davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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. (TX)

I am submitting this complaint in response to the current evaluation done by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Consumer complaint received 2022-07-15
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 am submitting this complaint in response to the current evaluation done by the Credit Reporting Agencies. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or list of inquiries 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 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of XXXX, I tried to make two ACH payments from my deposit account to Bank of America credit card accounts. I made an error entering the deposit account numbers, and the ACH payments were returned unpaid. I contacted BOA customer service and tried again to make these payments with an agent but accidentally made the same error. On my third try, I finally made the payments correctly, but BOA charged me {XXXX} in fees for my error anyway. I explained my error and asked BOA to waive the fees in XX/XX/XXXX. BOA was unable to address my request at that time " due to Covid staff shortages. '' In XX/XX/XXXX, I paid the {XXXX} annual fee on this credit card account, relying in good faith that BOA would accept my errors as mistakes, as they have done in the past, and reverse the fees when they got around to looking at my request. However, just a few weeks after paying the annual fee, BOA finally responded by mail and denied my request, refusing to credit the fees. I wrote back and even provided proof that the funds were available in my deposit account at the time, showing that the payments did not fail due to insufficient funds. 
On XX/XX/XXXX BOA responded by letter and again refused to refund the fees. By early XX/XX/XXXX I made the decision to close this credit card account because I was certainly not experiencing the customer attentiveness that was advertised as a cardholder benefit. I wrote BOA and asked them to close the account and refund my {XXXX} annual fee, along with my remaining rewards balance of {XXXX, for a total amount of {XXXX}. 
At this time BOA has closed this credit card account but has failed to return my funds in the amount {XXXX}.
Consumer complaint received 2022-04-11
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. (AZ)

I refinanced a mortgage with my credit Union. XXXXXXXX XXXX paid of the previous lender XXXX XXXXXXXX XXXX. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with XXXX it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with XXXX and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called XXXX several times trying to get my credit report updated showing I only have one mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call experian they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

XXXX Was offered concert tickets via a local XXXX page. Was asked to send payment via Venmo. Was given tickets for {$400.00} but only sent {$200.00}. I said to send me 2 tickets and then I will send you the remaining money. They committed in writing to transfer the tickets via XXXX. They then said they can not transfer just one ticket and I need to pay for all four. I knew that was false because thats not how it XXXX works. I am mediately requested that they Venmo my {$200.00} back. They asked to confirm my account, and then they disappeared and never sent the money. 
Venmo said they would investigate it but from everything Ive read they dont protect people. I would not want this to happen to anybody else.
Consumer complaint received 2022-04-11
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-10-14
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: Lewis & Clark Capital LLC (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION ()

I have been banking with SunTrust since XXXX. After retirement I relocated to XXXX where I now reside. Since I financially rely on retirement income from U.S. sources, I obtained international wire transfer privileges with Suntrust in XXXX of XXXX. This was handled in a personal meeting with XXXX XXXX at the XXXX, GA branch. 
Early this year I received an announcement that the wire authentication would change with the creation of Truist. XXXX XXXX assured me that the wire matter would be taken care of in due time. However, in the latest communication, dated XX/XX/XXXX, she states that the only option to obtain access is through another personal visit to a Truist branch. 
I find this response inadequate. My account is the same. I am not requesting additional services, merely the continuation of services that were previously agreed to and delivered without issues until XX/XX/XXXX. Why is the wire transfer agreement no longer valid when obviously other relevant bank agreements with SunTrust remain in place? 
I depend financially on the smooth handling of wire transfers and it is inconvenient, costly, and time consuming for me to visit the U.S. for the sole purpose of repeat signing of forms I already completed in XXXX. As an alternative I suggested that I sign and have notarized any new forms in XXXX. XXXX XXXX is yet to respond to this suggestion.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One charged a late fee for a credit card that the payment was not late. When I look online it shows the fee. When I called the customer service they said that there was not actually a fee even though it shows up on their system. When I asked for them to send me a letter or proof that there was not a late fee, they could not produce a letter.
Consumer complaint received 2022-04-11
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. (MS)

