and social security card or other identification. I sent a copy of my license and social security card, but he said that the back side of my social security card didn't show up weIl, and asked for a copy of my 1040 the first page, which has my wife 's social security number as well as mine. I sent a copy to Application for Miles and More Credit Card, XXXX XXXX. XXXX XXXX, XXXX, Delaware XXXX. I have not heard back. When I checked with XXXX online for progress on my credit card application, it informed me that there was no record of my application. I don't have a copy of the letter he sent me, or phone number.
Consumer complaint received 2020-05-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX CR UNION, XXXX SB.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc. (FL)

Today XX/XX/year> I received a call from a company called National Enterprise stating that my account with XXXX is pending legal action if I did not pay them {$5000.00} today. The operators name was XXXX. He stated if I did not pay the company upstart will sue me for the money. I am already in a debt consolidation program and when I tried to explain that. XXXX stated that my program hadnt reached out to them. That is not true because they just brought me an offer a month ago. National Enterprise tried to scam me.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX account XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2020-05-30
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2020-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2024-01-18
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (UT)

On XX/XX/XXXX, I changed my XXXX payment process to auto-pay, and sucessfully paid the due amount of {$130.00}. Since XX/XX/XXXX, I was certain the auto had been set-up correctly. I never received any notice of an overdue payment, until XXXX reported a 30 day late to the credit bureau in XX/XX/2020. I never received any emails, phone calls or a letter/bill in the mail stating a previous months payment had not been received. I was never informed of any outstanding amount overdue from a previous month. My payment record with XXXX was excellent, and I would have made a manual payment sooner if XXXX would have contacted me. On XX/XX/XXXX, when I discovered the issue while looking at my credit as I prepared for my house purchase, I made an immediate manual payment of the total amount due for that month and the upcoming month totalling {$180.00}. When I tried to explain that I had no knowledge that I was behind on a payment, and that the auto-pay had been sucessful, XXXX did not want to hear it, and said it was all my fault. I was in disbelief and continued to contact XXXX in an effort to provide clear proof that there was no effort from XXXX to bring this to my attention, All my efforts were dismissed. On XX/XX/XXXX, I paid off the account in total for {$950.00}.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (CA)

In XX/XX/2020 I noticed an alleged debt reporting on my credit reports for an Electric bill ( XXXX XXXX XXXX XXXX ). On XX/XX/2020 I sent Contract callers Inc., a request for validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and requested for validation including a request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' Contract Callers Inc. has not responded to my request and continues it's collection efforts without validation or verification of the alleged debt.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (SC)

An credit card application was open in my name for the company listed below JPMCB CARD, XXXX XXXX XXXX, XXXX, phone number ( XXXX ) XXXX on line, on the XXXX of XXXX and again on the XXXX of XXXX. I've called the company and reported the application for the XXXX of XXXX as fraud. I haven't been able to report the application for the XXXX of XXXX as of yet due to the fact I received the notice late in the day and the company is already closed. However, I didn't do the credit card application on the XXXX or the XXXX of XXXX. They said they would cancel the application and the inquiry removed from my credit report.
Consumer complaint received 2020-05-29
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: CITIBANK, N.A. (CA)

I opened a new Citi Premier credit card in XXXX under a promotion that stated : " Earn XXXX Bonus Points after making {$4000.00} in purchases with your card within the first 3 months of account opening. XXXX Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM , Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' 1. I made {$4000.00} in purchases in the first 3 months. 

2. I did NOT receive a new card member bonus on the Rewards+, Preferred, Premier, or Prestige in the past 24 months. 

3. I did NOT close an of those account in the past 24 months.

4. It has been over 90 days and the points were not posted to my account. 

I contacted citibank, they stated " special offers aren't available with an existing account in the same product has been approved or closed within 24 months '' Those terms are not listed anywhere on the account application, new terms can not be applied after the fact.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX XXXX ( XXXX XXXX XXXX ) ( the Fraudsters or Company ), which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chase Banks XXXX XXXX my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase Bank was in compliance with its own policies and procedures ; ( v ) whether Chase Bank owed duties to myself, what the scope of those duties was, and whether Chase Bank did not uphold those duties ; ( vi ) whether Chase Banks conduct was unfair ; and ( vii ) whether Chase Bank has within its power the ability to, and should, compensate me for the harm that has befallen me. 

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Chase Bank must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.