davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-04-04
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: NAVY FEDERAL CREDIT UNION (DC)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX and XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WA)

I have an Apple Card with Goldman Sachs, which I connect my XXXX  XXXX checking account to the ACH service. 
It used to be connected to my old XXXX checking account, but I delinked and updated my bank information when I closed the account with XXXX over a year ago. Since then, I had no trouble having XXXX deduct my balance on due date from XXXX XXXX checking account until the most recent payment date, XX/XX/XXXX. 
On that day, XXXX somehow tried to withdrew my balance due {$64.00} from no longer viable XXXX Account. Since the transaction did not go through, XXXX charged me {$7.00} for the interest, and also the statement shows that they will charge me for additional interest on XX/XX/30 because my payment was overdue for the XXXX balance. 
I immediately contacted the customer service and explained the situation. I talked to two supervisors, and they refunded me the {$7.00} interest rate, but did not acknowledge the future interest. They told me that they would look into this and resolve within 10 days. Yesterday, I received an email telling me that the issue was fixed, but I still see the future interest rate charge on my card record. 
I contacted the XXXX customer service again, repeated the same explanation, but they insisted that they would only see on checking account info, XXXX XXXX. I tried to send a snapshot of the ACH transaction showing the last four digit of my old XXXX account, but they were not able to receive image files because of their system setting. 
Since I exhausted my options to resolve this issue with XXXX bank directly, I need your help to have them look into the error ( deducing the balance from my old XXXX account removed long time ago ) and remove any future interest charge since I paid everything on time even after they made this error. 
Thank you in advance for your support. 
I will attach a snapshot of 1 : my bank account info on Apple Card 2 : XXXX transaction showing that XXXX tried to withdraw {$64.00} from XXXX 3 : Future interest amount to be charged on XX/XX/30 4 : Past 6 months payment records showing that I have consistently paid via XXXX XXXX  account until XXXX bank made an error on XXXX
Consumer complaint received 2022-02-19
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. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The 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 items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

applied for a XXXX XXXX XXXX through Chase. Was told due to bankruptcy 7 years ago, I was denied. Asked to speak to someone to further investigate. Was told bankruptcy again and I called XXXX due to the fact it was 7 years ago. I have a credit card and have charged and paid current over {$300000.00} dollars and my credit is very good. Then was told that it was due to me naming Chase in my bankruptcy 7 years ago. I have my home mortgage through Chase and asked my branch manager where I bank to help and was told Credit Cards is  like their own company and She couldn't help. The great depression of XXXX was caused by the banks, not me. Can Banks be vengeful when issuing Credit?
Consumer complaint received 2019-04-08
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: Bread Financial Holdings, Inc. (TX)

was offered a credit card without applying several months ago. In XX/XX/XXXX, I was offered a promotion to transfer any balances up to my {$14000.00} credit limit with no interest or payments until XXXX. I transferred just under {$1000.00} r4om my discover card. I have since paid my account off every month. The method I use to do this is to check the statement balance, subtract the XXXX amount and pay the balance. A few times, I've had credits that have affected the balance after the statement " cut ''. On one occasion, a few months after accepting the offer, I received a statement that had the XXXX balance reduced by around {$14.00} even though I'd directed no payments to that account. I called the company and after playing for a long time with their on-line system - clearly designed so they never have to actually talk to a customer - actually spoke to some people who very unhelpful. In the end, after spending a couple of hours of my time trying to resolve this I gave up. As noted above, I have from time to time called the company to determine what payment needed to be made to maintain by promotional balance and not have any interest accrue on the remainder. This last statement showed my promotional balance completely wiped out, effectively increasing my immediate debt by almost {$1000.00}. After spending much more time on the phone a week ago, I spoke to a supervisor who indicated they had made a mistake and she would fix it and call me back. As of today, this has not occurred. I have communicated numerous times that I do not intend to pay off the promotional balance until the very last day of the promotional period, but they don't care they just want they money. This is a FCRA violation, blatant fraud and a violation of UDAAP. This has all been highly complicated by errors they have made handling several fraudulent charges on this account.
Consumer complaint received 2020-10-09
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. (LA)

I contacted equifax on incorrect reporting with my credit report, as to my prevail I followed the steps and chains for having the hard inquiries on my credit report removed. I have only two that I ran my credit with. The  companies that had my permission to run my credit is XXXX XXXX and XXXX XXXX XXXX. I have reached out on numerous occasions and no help. This is hurting my credit bad and Equifax fails to properly investigate these matter.
Consumer complaint received 2020-10-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (SC)

My house burned down and us bank received the money from the insurance company. The amount they received exceeds the.loan amount. They refuse to send me.the money. 
I can not get them to send my builder a deposit to start construction. I have submitted every document they asked for. 
Please help us
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FEARON FINANCIAL LLC (CA)

I am a XXXX XXXX and own a XXXX XXXX in California. I have a client that went shopping for interest rate quotes for an upcoming purchase and got an email from a loan officer at XXXXXXXX XXXX that contained illegal information. 

