davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, XXXX and TransUnion about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than XXXX or TransUnion. XXXX and TransUnion both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.
Consumer complaint received 2022-07-05
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. (FL)

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc (NY)

On XX/XX/2021 I received via XXXX XXXX a XXXX  from XXXX. I refused the XXXX  at that moment and had XXXX take it back. XXXX had provided me with a cancellation number. On that same day, I had contacted XXXX via email informing them that I am refusing the XXXX XXXX received the XXXX  on XX/XX/2021. Both, XXXX and XXXX continued with the loan without my knowledge. Then, I noticed that XXXX was still charging me for the returned XXXX I tried to reach out to XXXX from their website with no such help. When I typed messages to stop payments, I will get back a message to contact the merchant. I had called XXXX numerous times and I've never received any help nor assistance, but they continued to take my money from my bank account. Therefore, a stopped payments was done through my account. Finally, I was able to communicate with XXXX and it was useless, as XXXX did not assist/helped nor returned my calls to inform me that I had 30 days within to contact them to stop the payments, but on XXXX XXXX website it clearly states that the individual needs to contact the merchants themselves, which I have. XXXX deliberately kept the XXXX without informing XXXX and XXXX also kept the loan and the returned XXXX
Consumer complaint received 2022-07-05
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, XXXX bank Account # XXXX, XXXX account # XXXX, XX/XX/AMAZON Account # XXXX XXXX XX/XX/CARECREDIT 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (SC)

The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which, to my understanding charge off accounts should NOT include an active payment history. Need I remind you this falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX Account # XXXX Also please take into consideration that according to the IRS website a charge off is considered ordinary income which means that this is an inaccurate account furnishing on my credit report and I have proof of why it should be gone. It's cancelled debt and the company has filed it on their taxes but are also reporting it on my credit report as debt. If a charge off is considered ordinary income how could it be furnishing on my credit report as debt? The IRS website mentioned that the company was supposed to send me a 1099-C form so I can file it on my taxes as income. This is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2022-07-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (TX)

Discover Bank has had a rash of fraud on their accounts. I got an email on XXXX XX/XX/XXXX, about an authorized activity on my account. I did not click on the email, but went to the website and tried to log in. It was locked and told me to contact their fraud department. When I called it said the wait would be over XXXX hour. I sat on hold for XXXX hour and XXXX minutes and had to hang up because I was at the doctors. For the last few days I have been calling trying to get a person to no prevail. After XXXX hours on hold their phone system hangs up on you. Their customer service refuses to help you and tells you there is nothing they can do. 
XX/XX/XXXX XXXX hour XXXX minutes- had to hang up XXXX seconds- said the wait was over XXXX hours XXXX hours XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XXXX minutes - system hung up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours- had to hang up XX/XX/XXXX XXXX minutes- said the wait was over XXXX hours XX/XX/XXXX XXXX hours XXXX minutes - system hung up They have frozen my funds with absolutely no way to contact a human to assist me. Their customer services answer is we know about the problem and are working on fixing it, but you just have to keep calling until you get to a person. They will not help you, they flat up refuse to let you speak to a supervisor. If i needed these funds for any reason i would have no way to access my money.
Consumer complaint received 2022-07-05
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

I noticed unauthorized inquiries on my report & noticed someone had applied for something in my name. according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed. 
Company -- -- -- -- -- -- -- Date -- -- -- -- -- -- Authorized/Unauthorized -- -- -- -- -- XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX ( Bank ) XXXX XXXX  unauthorized 3. XXXX XXXX XXXX XXXXXXXX ( XXXX ) unauthorized XXXX. XXXX XXXX ( Bank ) XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX unauthorized XXXX Bank ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX unauthorized XXXX. XXXX XXXX ( XXXX ) XXXX unauthorized XXXX XXXX ( XXXX ) XXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXXXXXX XXXX  XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized
Consumer complaint received 2023-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

I am writing to dispute my payment made on XX/XX/2023. I paid my full XXXX balance of {$880.00} via autopay on XX/XX/2023. On XX/XX/2023, I paid {$1100.00} towards additional principal via Volunteer Mortgage Loan Servicings ( VMLS ) website. I selected custom payment and put in {$1100.00} beside the additional principal box. I have done this every month for the past XXXX  years. I then got a confirmation email which I will attach copy of to this letter, expressly stating that my payment was applied towards my principal balance. 
However, on the XXXX of XX/XX/2023 my auto payment was not deducted from my bank account. I waited a XXXX  days to see if the system was running behind, but the auto-payment was never taken out. On XX/XX/2023, I spoke with XXXX XXXX, a representative of VMLS, who informed me that the XX/XX/2023 payment of {$1100.00} dollars was applied to my monthly XXXX payment which was due on XX/XX/2023. XXXX XXXX sent me a screenshot of my payment history to confirm that the XX/XX/XXXX payment ( which was dated as XX/XX/XXXX on VMLSs system ) was used for my XXXX monthly payment. I have attached the screen shot he emailed to me. 
By not applying my XX/XX/2023 payment to additional principal, as the website and confirmation email confirmed, XXXX is in violation of Section 5 of the FTC Act ( 15 U.S.C. 41-58, as amended ). Mortgage servicers are required to credit the payment to the account by which it was paid on the day of the received payment. Further, the online payment system and the confirmation email both showed that I had paid additional principal, which makes the {$1100.00} payment not being applied to additional principal is deceptive and fraudulent. This practice is not only unfair, but it subjects the borrower ( myself ) to additional interest payments that would not have been required if that amount had been applied to additional principal.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MN)

