davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I have a checking account with Santander Bank, XXXX XXXX XXXX, XXXX New Jersey XXXX ( XXXX ). I also have a debit card which is attached to the checking account. When using the debit card with another Banking or ATM vendor, I 'm given the opportunity to accept the charges for their services and if I agree a fee is charged by the company where I 'm completing the transaction. Santander Bank then charges me a {$3.00} fee for not using one of the ATM at one of their branches. I 've spoken to management at that branch and I 've filed a small claims complaint in XXXX County Superior Court. A default judgement was awarded against Santander Bank, but I never received any further documentation from the court. On occasions as recently as XXXX XXXX, 2017, one of the {$3.00} fees was withdrawn from a negative balance and the bank charged me an addition {$35.00}. I have never authorized Santander Bank to withdraw the addition fees from my checking account or from any account which I have with Santander.
Consumer complaint received 2017-07-05
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. (FL)

After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a XXXX  XXXX account I paid off on XX/XX/XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XX/XX/XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I am filing an official complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) following my identity theft dispute. Despite providing evidence of identity theft, including my FTC Identity Theft Report and police report, Experian has failed to act in accordance with FCRA regulations to remove the fraudulent information from my credit report.I have been a victim of identity theft resulting from the XXXX XXXX breach, which has led to the inclusion of incorrect names, addresses, and employers on my credit report. Despite multiple attempts to dispute and resolve this matter with Experian, they have not taken the legally required steps to address these inaccuracies. Below are the details of the violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Experian is required by law to block any information resulting from identity theft within four business days upon receiving proof. Despite providing all necessary documentation, Experian has failed to block the fraudulent information associated with my identity. Due to Experian 's failure to comply with FCRA regulations, I continue to experience the following : Violation : Failure to block the fraudulent names, addresses, and employers associated with identity theft within the mandated timeframe is a direct violation of this section.

Damage to my credit profile due to fraudulent names, addresses, and employers being listed on my report.

Inability to obtain credit or financial services because of the inaccurate information remaining on my report. 
Emotional distress and financial hardship caused by Experian 's refusal to act within the legally mandated timeframe.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

On Saturday, XX/XX/XXXX, I attempted to log into my online chase account. Instead of accepting the login, I was greeted with the following message ( screen shot included ) " Because of recent activity on your account, we've suspended your chase.com access for your protection. Please call us at one of these phone numbers ( depending on the type of account you have ) ''. 

This was followed by a list of phone numbers for different areas of the bank. I have personal savings, checking, joint accounts and credit cards with Chase, so I chose to call the # for banking as instructed. 

However, upon reaching a representative I was told my account has been permanently suspended, that " nothing '' could be done and all accounts would be closed at the end of the month. She could not tell me why and informed me that if I wanted to know I had to go into a branch to talk to a banker. She also stated there was a note on the account stating I had been notified. This was 100 % false, as I only learned of the situation when I tried to log into my account ( that had been working fine a day or 2 previously ). 

Upon learning this disturbing information from the phone representative, I was compelled to drive 86 miles round trip from where I was at to the nearest branch. 

I met with a banker. He accessed my account and called a higher customer service number. I was told he sees this situation from time to time where accounts are closed and Chase never offers a reason ... not even to the bankers. 

Keep in mind, when I try to log in online, the message states my access has been " suspended for my protection ''. The message says nothing about account closure. 

I fail to understand how closing all of my credit cards that are consistently paid and not in default " protects '' me. My credit score is over XXXX and I have been loyal to Chase since the XXXX 's and referred numerous customers over the years. If there is an issue of concern, at least have the decency to tell me what it is so that I may correct moving forward. 

