davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2021 my lease with ally was paid off due do an insurance claim. I received multiple calls after about a balance that was owed for XXXX after the payoff. I did not understand why there was a balance and rep could not explain either so I asked for a detailed letter explaining the charges.I did however make a payment for XXXX after the just so I wouldn't have any collections hit my credit report. In XXXX I received a detailed breakdown of fees and it explained that the balance was my insurance deductible which I had believed I would've received a bill from my insurance company. Which left me skeptical, so I reach out to my insurance company to verify which I told Ally I was going to do. Once I received confirmation paid Ally off. The following month XXXX my correct report showed I had been in collections since XXXX for XXXX. I called Ally to dispute and to no avail no a soul understood what I was talking about they just kept saying my account is paid off in good standing but in fact it's not and this has hurt my credit score tremendously. I have never missed a payment and for Ally to put 4 months of collections on my account is not only wrong but big a inconvenience to me.
Consumer complaint received 2024-03-09
Product: Credit 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. (CA)

I was charged {$1200.00} to my Chase Sapphire credit card on XX/XX/XXXX by merchant XXXX XXXX XXXX XXXX XXXX. I did not make this purchase but upon investigating myself, I learned this was a charge to an XXXX  event called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hosted by XXXX XXXX ( a link to the event I was charged for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I did not make this purchase. I immediately requested a refund via my XXXX account but never received a response from the company. Then I contacted Chase ( on XX/XX/XXXX ) and reported the fraudulent charge. They said they would look into it. On XX/XX/XXXX Chase sent me a letter saying I was responsible for the transaction, giving the reasoning that " You received benefit from this transaction. '' This claim by Chase is false -- I did not receive benefit from this transaction. The event that this ticket was fraudulently purchased for was in XXXX and I live in XXXX XXXX. Also upon my own investigation, I believe the event was also set up fraudulently as a way to scam people via XXXX. I found a different event page for an identical event by a much more established company that has XXXX followers on XXXX ( XXXX XXXX XXXX XXXX XXXX ). This looks like a real event, but the one I was charged for was a fake duplicate by a company that seems to host no other events but has the same name.

Because Chase denied my claim despite the fact that it was made fraudulently and there is no evidence that I benefitted from the transaction, I am hoping for assistance in having this charge wiped from my credit card.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (GA)

Before my TD Bank / Target was XXXX  days passed due, I entered into a payment arrangement with Target. In the arrangement, the details clearly outline that my XXXX  payment under the arrangement is not due until XX/XX/XXXX in the amount of {$80.00}. 

TD Bank / Target in accurately is reporting to XXXX, XXXX, and XXXX that my account is XXXX  days past due. 

I provided proof of the agreement to XXXX, XXXX, and XXXX and this inaccuracy is still reporting on my credit file.
Consumer complaint received 2023-05-05
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (IL)

I have a judgment against me and I have been trying to get in contact with someone about resolving the issue. I am being told that my file is " archived '' and that they can not open the file. In the same conversation I was told I had a XXXX balance and in the next breath I am being told I have a balance. They will not send me anything at all. Each time I call I have been transferred to another department or given a fake voicemail or hung up on. They refuse to send me anything because the file is " archived '' I keep getting told that my file isn't handled by this department and keep getting phone numbers for other departments. And when I call them or if they transfer me ( without hanging up ) then that department tells me they can't help, it is another departments responsibility. 

I started this endeavor on Friday, XX/XX/2021 and today, XX/XX/2021 have tried to resolve my issue, but to no avail. So for over a week I have been jerked around and it is getting old.
Consumer complaint received 2020-09-09
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. (NJ)

inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/XXXX it was reported that I had opened a new credit account, so the credit bureaus TransUnion and XXXX reduced my credit score by XXXX points. The account was actually opened in XXXX but I hadnt used it before because it is for emergencies. I first used the account at the beginning of XXXX. After I filed a dispute with TransUnion on the XXXX and XXXX they finally changed the info of the account to indicate that I have had it since XXXX and it has always been paid off. My credit score did not reflect the change though. There should be nothing else influencing this. My score is still XXXX points from where it was even though my credit report states there have been no changes from previous months. Either my score should return to its original number or I need an explanation for the decrease.
Consumer complaint received 2021-05-20
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (MN)

I have not received my XXXX  credit report from Lexis Nexis. I want Lexis Nexis to send and mail me a complete copy of my Lexis Nexis Consumer Report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I DONT RECOGNIZE OR ATHORIZE THESE INQUIERES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners (TX)

I received several messages from friends and family during early XX/XX/2019 that a company was trying to reach me about collections. On XX/XX/XXXX, I received the first phone call direct to me to discuss the collection. Upon verification of personal information, I was told that I had an outstanding debt of {$1300.00} with XXXX XXXX, and that they were trying to collect. In addition they noted that there were legal costs on top of that amount which they threatened to charge me with. I disputed that I had any debt balance with XXXX. I had a bank account there several years ago, and a 12-month loan which was paid in full and on time. 

