davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have been with Capital One credit card company for almost 9 years. In the last 5 years, that's as far as my credit reports hows ( up until last month I have never been 30 days past due ). I have undergone health issues and my cards balance got high but I didn't miss a payment until XXXX and when I did my minimum due became over {$250.00}. My interest rate is well over 21 % and I begged them to help me because even if I made a payment it would only be going to interest. They refused. They reported me 30 days late. Then in XXXX my minimum due was {$500.00} & same thing they refused to help me with any relief. No matter what I sent them it would only be going to interest so they marked me 60 days late. I refuse to pay just interest and be marked late. I'm not late on any other of my cards they are killing my credit.
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

In late XXXX, I contacted Chase Bank to inquire about re-financing my mortgage to lower my rate and take out some equity. Even with the new amount, I would have lowered my monthly rate by {$10.00}. I have been with Chase about 18 months and never had a late payment. I have a XXXX credit score and my wife has a XXXX score. They said I could do it but, would have to have 18 months of payments in my savings account and charge an additional {$500.00} for processing fee. I am XXXX years old and my wife is XXXX. We wanted the money for some home repairs and pay off some bills. Chase is discriminating against middle income people. Plus, they get re-financing substitutes from the federal government. Can yu help with this problem. Oh, I am also a veteran - Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX e-mail : XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.
Consumer complaint received 2022-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

My Experian credit report contains a total of 7 time barred accounts from XXXX and they refuse to remove them no matter what evidence I have submitted. I am literally in awe wondering how in the world are they getting away with this. There are a few repurchasers of debt that have reinserted my previously removed accounts and changed the date to XXXX when they were originally from XXXX. I have sent them all kinds of prood and Experian just says sorry our information shows that this debt is valid. Then if I try to perform an additional dispute a month later online they won't allow it saying that it is too soon to perform another dispute. That does not even sound legal to me. Can you please help me?
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (MD)

I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX, I sent {$100.00} on XXXX website to my mom in XXXX as part of a recurring transfer. XXXX took the money out of checking account & sent me reference # XXXX as proof of transfer, but they never deposited the money into my moms mobile wallet. I reached out to the mobile wallet company & they sent me all transactions that came into my moms account from XX/XX/XXXX through XX/XX/XXXX. XXXX didnt submit the money to the mobile wallet company. When I called them they said there was a delay so I should give it a few days. I got an email from them saying that there was a problem with the transaction, but they will not refund me any money. I filed a case asking them to give me proof that they sent the money to the mobile wallet company including confirmation number so that my mom will take it to her mobile wallet company & withdraw the money. After waiting for 30 days, they told me that I need to open a different case. Ive opened a total of three cases, but they have not provided the proof that my mom will need to withdraw the money from her mobile wallet. Each time I call, they keep asking to open a new case to get the proof of payment, but they refused to provide the proof. This is just {$100.00}, but what if theyve done this to other people who have gotten frustrated & given up? I would like a refund or the money given to my mom since theyve already taken the money out of my account.
Consumer complaint received 2022-09-11
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXX Collections Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MO)

I was forced to sign an IRS document sharing information between the IRS and discover card. I am not legally obliged to do so, and they forced me to close my accounts. They closed my online and app accounts ( on phone and mobile ) and did not allow me to make any further purchases. Being left in the dark for two weeks, I then had my account closed for no reason. They say it's a " business decision. '' I then have to call in, and the people I spoke to are not even the same team who closed my account. The only way to get in contact with them is by mail. My credit score was also hit due to closing an account on my record. It is absolutely terrible business practices coming from Discover Card. 

I will follow through and hopefully bring Discover Card to a small claims court.
Consumer complaint received 2018-12-16
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: DISCOVER BANK (AL)

Issue : DISCOVER CARD refuses to resolve a dispute for falsely advertised product. DISCOVER favors the merchant. 

