davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding 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 2020-09-18
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. (IL)

Please accept this letter as a written request to dispute the following account information of items appearing on my credit reports. To prevent any confusion, I have listed the item and account number below : XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I applied for a Capitol One Quicksilver card online on XX/XX/XXXX. I was immediately approved online with a credit limit of {$7000.00}. My card arrived about one week later at my home address. When I tried to activate this card, I was sent to the Fraud Department. I was told that I would have to submit a copy of my drivers license front and back, a copy of my social security card, front and back, and a current bill at my present address. I scanned these and sent them to the online secure number. I was then told scanned copies were not acceptable, so I took pictures of these documents requested and sent them to the secured email address. I called to make sure they were received and was told they were and were acceptable. I have called in numerous times to check on why I can not activate my new card and each time I have to give the last four numbers of my social security card and the last four digits of my credit card. They recognize me by the last four digits, but then the Fraud dept. does not accept these same last four digits as  being legitimate. My inquiry always goes to the Fraud dept. and I am being told that my social security card is not acceptable. It is the same one I received in XX/XX/XXXX and have never been questioned about it being authentic. Capitol One tells me I have to apply for a new social security card before they will accept it and activate my account. I resent being sent to the Fraud Department. The Social Security office told me that my card should be acceptable for my lifetime. I also resent being told that all my documents are in order and then other times they are not. I received a letter telling me to call so that we could resolve this matter quickly. That has not happened and I hope you can help me resolve this. I can not understand how I was approved and sent a new card, only to be denied activation of the card because they will not accept my social security card.
Consumer complaint received 2022-09-21
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: HYUNDAI CAPITAL AMERICA (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-09-18
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. (NY)

To whom it may concern, I am writing to submit my complaint about my previous dispute with Chase Travel and Chase Bank. The transaction date is XX/XX/2020. The dispute amount is {$110.00}. 

Back in XXXX I booked a car rental through the Chase Travel portal for an XXXX XXXX with my Chase card. On the day of picking up the rental we were informed that the name of the driver and the person 's whose credit card was being used needed to match. Since I do not drive we changed the card to my partner 's credit card for her to drive. We were told that the booking was being changed to her card and the total charge would be on our receipt. As you can see on the statement attached and the previous attachments the rental has been paid. We are disputing the charge on my Chase card because we were told it was going to be refunded. We have spent the past three months working with Chase, Chase Travel, and  XXXX in attempt to complete this dispute and receive our money back. We are unsure as to why the cards have two different charge prices. As for now, Chase Bank 's only response was simply resending the confirmation email from Chase Travel without further explanation. We have been double charged on my Chase credit card as well as my girlfriend 's credit card for the same car rental. As shown in the final receipt, the car rental has been fully paid by my girlfriend 's credit card bearing the amount of money {$92.00}. 

At the same time, we had a mechanical issue with our vehicle that was rented and had to exchange the car a few hours out of the way so they may have lowered the price because of that. As you can see on the itinerary, we returned the rental within the time that was booked. 

I have attached to the submission the completed payment and statement on my girlfriend 's card for the rental along with copies of the receipts.
Consumer complaint received 2020-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

This debt just magically appeared during the pandemic. I did not receive any information nor do I have service with this provider. I have asked them to provide a contract or evidence that this account was opened by me. They have refused. They have advised the credit bureaus that its valid and they are not my service provider.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America I have had this loan for about 10 yrs and do not escrow taxes or insurance. I have never been late on a payment. Taxes and insurance are up to date. Recently during this pandemic a payment to taxes posted late. The bank is now saying i have to escrow tax and ins. i can not afford what they are asking me to pay. I have spent MANY hrs trying to get a person on the phone with no luck. Sent them a certified letter with no call back. I have emailed them multiple times and no one has contacted me. I work in healthcare and pride myself on always having good credit. I do not want this bank to ruin things for me. Thank you for your help, XXXX XXXX
Consumer complaint received 2020-09-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I opened a XXXX credit card and received mile for XXXX XXXX flights in XX/XX/XXXX. Upon opening the account online I was prompted by their website to establish auto-pay, which I did with my bank ( XXXX XXXX ). I was told auto pay was the only way that I would be able to get the miles for flights.I made a single charge on this act on XX/XX/XXXX for {$3.00}. I presumed that autopay was set up so therewas no need to be concerned about making a payment. In XX/XX/XXXX I was informed via an email that my act was past due. Upon logging onto theXXXX website, I saw the single charge for {$3.00} and a series of late fees. I immediately paid the balance including the late fees, and contacted customer service and explained that I enrolled in autopay and was told that there was nothing that could be done other than mail in a complaint. Recently I received a credit report with amuch lower credit score due to this discrepancy. I kindly requested again that XXXX remove the delinquent payment from my account and provide that information to the credit agencies which said they can not do. I failed to notice emails from XXXX about an outstanding balance in XXXX, XXXX, and XXXX because I thought I was enrolled in autopay, additionally due to stress and work-related challenges because of the COVID-19 pandemic. XXXX is unwilling to remidy/adjust my credit report for a {$3.00} charge in which I believe I was enrolled in auto-pay.
Consumer complaint received 2020-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I requested debt Validation from American Coradius International LLC that represents XXXX XXXX XXXX and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but XXXX  responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking XXXX to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