It looks like depending on whether you get referred by a certain realtor or not, your closing costs and interest rate are different.
Consumer complaint received 2019-04-03
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. (MD)

I checked my credit report and noticed that I had 4 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XXXX. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company XXXX XXXX XXXX
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (LA)

I have been disputing billing charges from Chase Cardmember Services ( an online credit card used by Amazon ) since XXXX of 2019. I had an Amazon gift card balance of {$290.00} in XXXX of 2019 and used it to purchase a variety of items. In XXXX or XXXX of 2019, Amazon had a promotional offer which was to get a {$70.00} gift card to switch from their card to a Chase Card. I took the offer. Perhaps the offer was not valid and Chase billed me for the items I purchased with that card. 
I started receiving bills from Chase in XXXX. Immediately, I wrote to them and informed them that the items were paid for with an Amazon gift card. They conducted some type of investigation, and informed me that the investigation proved that the charges were valid. I continued to dispute them and Chase claimed that they would continue their investigation. One by one, billing charges were  dropped. They informed me that they had made mistakes. I assumed that all their charges were mistakes, and that the matter was resolved. Unfortunately, that is not the case. Early this month I received a notice from them that they had done an investigation and found that I owed them {$14.00}. I wrote them a letter explaining that the bill had been paid and a cancelled check was sent as evidence. I also received another bill for {$75.00} with no explanation as to why the money was owed. 

I have no idea how to get this matter resolved.I have written ten letters to Chase Cardmember Services. My feeling is that their customer service department is incompetent. Chase has harassed me for over a year for {$120.00}. I do not owe them any money and would like them to stop sending me bills and information about their so called investigations. 


Any help you can provide would be appreciated. 


Thank you
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NV)

I did go to the hospital but never received a bill in the mail, nor was my bill ever explained to me. The bill went to collections and I paid the balance in full immediately by phone with the promise of the collections being removed from my credit report. There were two collections from the same collector for the same hospital visit, it was just split into two separate bills and therefore separate collections somehow. I've previously disputed this situation via the CFPB who contacted the collector XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX and XXXX. Results from XXXX are still pending. The debt collector, XXXX XXXX XXXX, contacted the bureaus on my behalf as well and requested to remove the account from my credit report. The collection company did in fact confirm the collections should be removed. However, only one of the collections was removed from my account. One collection still remains and is reflecting poorly on my credit report. Probably a clerical error but it still needs to be resolved in exactly the way it was promised to me.
Consumer complaint received 2020-11-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

I am a thirty year member of USAA. On XX/XX/2020 while traveling in XXXX, I submitted a claim for a credit dispute where a vendor did not provide the services I paid for and could not be reached. USAA had requested a cancellation date and there was none because the vendor could not be reached which I stated clearly in the documentation. 

USAA closed my case and failed to accept my communications or communicate clearly with me about its reasons. 

When I returned from being locked down in the XXXX  XXXX I called USAA on XX/XX/XXXX and was told they would reopen my case. They did not and I subsequently spoke with 9 different people who all told me different things including 3 in their highest customer complaint offices, the CEO 's Office. On XX/XX/XXXX I was told by a claims analyst named XXXX that all USAA transaction disputes must have a cancelation date and on XX/XX/XXXX I was told by XXXX XXXX of the CEO 's Office that all transactions must have a cancelation date and nothing further would be done on my case by USAA. I question the veracity of this since it flies in the face of all logic given that many disputed transactions do not involve a transaction in time in this manner. 

More to the point, again : since the reason for the transaction dispute was that the vendor was unreachable, there was no way to cancel my transaction. I told XXXX XXXX that this is USAA 's error and not mine and therefore USAA should reimburse me. He denied this request as well. 

I have since noticed that USAA has been penalized XXXX XXXX dollars for failing to honor customer stop payment requests. Clearly USAA did not reimburse these customers either and makes a habit of this type of offense and has done it again with me.
Consumer complaint received 2020-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

I received notice from XXXX XXXX that my XXXX  credit report showed an increased balance due to Navient Student Loans. I called Navient to inquire how my balance had gone up. Their reply was that since I was again a student that my loan had automatically been deferred by the system. I explained to the customer service rep at Navient that I was never informed that I could defer my loan, that I never requested that my loan be deferred, and that I never authorized my loan to be deferred, additionally I wasn't notified by Navient or by the school that it had been deferred. I told the Navient rep that this wasn't ethical nor did I believe it to be legal. I have filed a complaint with the US Dept of Ed today. I refuse to pay the additional interest that I never agreed to pay nor did I request. I've been on auto pay out of my checking account for years and I have changed nothing in that regard.
Consumer complaint received 2020-08-18
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. (CA)

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from XXXX  or TransUnion so they are clearly avoiding their duties as well.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (MA)

Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.