- I purchased a reproduction of oil painting from XXXX - Painting was sent damaged due to improper painting, and it was not as advertised - I tried to work the issue with the seller - Seller tried to sell me another wrong picture (! ) - Seller would not issue a return label citing their own return policy where the buyer has to pay for returns. This policy does not states this for non conforming products, or products damaged in transport, or different from what was advertised. 
- I tried to work out a solution with the seller on the return ( it costs almost as much as the picture itself for shipping back due to no fault of mine ) ; - I have opened a dispute with DISCOVER documenting all these issues ; - 30 days later DISCOVER closed the case in favor of the merchant as a " legitimate transaction '', with no reasonable explanation of why ; - Original wrong painting was never replaced ; - There was no refund attempted ; - Reopened the case with DISCOVER at my request, after I questioned their decision ; - I was told verbally that the resolution may be the same, again in favor of the merchant ; All the documents are already uploaded on the DISCOVERY web site for disputes. Should you need the documents please let me know and I will send them as well to you.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. Also 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2019-12-06
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)

my credit report on XXXX XXXX shows 3 hard inquiry 's which i disputed with XXXX  as unauthorized. their response # XXXX dated XX/XX/XXXX indicated the " results were a factual record of file access ''. they advised contacting the creditors " if you believe this was unauthorized ''. multiple phone calls resulted in refusal of any of these companies to either justify their inquiry with evidence or to request its removal from my credit record. they are XXXX XXXX XXXX Ca XXXX XXXX, XXXX ; Institution Information XXXX XXXX Ca XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XX/XX/XXXX. 
In each case the companies transferred me to multiple departments and attempted to require me to document details of the questioned inquiry 's and of course I do not have any such details such as which of their customers or departments triggered the inquiry.
Consumer complaint received 2022-08-10
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. (GA)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-08
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Rushmore Loan Management Services Has violated my right to privacy according to The Fair Credit Reporting Act under 15 USC-1681B Section 602A.Rushmore Loan Management has also violated my right under 15 USC-1681A Section 604A Section2 which also States a consumer reporting Agency can not furnish an account without my written instructions. This account is at a {$0.00} balance no further obligation on this account Rushmore Loan Management have not given a 1099-C form for filing as I am Required to file on tax forms in which would be counted as income. I have no other obligations to this account and is at a {$0.00} balance. This has been an embarrassment as well as a hinderance for my family and I moving forward in being Qualified for possible Mortgage lenders.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXX XXXX  INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The credit agencies are reporting that I owe child support inwhich I do not on order to report such an issue one has to be summoned by the courts, however in my case the courts stated that I do not owe child support, so I'm asking that the credit agencies remove and block the issue from my report.
Consumer complaint received 2022-04-08
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. (IL)

I opened a dispute regarding a bankruptcy on my credit report with Experian many times and they continue to close out the dispute stating that it has been verified but never provide me with documentation as to how they verified this. 

When I asked them to provide me with information on who verified the Bankruptcy, they ignored me. I was able to find on their website that they verify all public records with XXXX XXXX so I reached out to XXXX XXXX and they were not able to verify the bankruptcy so they deleted the bankruptcy from their reports and they sent me a letter stating that ( attached ), along with a new XXXX XXXX report showing the report was removed. 

https : /XXXX I also sent a letter to the courthouse where the bankruptcy on the report is stating the bankruptcy is from, asking if they verify any bankruptcies with any credit bureaus and they also sent me a letter back stating that they do not verify any bankruptcies with any credit bureaus. ( attached ) I sent all this information ( letters ) to Experian via certified mail and they received it on XX/XX/XXXX, proof of delivery is also included in this complaint. I called Experian today because there have been no remarks added to the bankruptcy about the dispute since the XXXX and I cant get through to anyone. Today they closed the dispute and once again and failed to provided me with information as to how they verified the Bankruptcy. 

At this point, I have no choice but to open a complaint with the CFPB in hopes of getting this resolved, they have made a serious impact on my credit for something that doesn't belong to me. My next step will be legal action against Experian if this is not resolved.
Consumer complaint received 2022-04-08
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. (LA)

Experian hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX Experian is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went to make a purchase on my debit card and it was decline, after several attempt to purchase and being decline ; I contacted the bank by phone. The representative stated that everything was fine and it appeared that a new card was being issued, so i went to the bank to withdraw and find that my account was being closed and that I can only put money in, but not withdraw. I was given a number to call, but was unable to make contact due to the weekend. I followed up Monday morning, both in person and by phone too no avail. After the bouncing around by the bank, I was finanally told that my account was being closed for a deposit made and that I want receive my money out of my account until XX/XX/XXXX by cashier check. I was not given an option to close out my account and due to my bankruptcy this cause my case to be dismissed for non payment.