My issues is with simple bbva online bank and my external account was from XXXX mother bank is XXXX  XXXX XXXX XXXX XXXX, I had opened a checking account with my prepaid account funds and they don't have regular bank statements they have statements with the debit card numbers on it and they don't provide regular bank statement with the checking account numbers on them that they found was extremely transferred from I can't prove that the account is mine because they want that exact verification I'm also having trouble communicating with the bank because they won't answer me anymore when it comes to my account issues and I have, its actually more then that cause when I had opened the account they had my debit card shipped to my old address which I was in process of moving I thought I would be able to get my debit card so I had it sent there well I didnt get it and so I called and they couldnt help me so I had added another banking account I have onto my simple account the one I am having issues with well as soon as I did that they locked my account and told me that the reason the account got locked was because of the external account and I needed to send verification of it in well I did, because the first one I cant get a statement to and until I added the second account they didnt have my account locked, well they went back on their word and asked for the prepaid card account statement which I can not get I am having trouble they wont even close my account and send my fund to me
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TX)

AD ASTRA Recovery Services Inc XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XX/XX/2020 : A validation of debt letter was sent via certified mail for further details stating that I owed AD ASTRA Recovery Srevices. 

XX/XX/2020 : After the company sent me a letter stating that I had debt, a subsequent message was mailed to confirm validity. 

XX/XX/2020 : This company has negatively reported this debt to Credit bureaus after my dispute and they continue. This has created the following : A consolidated lawsuit : -FDCPA Section 805 ( b ), FTC opinion letter Cass from XX/XX/XXXX.They have not validated my debt yet continue to pursue collection activity. ( {$1000.00} ) -They have not validated debt but continue to report to credit bureaus. ( {$1000.00} ) -Have not validated the debt yet continue to pursue colection activity by filing for a judgement. 

-FDCPA Section 811 ( a ) ( 2 ) : Collector must be in the county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

1 ) I have sent multiple additional payments to USBank CLEARLY MARKED PRINCIPAL ONLY that were applied toward additional mortgage payments/interest against my clear and expressed wishes. I have spent numerous calls and hours with USBank, getting them to manually correct the problem, CFBP Complaint XXXX. USBank insisted I need to use their online payment system and that I can not send a check if I want to prevent this issue. I say it is illegal to cash a check CLEARLY MARKED PRINCIPAL ONLY and to use it to pay interest against my will. However, they changed their online tool to make it easier to make a principal-only payment and I was able to make it work, for a while. 

2 ) I made an additional PRINCIPAL ONLY PAYMENT OF {$6500.00} that was correctly applied to principal, using the USBank electronic system, HOWEVER AGAINST MY WISHES, USBank TOOK AN ADDITIONAL mortgage payment, {$2900.00}, AT THE SAME TIME ON XX/XX/XXXX, for a total od {$9400.00} that caused my checking account to go negative, CFBP Complaint XXXX and XXXX ( second complaint filed because it took me a while to figure out the problem ). 

3 ) I requested that USBank return the {$2900.00} unauthorized mortgage payment to my bank account ( XXXX  ). I did not hear any resolution from USBank, so I reached out to XXXX  about returning the {$2900.00}. They said that they could not return part of the single payment made on XX/XX/XXXX, but would have to return the entire {$9400.00}, to which I agreed. XXXX  credited me the amount back on XX/XX/XXXX, in advance of resolution with USBank, given my good customer status. 

4 ) On XXXX XXXX I received confirmation from XXXX  that the money was refunded, and I subsequently made another attempt an an additional PRINCIPAL ONLY payment of {$6000.00}, from my XXXX account directly since the USBank system does once again does not permit a simple principal only payment but instead links it to a mandatory additional mortgage/interest  payment. The payment was CLEARLY MARKED PRINCIPAL ONLY. However, once again, USBank applied {$2900.00} to a mortgage/interest payment, and the difference to PRINCIPAL ONLY, against my wishes 5 ) I called USBank once again to complain, and they stated they returned both the XXXX funds of {$9400.00} AND an additional {$2900.00}. However, my USBank payment history does not a ) reflect the refund to CHASE of XXXX nor the refund of XXXX, it only shows that I made the {$6000.00} PRINCIPAL ONLY payment, that they AGAINST MY WISHES applied they said I was late on my mortgage and they also charged me a late fee of {$96.00}. 

XXXX ) US Bank states they wired back to CHASE on XXXX, {$2900.00}, Par # XXXX, however it does not appear in my XXXX  account, and this is not recorded in my USBank payment history. USBank now says it's my responsibility to find where the money is and that I need to call XXXX.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (FL)

On XX/XX/2020 I sent a letter regarding 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 2022-09-21
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. (FL)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXX sections XXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX,
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, and how are you doing during this COVID-19? This is directly involves my capital one account with credit limit of {$5000.00} that was marked late on my credit report between or around XXXX 2020 for 30 days late. I was actually shocked when I reviewed my credit report and found that late payment on my credit report. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-04-23
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: Santander Consumer USA Holdings Inc. (CA)

Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS. 
I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I sent a letter regarding 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 2021-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I initiated 2 bank transfers in the amount of {$20.00} and {$130.00} from my Fifth Third checking account ending in XXXX to my XXXX account XXXX and it states that the estimated completion date is XXXX and today is currently XXXX but the transfer is still pending. I contacted XXXX and they said the funds has not been received but the money was deducted from my account the next following day as of XXXX. So Im requesting a chargeback ( refund etc. ) sent back from XXXX in the amount of {$150.00} back to my Fifth Third Bank checking account. Because the money wasnt received as promised. My whole account number is XXXX
Consumer complaint received 2022-07-22
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. (GA)

I ordered a copy of my report last XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the account, I believe it was reporting in error. 

XXXX XXXX XXXX : {$290.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00}