They offered to send verification of the debt, but I only received a letter from the collection agency, with no backup of information received from XXXX XXXX. I called them again, and was told that they had no obligation to prove the debt I owed and that I had to reach out to XXXX XXXX to verify. I told them that I had no intention of taking their word for the debt and until they could offer proof, I was not going to pay the amount. The representative then asked why we were even on the phone, which I agreed with, and hung up. They called back again on XX/XX/XXXX, and I told them I was unavailable to speak with them. I have not heard from them since.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NJ)

I have these items that does not belong to me and i want it to be removed from my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


2. Identity Theft SYNCB/BP DC Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft SYNCB/GAP Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (OK)

BULLCITY FINANCIAL SOL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Submitted a collection account with XXXX XX/XX/2021. BullCity Financial never made an attempt to notify me via mail or phone of this alleged collection. They simply submitted a collection to XXXX, which I was altered to. I have opened a dispute with XXXX, which they supposedly " verified '' the information, and updated my credit report, which the collection stayed. I reopened another dispute, and submitted more information. I sent BULLCITY FINANCIAL and XXXX a certified letter on XX/XX/2021 disputing the charges, collections and inaccurate ( damaging ) reporting to my credit report. Additionally, as a bullying tactic, they continually keep " updating '' reporting to my XXXX Credit Report five times in less than a month.
Consumer complaint received 2021-11-29
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. (TX)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MD)

Credit Collection Service Opened XXXX XXXX XXXX XXXX Opened XXXX Because these debts are illegal. resulting from criminal identity theft reported to law enforcement via the XXXX Police Department police report # XXXX ; in violation of 15 US Code 1692 ( e ) ( f ).
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have had XXXX Experian XXXX XXXX monitoring and credit scores. My account was put on hold when they could not bill my monthly fee. Once, I added a new card, my monthly service continued. However, without any rhyme or reason, each month my fee of : {$24.00} is debited from my bank account, Yet, Experian keeps closing access stating I have to update my banking information. When I check my bank, you can see the monthly withdrawals be debited from my account, however Experian denies me access. This is an ongoing problem with correct information, and I'm tired of trying to add " Already Good '' billing information for their services. They are taking my money each month, but not allowing access each month to those service. 
To make problems even worse, I've called so many numbers and they all lead to nowhere. They end up sending the customer to an automated system, that does not and can not resolve the issues. I can't get in touch with them, or update already correct payment information. CAN I PLEASE HAVE YOUR HELP..?? Experian should be guilty of fraud for taking customer 's money without providing the equal service..
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Dear Fifth Third Bank Customer Service, My name is XXXX XXXX, and I am a customer with a Fifth Third Bank account. I am writing to express my concern regarding two issues with my account : {$170.00} is missing, and I see a negative balance of {$290.00}, which I believe is inaccurate. 

I have reviewed my transactions and calculated the running balance of my account. Based on my calculations, my account should have a balance of {$360.00}, not a negative balance. For your reference, I have included the transactions and calculation below : For verification purposes, please note that the last four digits of my card ending in XXXX, and my date of birth is XX/XX/1981. 

I urgently request your assistance in investigating these discrepancies and providing guidance on how to restore the missing funds, address the negative balance, and secure my upcoming deposit from XXXX 's XXXX XXXX. Please contact me at your earliest convenience to discuss these matters further. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX balance 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 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 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 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 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  Please investigate. 


In order to calculate the running balance, I carefully reviewed my account transactions, including deposits, withdrawals, and purchases, from XX/XX/XXXX to XX/XX/XXXX. I started with the initial deposit of {$1200.00} on XX/XX/XXXX and added the subsequent deposits while subtracting the amounts of any withdrawals and purchases. The resulting balance, {$360.00}, is significantly different from the negative balance of {$290.00} currently displayed in my account. I believe this discrepancy indicates that there might be some errors or unauthorized transactions affecting my account balance.
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (CA)

On XX/XX/2021 I received a notification from XXXX, XXXX and XXXX that my credit score decreased due to company called Bay Area Receivables Inc reporting erroneous debt. I never received information in the mail in regards to this debt nor was I ever contacted via phone. Bay Area Receivables reported 6 items presumed to be medical debt ranging from XXXX to XXXX dollars reporting on XXXX XXXX and XXXX I proceeded to dispute information with all the three bureaus online, and XXXX  was the only one to delete the information related to this company. On XX/XX/2021 I sent a validation/verification letter certified mail to bay area receivables to prove the debt. They did not respond within the allocated date of 30 days. I mailed certified letters to XXXX and XXXX requesting them to remove All negative accounts associated to Bay Area Receivables due to no response. XXXX Deleted all information immediately and XXXX did not. May Complaint is XXXX has yet to remove this negative items from my credit report following request to do so, and the fact it was removed by the other credit bureaus.
Consumer complaint received 2024-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (NY)

XX/XX/2024 Most recent issue. The banks website does not allow password reset, and a call has to be made every time the login password has been used. There is then harassment and abuse when the call connects. There is illegal collection during this interaction, and the amount of payments for this account exceed the original line of credit/account balance on every statement and credit report.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The following information is incorrect : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I reach out th the credit for the last two months regarding the incorrect information on file.

I call and fax.

Please help me remove the information above.
Consumer complaint received 2022-01-18
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Loqbox US Inc (GA)

The company Loqbox Finance wrongfully charged me a late payment in XX/XX/2023 this did not occur I have reached out to this company several times with no response, I demand that this late payment be removed.