Also I am concerned they have extended this issue to my Mother, with whom I am on a joint account with. Her involvement with Chase is limited to her personal checking and savings accounts. I would be ok with removing me from them if this is an issue.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

The Company started repeatedly calling me and not leaving a message I was in a business meeting and was unable to answer. Once I was free to talk I called the company back. I spoke with a lady that was very rude and kept changing her story and would not give me straight answers. Each time I would ask question she would get upset and interrupt me while in conversation. I asked her if I could set up payment arrangements and she said yes but it would still count against my credit if I did not pay in full by XX/XX/XXXX Think that was date. I asked for a detailed description and told her I wanted to dispute it. She told me that I could not dispute it because it was medical bills that if I wanted to dispute it I should take that up with my insurance company. <P/>I was trying to ask question to understand what my options were and what was going on and get clarification on the debt. When I would question what she said because it contradicted what she had already told me she got angry and She hung up on me. <P/>I called back and asked for a supervisor I was told she was the only Supervisor working on that Friday. I explained to her what had happened and how the girl told me that I was not allowed to dispute the charges and she told me that I should have received a bill and an explanation of benefits and she told me I had nothing I could dispute. That I needed to pay it or it would be reported to the credit agency. She also told me there were more accounts that letters were sent out on and that I should get those paid. I asked for details on those and ask if they could give me some more time until I received the documentation and had time to review it. She said that they could do it but she did not feel like she should. When I questioned her on the policy she got upset and threaten to hang up. I told her I would call back and ask for someone hire up and she told me that I would not get anyone above her. She also said if I kept calling back she would block my number. I asked her how I could call in and make a payment if she blocked me. She just hung up on me. <P/>I called her back and left a message to make a payment and she would not call me back. Not sure how it is ok for them to call me over and over again but I cant call and get any answers. <P/>I also called them on XXXX-17 to ask why after i paid my bill keeps going up rather than down and asked for a detailed accounting online that i could look at as my accounts should not be combined with others. they told me that they use that website for payment purposes only. I told them that i needed the ability to see online or in writing somewhere what the charges are for she told me that there was no place and that i could not keep accounts separate. If the charges are for different people they may need to be paid separately out of different accounts i asked to have them link especially since they are not tied to the same SS #
Consumer complaint received 2017-07-05
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. (FL)

On numerous occasions, I have contacted   XXXX    & Tr ansUnion to notify them that I am no longer liable for   XXXX    XXXX   XXXX  and requested that they be removed and they have failed to provide any relief. This account was transferred and closed over 2 years ago and I am no longer liable for them. The new creditor  XXXX  is now servicing this loan and reporting it. Furthermore,  XXXX   &  TransUnion continues to allow  XXXX   XXXX  to report information that is not 100 % accurate.  XXXX   XXXX  is reporting that the account is late but there is no balance. This looks as though {$0.00} is late which is incorrect.This information remains to be inconsistent across all  XXXX  bureaus and not 100 % accurate. I received a letter from  XXXX   & T ransUnion stating that they will not re-investigate this erroneous reporting.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Lowe 's / Synchrony is charging me {$1.00} every month to mail me my bill. I have called them and asked that i not be charged for this. They have told me the only way to avoid this monthly fee is to register to receive their billing electronically. When I initially got this card for new windows and doors, i was told it would be interest free or eighteen months. I was not told and was not initially charged to receive a paper bill.. This new paper bill fee was added when i was within my 18 months of zero interest. I have now been charged for seven months. i would like these fees reversed and they not be charged in the future.
Consumer complaint received 2017-07-05
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. (AZ)

I have contacted XXXX on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX XX/XX/XXXX7 2 ) XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by XXXX and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No.  XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues
Consumer complaint received 2018-04-15
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)

Only Experian credit bureau has been reporting a Public Record file on my credit report as a result of identity theft which they were previous made aware of. This company shouldn't be entitled to enforce inaccurate credit information on my credit profile. They were made aware before, someone with a similar name credit file was merging with my credit report as a result of identity theft. The accounts have since been removed but this 1 Public Record still exist. I pulled a PACER- Public Access to Count Electronic Record ( attached in file ) which clearly shows an address that doesn't belong to me ( or on my credit report ), and nor does it show a full SSN to fully identify a true match. 

I tried resolving it through Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( same letter again but with a birth certificate as they requested ), and XX/XX/XXXX. I even went as far as contacting the Illinois XXXX Bankruptcy Courthouse on XX/XX/XXXX via phone and letter directly, and received a written response that stated, " ... In order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis, and our database does not have any records for an exact match of you ... '' I sent the documentation over to Experian, and they still have not responded back with a removal.
Consumer complaint received 2018-04-17
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. (UT)

There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

I was shocked and alarmed when I received my credit report. 

