davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (CT)

XX/XX/XXXX I applied for an installment loan of {$500.00} with Moneylion. Per Moneylions website and policy, only 1 loan can be given at a time. Once that loan has been paid off, the consumer can then apply and receive another. I paid that loan off XX/XX/XXXX as it shows last payment received and applied for a second one. I paid that loan off and took out another one XXXX XXXX. Mind you both loans were on auto pay. The second loan was being taken out of my account every month then about end of XXXX, they stopped taking it out and then charged it off. At the time the balance left was XXXX yet on the credit report shows " account charged off. {$420.00} written off, {$300.00} past due. How can you write off more then the past due. They are a fraudulent predatory company with incorrect reporting 's. How can I have two active loans out at the time in XXXX if both their website and customer service have stated only 1 active loan can be open at a time. 

I have tried to dispute this with both XXXX and the XXXX bureau 's with no help. When I pull my reports, they aren't even reporting anything correctly on both XXXX and XXXX. XXXX shows no payments made on loan 1 yet the balance is lower then the initial {$500.00}. On XXXX, its showing the XXXX  months I made payments on the loan then went to XXXX, 60 days late. When I disputed the incorrect reporting, they tried to adjust the balance to {$30.00} in XXXX of XXXX, XX/XX/XXXX it was put on {$460.00}, then in XX/XX/XXXX went back to {$30.00} and then back to {$460.00}. They have been falsely reporting it since XXXX and has affected my credit. 

The second loan is showing last payment made XX/XX/XXXX but when you look at the report, no payments were made so clearly nothing matches up with any of the reports and details as they are trying to do this.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (NY)

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, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX, Amount {$2100.00} has violated my rights. 

15 U.S. Code 1681 states 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. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2021-09-01
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. (CA)

On XX/XX/2021 I sent a letter to Transunion about my unauthorized inquiries. I also submitted a complaint with you guys last month on XX/XX/2021, but there was no response.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

Had no issues at all when student loans were serviced by XXXX, XXXX, or XXXX. Starting in XX/XX/XXXX, XXXX started misappropriating my loan payments into the wrong accounts, even though my bank had the proper loan numbers on the payments. ( Account numbers were given to me by XXXX ) They even threatened, by letter, to send me to a collection agency, in addition to the collection department calls from XXXX themselves. They were also charging me late fees and calling my accounts delinquent, when they were the ones who made the mistakes. This happened 5 months out of 6 in XX/XX/XXXX. Every time I called to try to straighten out their mistakes, they blamed me or my bank and were hostile and rude. Now the same thing has started again in XX/XX/XXXX, where they are misappropriating my loan payments again.
Consumer complaint received 2022-11-12
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)

I sent a letter on XXXX XXXX, 2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX Balance : {$7500.00} According
Consumer complaint received 2022-01-04
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)

I called multiple times and sent in an ftc report to Transunion about the unauthorized inquiries and they told me I had to send in an ftc report which I already have done and its been well over 30 days and no one have reached back to me from the company they stated they started an investigation before the 30 days and Ive received a letter from one of the companys who stated inquiries on my report and theyve said they do not have any information on any active accounts with me nor did they have any history of me trying to obtain any credit or loans with them
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I sent a direct dispute to XXXX about a card that is on my credit file. XXXX sent me a letter stating that the delinquent account would be removed from my credit files within 30 days. However, it is still on my Equifax report. Therefore, I sent a dispute to Equifax along with the letter from XXXX showing where they stated the removal of the account from my credit file and Equifax still refuses to remove it off of my credit.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX CO 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 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AL)

Hello, On XX/XX/XXXX I booked a hotel through Chase XXXX XXXX Travel Portal using my Ultimate Rewards points. I booked ( 5 ) nights at a " 4-Star Hotel '' - XXXX XXXX XXXX XXXX - Beachfront Hotel, XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX, XXXX XXXX, XXXX. This stay cost XXXX Chase XXXX Rewards points, with a redemption value of {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX. 

We arrived late in the evening on XX/XX/XXXX after a day of traveling from the United States. When we arrived, the hotel did not look anything like the pictures that were advertised. There was only ( 1 ) person working the front desk and no other employees seemed to be around. We booked a " Beach front bugalow with Jacuzzi '', and were given a key and directions to our room. Once we arrived at the room, the door was closed, but the lock was held together with a screw and able to pushed open without the key. The room was dirty, there was dust and water damage every where, blood stains on the sheets, and the " jacuzzi '' that we paid extra for was just an empty tub on the balcony. There was also no hot water in the room. We called the front desk to no avail, and when I walked down there we were told someone from maintenance would go and check on the hot water, however nothing was ever done. I immediately contacted Chase who said that nothing could be done and to sort it out with the property, however there was no one at the property that could do anything for us. They kept referring us to a manager who never answered the phone. We stayed the night of XX/XX/XXXX at the hotel as we had nowhere else to go that night, and the next day we got up and back a room at an actual 4 star resort further down the beach. The hotel was not willing to give us our money back for the ( 4 ) remaining nights and after countless emails and phone calls with Chase Travel while in XXXX, and also once I arrived back home, my request for a refund was also denied. This hotel was fraudulently advertised and my credit card company that we booked the hotel through would not do anything to help us. I had to spend another additional XXXX XXXX Rewards ( {$1600.00} ) points to book ( 4 ) nights at a different hotel and my planned XXXX XXXX 's XXXX marriage proposal to my fiance was ruined. I have attached the confirmation of my 2nd hotel booking as the last attachment to this complaint.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pressler & Pressler, LLP (NJ)

