davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CO)

XXXX : was locked out of all online banking services for US Bank. XXXX apparently occurred XXXX. Tried to access app banking and mobile banking so I could pay a XXXX and was locked out. App screen said " try again or call us ''. I tried again on multiple devices that all said " try again or call us ''. I called the suggested phone number and spoke to a representative, who said I would not be able to access any online banking features for at least XXXX hours, and that every time I attempted to login again, the lockout would be reset. Either the rep gave me incorrect information or the notification saying " try again '' is causing consumers to be locked out of their accounts for longer. I asked for representative name and he provided a first name but no other information. I asked if there was an extension or way to know which representative I had spoken with and he said " we have ways '' but would not provide a direct number or elaborate. 

I asked if the representative could unfreeze my online banking and he said no. I then asked if he could submit a ticket to unlock my account and he said no. He said that he would be unable to unlock my account until tomorrow at the earliest, but if I tried to login again, my account would be frozen again and that I would be unable to access any electronic funds transfer features including XXXX for at least XXXX hours after the unlock, meaning I would be unable to pay the person I need to pay. 

The representative said he would transfer me to a supervisor and then transferred me to a physical branch. The physical branch XXXX said she could do nothing and gave me another phone number to call, which was XXXX. The phone number then said there was a special promotion for customers and i needed to press XXXX if I was over XXXX and XXXX if I was under XXXX, meaning I couldn't speak to someone without engaging with the marketing. I tried pressing XXXX and the phone number disconnected. I then tried calling back and was immediately disconnected. My problem was never resolved. I was on the phone for over XXXX minutes. I have still not been able to pay the XXXX.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I purchased a vehicle through XXXX XXXX the vehicle lights came on a hour after purchasing, upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the XXXX.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX  or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX  and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX  and XXXX XXXX have committed..
Consumer complaint received 2024-09-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (IA)

In XXXX of this year, I opened a high yield savings account with American Express after having received an offer from them to receive a {$350.00} promotion bonus after depositing {$25000.00} and keeping that minimum balance deposited for at least 3 months. I contacted American Express after opening the account to confirm my eligibility for this offer. My eligibility was confirmed at that time in XXXX, and I was told to call back in XXXX if the promotional bonus of {$350.00} had not been credited to my account. In XXXX, I called back and was told that the amount would not be credited until XXXX. Since then, I have called in a total of XXXX  times and have been given the runaround each time. Each of the last XXXX times I have contacted American Express, the agent confirms that I meet the criteria and that they are opening a research request with someone being assigned to call me back within XXXX hours. No one ever called me back after each of these contacts. My last XXXX calls were on XX/XX/XXXX and XX/XX/XXXX. On the XX/XX/XXXX call, I learned that a research request had not in fact been opened previously ; I spent XXXX minutes on the phone and demanded to speak to a supervisor. The supervisor ( XXXX XXXX, XXXX # XXXX ), informed me that the promotion was run by the cards department, not the bank. He indicated ( contrary to what the last agent had said ) that he had sent my information over to the Cards department on XX/XX/XXXX confirming my eligibility based on the banks criteria and is waiting to hear back from the Cards department to have them confirm my eligibility based on my card account criteria. He said that there is no established timeframe by which to expect the Cards department to respond. When I pressed XXXX for details, he mentioned that internally this matter was being tracked under case ID XXXX and that it needed to be actioned by the XXXX XXXX XXXX XXXX within the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX. I then made an attempt to call customer service for my XXXX XXXX XXXX XXXX and relayed this information to them. They had no record of a research request being opened with them under the case ID given to me. The Cards Department then opened a customer service complaint for this matter ( XXXX ). The Cards Department customer service agent I spoke with then attempted to reach our to the banking side on my behalf. At this point, this matter is still unresolved, and it is very unclear how or if any resolution will manifest.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TN)

XXXX is lying about not receiving my new insurance from XXXX XXXX XXXX XXXX. This coverage starts from XX/XX/XXXX - XX/XX/XXXX. 
A copy has been made available for them On XX/XX/XXXX, I filed a complaint against XXXX with CFPB. In that complaint I pointed out that my loan impounded my insurance premium etc. So if there is a lapse in coverage, it is the fault of XXXX. XXXX obviously realized it was their fault and agreed take care of the lapse. However, behind tbe scenes, they tried to make me responsible for it. This is why I filed the last complaint. I am enclosing the picture of the letter from XXXX where they tried to bully me into paying for the lapse.
Consumer complaint received 2024-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (SC)

This company has repeatedly placed things on and off my credit every XXXX to XXXX months and keep damaging my credit. Claiming I owe a debt I'm not even aware if. Is there any way to get this company to quit harassing me. As well as damaging my credit repeatedly.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-06-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

So mi XXXX, someone called into XXXX bank and processed XXXX claims in XXXX days. I wen tto withdraw money from the ATM and both checking accounts were frozen. I spoke to the manager at the branch and he advised me that XXXX will no longer be doing business with me because of all the claims I filed. I advised the manager and XXXX phone claims dept I did not call in or authorize these claims and told them do not approve them and chase approved them anyways and the fraud people took the money out. I been going back and forth with the CEO, COO and Co President of XXXX and Toyota and I have received no assistance even when one of XXXX 's executives said they have no record of me calling in so if that's the case how did I call in XXXX claims? I asked Toyota to add the returned payments from last year to the end of my contract and I would pay them even though I shouldn't but I did that to try and keep my car from being taken from me. Toyota still took the car and said sorry for your financial hardship but you need to work that out with the back. XXXX reopened the investigation but has not returned a call or answered and email on how we can resolve this issue. I did not call in claims on my own car as this was my XXXX car with toyota. Someone stole my identity and took advantage of chase and toyota and now I am paying the price. I have all emails sent to toyota and XXXX proving I did not call these in.
Consumer complaint received 2022-09-22
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. (IL)

Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Consumer complaint received 2023-01-25
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-14
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: JPMORGAN CHASE & CO. (CA)

For credit card number ending in XXXX I have submitted plethora of documents showing that the items were never delivered. I have also included vendor confirmation that the items have not been delivered. I did not receive a full refund from the merchant. I opened a claim with Chase customer service multiple times, but they are refusing to review the case, even with the evidence provided by all parties. I am very dissatisfied, and I am currently in a large debt due to this billing issue. Chase benefited from denying my claims and they have been collecting handsome amount of interest payments from me. I have promptly reported the issue which Chase declined, and now they are saying that the time frame is beyond their investigation deadline, which I disagree, since I opened the initial claim within the first 30 days of purchase. 

The transaction took place online at " XXXX XXXX '' on XX/XX/25, for {$6900.00}.
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (LA)

I received a notice from my bank that suspicious activity was detected on my credit report. Upon reviewing the notice, it became apparent that Credence Resource Management ( " XXXX '' ) reported an alleged unpaid balance to XXXX. However, XXXX never contacted me regarding an unpaid balance, which is a violation of the CFPA. Additionally, the debt itself is illegitimate and fraudulent, which I have tried to correct with two prior collections agencies. In both instances, those agencies removed the mark from my credit report because they were unable to prove the validity of the debt.
Consumer complaint received 2022-06-11
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 (GA)

I have a credit card account with Capital One, and I paid off the balance on the account on XX/XX/2022 but they still continue to charge me interests even after paying off my balance. No other credit card company does this to me. I have had the same issues with them in the past, and they are still doing the same thing and don't want to change their practices. These are unfair practices by Capital One to consumers, which they need to rectify. I thought they had changed their practices after this same experience with them in the past, but it looks like they don't want to. What makes them so different from other credit card companies, who do the right thing. I have paid off balances on my other credit cards and none of them have ever come back to charge me interest fees. So, I guess I can not continue with this type of unethical company. I spoke to a customer rep. of theirs today, and he was still talking about accrued interest, which are already included in the balance I paid off. Then he says " You can do what you want. '' Please have them remove those charges from my account and stop harassing me about them with phone calls and emails. I paid off {$1200.00} and they are harassing me about {$14.00} that they charged the first month and now jumped to {$29.00} this month. This is a way of stressing consumers, which I really do not need now. Thank yo for your assistance.
Consumer complaint received 2021-08-10
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. (OH)

I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-11-25
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/XXXX someone used debit card number to make fraudulent charges. Reported it and card was stopped. I was refunded the money. But after numerous attempts still unable to get replacement card. They say will mailed XXXX in XXXX to XXXX business days. The cards never arrived. Called back told same thing Have talked to several agents and supervisors XXXX has been 3 months and I still don't have a debit card.
Consumer complaint received 2022-11-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (MI)

Today is XXXX day of XXXX year 2022 MONTEREY FINANCIAL SERVICES LLC per last communication via cfpb complaint stated that they were going to continue reporting on my consumer report which I never gave your company consent to furnish anything on my consumer report which is a violation of the FDCPA FAIR DEBT COLLECTION PRACTICES ACT I do Not have or never had any written/signed contract with MONTEREY FINANCIAL SERVICES LLC and if you believe I do produce a contract between your company and me the ( consumer ) that gives you the authority or grounds to collect a debt from me. Your company was never allowed to contact me nor purchase my information because I never gave your company permission or my written consent your company must have prior consent given directly by me the consumer pursuant to 15USC 1692c ( a ) MONTEREY FINANCIAL SERVICES LLC used threats in the initial complaint by stating they was gone keep reporting non validated information on my consumer report which is a violation pursuant to 15 USC 1692d ( 1 ) and ( 2 ) to harm the consumer physical reputation by charging interest as I see on my consumer report by your company as well as using obscene and profane language thats another violation. On the packet of your company sent the consumer on XXXX XXXX shows a symbol of a tree which is also a violation pursuant to 15 USC 1692b ( 5 ) this what tells me your a debt collector. The first communication via telephone call made to the consumer your company also stated that this was a attempt to collect a debt which is also a violation pursuant to 15 USC 1692b ( 3 ) I can go on how your Company is violation my rights as a consumer in attempts to collect on an alleged debt. After your company received the cease and desist pursuant to 15 USC 1692c ( c ) ( 1 ) etc but MONTEREY FINANCIAL SERVICES LLC fails to abide by federal law and continues to violate the consumer. I do not wish to call your company because theres is really nothing to talk about or settle as far as me being the one paying cash for an alleged debt. I demand your company to stop furnishing on my consumer report.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

I was recently impacted by a declared national emergency. During that time frame I reached out to discover to discuss options as I have never been delinquent on any account. I was set on an plan but was still reported delinquent. My credit shouldve been suspended during the national emergency and the plan shouldve protected my credit also. I have reached out to several emails provided to for the executive office with no response.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Reported XX/XX/XXXX I moved from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX  end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXXXXXX XXXX XXXX and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.