Creditor : WELLS FARGO MORTGAGE ACCOUNT # XXXX I was never late 30,60,90 days on the date (XX/XX/XXXX) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX which manages the card I used through XXXX XXXX charged 28 % interest on a 12 month same as cash purchase from XXXX. My total purchase price was {$13000.00} of which I made on time and regular payments each month leading up to the end of the promotion. Unfortunately I missed the cutoff date to pay off the account and was charged {$3800.00} in interest. I have tried on several attempts with XXXX XXXX to get the interest removed and paid the full amount due while I was discussing this situation with XXXX. I was lead to believe that they would remove they full amount if I paid the account balance off but that did not occur. I would never ( and never will again ) use this service given the predatory rates and practices at XXXX. 

Research done through XXXX also shows a history of poor service and unfairly high interest rates which has earned XXXX a rating of D+. I'm sure they would have an F if allowed to give them 0 stars instead of min of 1.
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MS)

On XX/XX/XXXX I went to my PayPal account to make my payment, but the credit link was not there. I thought it might be a glitch, so I tried again on XX/XX/XXXX, with no luck. On XX/XX/XXXX, or XX/XX/XXXX, I tried again. Still no credit link, so I called customer service. The woman I spoke with said that PayPal had done an internal audit, and found that I had filed bankruptcy. The account was closed, and I could no longer make payments to that account. I said that didnt make sense, and that I wanted to speak with her supervisor. When he got on the phone he said that because I had filed bankruptcy in the past, I should have never gotten credit to begin with. So in accordance with PayPal rules, and regulations the account was closed, and written off, and I was no longer responsible for that account. I asked for written confirmation to that fact. He said he would send me an email, but all I got was an email saying that I had a message in my secure PayPal message. I went to my messages, and there was no message. 
When I checked my email the night of XX/XX/XXXX, I received an email that my PayPal account was available again. After being told that it was closed, and written off 6 weeks before. So I called back on XX/XX/XXXX, or XX/XX/XXXX, and was told that oops, we made another mistake ; I was responsible for the account again. 
This is wrong. PayPal shouldnt be able to do that. 
I am XXXX, and live on a fixed income. I have been trying to pay off my credit accounts, so when that supervisor said it was closed, and written off I expected it to stay that way. 
I have been trying to find someone that could help me with this problem since I found out about it, but no one has been able to help me. Then I called the XXXX, and they told me to contact the CFPB. I hope you can help me with this problem. 
Thank you.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I previously held a checking account with XXXX XXXX XXXX XXXX XXXX, and overdrew my account. I have since paid the debt in full with there attorney. However they did not accurately report that this debt has since been paid in full as of XX/XX/2017 and it's still reflecting with ChexSystems which will not allow me to open accounts at other financial institutions. Please correct immediately.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Consumer complaint received 2017-07-05
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. (AZ)

I have contacted TranUnion on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX/XXXX XXXX/XXXX/XXXX 2 ) XXXX XXXX 3 ) XXXX/XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by TransUnion and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN :  XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANKUNITED, NATIONAL ASSOCIATION (DC)

I am trying to make my first mortgage payment to Bank United, to whom my mortgage was sold after origination. Apparently, in order to make a payment, I need to pay a {$10.00} " processing fee '' ( see text from their website below ) : " Your payment must be submitted prior to XXXX XXXX ET to ensure it is posted on the same day. If this day falls on a weekend or holiday, the debit will take place the next business day. Please note when scheduling your payment, you will be charged a {$10.00} processing fee. This service allows you to schedule a future loan payment, provided they are within 10 day ( s ). After your payment is submitted, it may only be cancelled by contacting Client Care Center - Opens Dialog at least two full business days prior to the scheduled payment draft date. '' {$10.00} is small in the grand scheme of things, but it seems ridiculous for them to charge me for the " convenience '' of auto payments to them. When I spoke with a representative, they told me that if I do n't do bill pay from my financial institution or send a check, then I have to pay {$10.00} every time I make a payment through their system. Perhaps this is perfectly legal, but it seems like a " hidden '' fee.