To Whom It May Concern,. 
Pressler & Pressler , LLP placed a wage garnishment against me and my employee pay wages. for a credit card debt that I do not owe nor own. Pressler & Pressler garnish my wages from my employment without my knowledge. I Did not receive no court dates to be aware of what my pay check was being garnish for and the percentage. I arrived at my job to start my day. An envelope with confidential stamp on it. that 's when I was aware that Pressler & Pressler garnish my pay check for a debt I do not owe. I file For a motion to go into court on my own. and attorneys were not present in court. but wage garnishment is still being deducted from my paycheck. For a debt I do n't own nor owe. Thank you.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MD)

I solicited XXXX of XXXX, MD for the burial of my grandmother, XXXX. At that time, my total bill was {$8000.00}. XXXX had a life insurance policy of {$5000.00}, which was signed over to the Funeral Home, bringing the balance to {$3000.00}. Additional payments were made to the Funeral Home. The funeral home turned the account over to Hunter Warfield for collection of the original, full balance of {$8000.00} in addition to interest of {$220.00}. On XX/XX/2017, I sent a cease communication and dispute letter to Hunter Warfield disputing the debt, requesting they cease calling my phone numerous times a day without leaving a voice mail or answering when I answer, and requesting documentation showing verification of ownership of this debt, itemized account details showing original amount of debt and all credits made and accounting, itemization showing the {$8200.00} balance, and any documentation showing they are licensed to collect in the State of Maryland. On XX/XX/2017, I received a response from XXXX Hunter Warfield stating Enclosed is verification of your debt and attached the original document completed at the funeral home at the time of PLANNING the burial. None of the documents I requested, most importantly an itemization of credits made to the account, were included. On XX/XX/2017 I responded by written correspondence reiterating I asked to be provided with " all documentation showing verification of this debt, itemized account details showing original amount of debt, all credits made and accounting showing the balance as set forth in your correspondence. As well as documentation showing you are licensed to collect in the State of Maryland. Their two sentence cover letter and attachment of the original planning statement of funeral services was insufficient, and again requested an itemized accounting showing how they reached the {$8200.00} balance, retrieve proper documentation from their client regarding credits made to their client from the life insurance policy, as well as payments made. On XX/XX/2017 I received correspondence from XXXX with the same two sentenced cover letter and the same original statement of funeral services. This company has refused to supply me with anything other than the original planning document, nothing showing the life insurance policy payments or other payments made to the account, and continues to try to collect on the full, original balance that is not owed. This company refuses to submit any of the information requested in both dispute letters submitted to them. They have reported on my credit bureaus as a collection account in the amount of {$8200.00}, which I have disputed with the credit bureaus. The account was kept on my reports as Hunter Warfield verified the debt, despite reporting that the full balance was still owed. They are collecting on an amount that is completely false, as well as falsely reporting to credit bureaus.
Consumer complaint received 2022-09-16
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: BARCLAYS BANK DELAWARE (FL)

There is a credit inquiry on my report from BRCLYSBANKDE on XX/XX/2022 that I do not recognize. I reached out to them for help, but they have not responded to my support message. I am unable to dispute it directly with XXXX, I was directed here
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2022-08-04
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. (TX)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-13
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. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-11-26
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. (NY)

I filed a dispute with CHASE Card Member Services regarding a charge of {$200.00} that was applied to my account based on false and scandalous claims from the service provider known XXXX XXXX  located in XXXX XXXX XXXX 

The vehicle in question was indeed rented on XX/XX/21 at XXXX free of any significant damage, but not without minor swirl and scuff mark damage. The vehicle was returned on XX/XX/21 at XXXX AM and left in the XXXX parking lot in the same like condition as when it was initially picked -up. This fact has been supported by my wife who was with me during our entire stay and has further testified that the vehicle was in fact never involved in any infraction or sustained any damage under my care. 

When I called to complain to CHASE Card Member service I was advised to submit a formal dispute if I disagree with the charge, I was cautioned that a valid charge finding would go against my credit report. Upon my formal filing I received a letter from CHASE stating the charge was found to valid based on research conducted. I was floored by this response as I knew the charge was a scam from a privately owned XXXX rent-a-car office located in XXXX airport XXXX XXXX. I've rented cars from XXXX for over XXXX years and have never been accused of unfounded damages like this. I called CHASE to complain and they instructed me to resubmit an appeal dispute with additional information to support my claim, which I did on XXXX I provided a very comprehensive and time consuming appeal. On XX/XX/XXXX I received a formal response letter from chase saying again that based on their review and the merchants charge is valid ... After the shock of reading CHASE 's response I called again ( XXXX ) and again was told to resubmit yet another dispute, which I denied and requested to speak to a supervisor as I felt like I was just waiting my time and being strung along. After a heated conversation it came to light that my dispute exceeded a XXXX complaint threshold and all the facts, time and disputing was all a big farce of its own. 

In all of the phone conversations, dispute submissions and response letters from CHASE not one mentioned anything about a time sensitive response. What's worst of all the second response letter from CHASE stated a phony investigation statement that the additional information that I submitted was thoroughly reviewed and the charge stands? The fact is that my dispute fell outside of their eligible review widow and none of what I sent in as supporting proof to my claim was ever considered ... Outrageous! 

On top of it all CHASE tries to buy me off by offing to apply a {$100.00} credit to my account. Since the charge is fraudulent I refused and my complaint was sent over to their review board. To date four weeks later I've heard nothing.
Consumer complaint received 2020-04-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OH)

I have an Auto Loan with chase, however in XXXX, when making the XXXX payment, the payment went to the principal due to an error in the system. I never wanted to pay the principal, I was just making my monthly payment normally. I can't speak to Chase on the phone. I ask that the payment made in XXXX be reversed and applied to the payment due in XXXX.