Placed order with XXXX on the date of XX/XX/XXXX for # 2 XXXX XXXX XXXX XXXX XXXX extra large capacity red blue the cartridges {$300.00} were to be delivered next day overnight and they were delivered to the wrong apartment complex next door from XXXX XXXX XXXX XXXX delivered to the wrong mail room at XXXX XXXX XXXX XXXX contact by that of representative with XXXX at XXXX. stating she was leaving package in hallway I informed her she could not do that she left package in the wrong mail room next day packages were picked up By that of XXXX confirmed on video cameras including a second pack of latte coffee cans6pk. Contacted citi Bank filled dispute same day of missed delivery XX/XX/XXXX sent dispute emails receipts documents via email to : XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX citi bank to date has refused to apply the required provisional credit for said dispute as required by federal fair credit billing reporting act, Reg E. FEDERAL ELECTRONIC FUNDING TRANSFERED ACTS AND MAIL ORDER ACT
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/year> does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Timely Payments : I have consistently made on-time payments throughout the life of the loan, and I have documentation that supports this. The late payment reported for XX/XX/year> does not align with my payment history, which indicates no missed or late payments prior to this instance. 
Payment Processing Delay : The payment for XX/XX/year> was submitted within the required timeframe, but there may have been an internal delay in processing, leading to the incorrect reporting of a late payment.

Dispute Already Filed : I had previously filed a dispute regarding this issue, which was marked as resolved. However, the inaccurate late payment entry remains on my credit report, which has negatively impacted my credit score.

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XX/XX/XXXX, I received an approval letter for a covid-19 deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as 120-149 days past due and XX/XX/XXXX being reported as 90- 119 days due.

I want this lates removed off my consumer report.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I filed an insurance claim for a roof repair. When the checks came in my ex-spouse, the mortgage company, and I all properly endorsed the checks and I gave them to the contractor for the repair. ( I did not know at the time that I should have deposited the checks myself and when they cleared paid the contractor. ) The contractor deposited the checks ( totaling {$11000.00} ) into his Chase Bank business account on XX/XX/2022. The checks were accepted for deposit into his account and despite the checks being drawn on another Chase Bank account he was told that there would be a 7 day hold on the funds. At the end of the 7 days it looked as if the funds had deposited into his account and he completed the roof repair. On XX/XX/2022, Chase Bank removed the funds from his account claiming fraud ( and closed the contractor 's account ). The bank wanted all of us to go into the local branch to prove our identities. My ex-spouse does not live in the same area anymore and we were trying to find out if he could go to a branch local to him when the Chase Bank representative informed the contractor that the checks were being shredded and I would need to request they be reissued. I contacted the adjuster working my claim to request the re-issuance of the checks only to be told that Chase Bank cleared those checks from the insurance company 's account on XX/XX/2022 and the funds could not be reissued. When I received the recoverable deprecation checks for this claim I went to Chase Bank with my ex-spouse to cash the checks. Chase Bank refused to cash the checks even though they were drawn on a Chase Bank account. I had to open an account and then my ex-spouse and I had to go through an " identity verification process '' to enable the funds to be released after a 4 day hold. I asked about the other funds that were in Chase Bank limbo so I could pay my contractor, I was told that now that my ex-spouse and I had come in the contractor should be able to get the funds. No, he has not been able to get the funds, the bank refuses to deposit the funds in my account so I can pay the contractor, and now I am facing a mechanics lien from the contractor and since I have sold the house a possible lawsuit from the new owner. All because Chase Bank claimed that the checks were fraudulent after the funds had already cleared the insurance company 's account. If this were an individual stealing in excess of {$11000.00} it would be a felony. Please advise as to the recourse for an individual when a bank steals in excess of {$11000.00}.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (IL)

My daughter was born on XX/XX/XXXX. I am filing a complaint against XXXX XXXX and Americollect. XXXX XXXX stopped communication in regards to the account/claim from XXXX. I have been in contact with them from date of service until XX/XX/XXXX. They did not contact me by phone or email to tell me they werent going to bill my PRIMARY Insurance nor that they were sending it to collections. Aside from improperly sending it to collections without collecting insurance payment when given accurate group information. They also sent the same bill to Americollect twice! They put 2 hits on my credit report ( XXXX ) and I lost nearly 50 points due to their negligence and unprofessionalism. My primary ( XX/XX/XXXX ) and secondary insurance ( XX/XX/XXXX) should have been billed before anything were sent to a collection agency and I should have been contacted to complete a 3-way call if the claims were denied or difficulties with submitting.
Consumer complaint received 2024-10-09
Product: Credit 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)

I am writing to formally lodge a complaint against Chase Bank for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a XXXX  scheme based in XXXX. Despite providing XXXX XXXX  XXXX with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their XXXX  scheme operations. 

Under Federal Law, it is Chase Banks 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Chase Bank has FAILED to address ALL of the charges resulting from this Ponzi scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on me.
Consumer complaint received 2020-04-01
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. (PA)

Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern, I signed up for a capitalone business card on XX/XX/XXXX last year. The reward was to spend XXXX in 6 months to receive {$2500.00} bonus and a {$500.00} bonus. I spent XXXX in 153 days however I was told that my 6 months ended on XX/XX/XXXX not XX/XX/XXXX ( which is the date thats actually 6 months later ). I didnt even receive my card until XX/XX/XXXX or at least 3-5 days later.. I filed a complaint with the card and the manager on the phone agreed with me and said that there is nothing in the fine print that would be preventing me from receiving the reward. I then received an email Ref # XXXX saying I didn't spend the money in the correct amount of time. Well I was given only 153 days. not 180 days. This seems quiet misleading. it should have been until XX/XX/XXXX. 

XXXX XXXX XXXX