These inquiries are fraudulent please investigate and remove from my reports ASAP 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VT)

This is a second complaint as after trying to modify my mortgage after a Covid forbearance my servicer of my mortgage, Rushmore Mortgage Servicer, has constantly been asking for the same documents over and over saying they did not receive them when I have proof they did. I resend documents AGAIN only to have the same thing happen again. This last one takes the cake! My modification has not been sent to the underwriters because they keep saying the package is incomplete. My last conversation with Rushmore they asked for a lease in which I sent to them. About 2 weeks later I called them to verify that my package was complete and they told me it was not and they did not receive the last 2 pages of lease. I told them thats IMPOSSIBLE as the lease I sent was 1 file. How could they get 6 pages and not the last 2 pages of the file. If a file is corrupted they would have no pages. The first person I spoke to was very adamant they did not receive and was of no help and insisted I resend. I did resend the lease 10 minutes later HOWEVER I decided to call Rushmore back. I spoke with a lady who was VERY helpful and actually looked into to see what may have happened. She then informed me that they indeed had received ALL 8 pages and that the person who probably entered the information neglected to select the last 2 pages. I asked her to note this on my file. She did. The reason I asked her to note this on my file was because my tenants had already received notice that I was in foreclosure. This is how these predatory companies steal your homes! They keep saying they do not have a complete package so they can not send it to underwriting. If you do not follow up in a timely manner they WILL FORECLOSE ON YOU! There are time limits in a foreclosure and if a Servicer can keep your package out of the underwriters hands who approve or disapprove a modification, you get foreclosed on. They told me several times my package was complete! The constant document misplacement along with Rushmore saying they never received docs that I had previously sent, has happened several times in the last 6-8 months! Had I not called in this last time, ( they told me on the phone the requested lease would complete my package so it could go to underwriting ), I would have been foreclosed on as according to the foreclosure paperwork sent to my tenants, I had only days left to respond. Now I have to call back in 2-3 days and MAKE SURE the underwriters are reviewing my package and that they have stopped the foreclosure while they review for modification. One last note. I sent a letter to Rushmore asking them to call me anytime if they needed documents or if changes were being made and also to keep me updated. In the last 6 months I have not received 1 call from this company. ONLY LETTERS, which tend to be delivered 10-14 days later than the date posted on the letter!
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

I have been a customer with Chase since XXXX as a credit card holder. It is one of XXXX credit cards I hold. I have always made my payments on time, but during the early part of covid I got behind and had 2 late payments which is unlike me but I was trying to keep my employees paid and a business running. I called chase to get on a payment plan to get this caught up. While other credit card companies were helpful during such a difficult time for the whole world, Chase chose to be opportunistically predatory to their borrowers. They raised late fees by {$13.00} each, and offered no forgiveness in interest rates or payment plans. After 2 exhausting long calls with Chase they refuse to work with me to get on a reasonable repayment. 

I am not sure what this world is coming to, but allowing huge corporations to abuse their customers is more like XXXX XXXX  than a banking establishment. Why does chase get to get away with making more during the pandemic while others suffered and not only that but add to those same struggles we have all suffered through? Its a shameful practice with terrible optics. Chase JP Morgan needs to be held accountable for their role in predatory practices. Chase has been questioned by local congress for their lack of doing what they said they would during the pandemic and it is glaringly obvious Chase holds the stance that they can't even be bothered to respond to the Congressional inquiries or do what is required of them. Yet another bank that acts more powerful than our own govt. and operates with impunity and vicious practices. If regulators will not review this company further and audit the JP Morgan Chase pandemic responses and policies, then I will not stop until this hits the highest level of media and public awareness. Please take the necessary time to investigate Chase JP Morgan, millions of customers are being punished by this unethical organization every day.