davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-03
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. (PA)

I 've asked Experian to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which Experian must have on file and received nothing to day. Last correspondence stated Experian will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at Experian request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question Experian 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Since XX/XX/2023 I have been disputing inaccurate information within my credit report but have not been getting a response from XXXX, Experian. Even one of them ask for verification that its me when i sent my information of verification. XXXX, sent information but all they continue to tell me is that its verified without any information that i asked for
Consumer complaint received 2023-05-11
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. (TN)

During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the XXXX quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX. My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.
Consumer complaint received 2023-05-11
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: ALLY FINANCIAL INC. (CO)

ALLY Financial ; has denied my payments and returned many debt notes back to me and has reported to the reporting agency for months late with payments that was never late and has kept me from future consumer goals.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C. (IL)

I purchased furniture from XXXX XXXX years ago. I was making regular payments on the furniture. The furniture broke. I called them about repairs. They stated they would not fix the property. My funds were not able to cover the amount owed now they are trying to file a judgment against me.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2023 I issued a check in On-Line XXXX  to pay off an Auto Loan with Chase Auto for the amount of {$45000.00}, this check was cashed on XX/XX/2023 satisfying the loan. XXXX, without approval, re-issued a redundant check to Chase XXXX on XX/XX/2023 for the same amount of {$45000.00}, Chase Auto cashed and applied this check on XX/XX/2023, to an account under my son 's name paying off his loan which was well less than the {$45000.00}. This was done without any communication, nor authorization or any form of consent. I have spent in excess of 8 hours on the phone with both XXXX & Chase, been to both bank branch locations numerous times without resolve. I have been promised a refund 3 times without it being sent. This has been going on for so long that I feel that Chase Auto has criminally stolen my funds and should be held in some type of legal justice and offer me some type of compensation for the time spent and the financial jeopardy that I have suffered from. I want my funds back now!
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BMO Bank, N.A. (IL)

I contacted my bank over a year ago XXXX, they have tried to reach out to BMO. BMO has not responded to XXXX. XXXX has asked that I reach out to BMO, which I have. 

My money order was stolen and cashed on XX/XX/2021 for the amount of {$290.00}, claims have been filed, but not responded to.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY
Consumer complaint received 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: HYUNDAI CAPITAL AMERICA (OK)

Tried to get a loan approved through XXXX XXXX XXXX XXXX in Oklahoma. Loan got approved for a 2023 XXXX XXXX, XX/XX/2023. Didnt have any issues with the loan since the day we were there but a week or so ago the finance manager from the dealership started harrasing us for a paycheck and a paystub from my employer. Gave them all the information and no issues. Few days go by and more harrasment from this financial manager asking for employement verification. Told him that I couldnt get ahold of my manager/supervisor since I work off shift. He kept calling and texting us for a few more days. Last call he made I told him that I wasnt satisfied with their customer service and wanted to give back the car and stop the deal from happening. XX/XX/2023, me and my husband decided to head back to the dealership and talked to another manager to sort things out. No manager was available so we left. Went back today XX/XX/XXXX and a guy named XXXX said that the loaned got approved but refused to show any evidence. We called the financial institution and they didnt have any information on their system stating that the loan was approved. He then left the office to go get a finance person. Came back and nobody from finance came into the office to talk to us and XXXX kept being very condescending about the situation and even congratulate us, in a sarcastic manner, on being owners of the vehicle. He even told us that if we left the car it was getting repossessed. Then he proceeded to say Im done here and left the office and left us. After that, we stood up and left the car with the keys in that office.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I do not know who IC System is, claiming XXXX and a debt of {$120.00}. 
I have not had a XXXX account since XXXX and, as this is XX/XX/XXXX, this claim was opened in XX/XX/XXXX, does not appear on my last full report dated XX/XX/XXXX. This is likely fraud and should be removed one way or the other.
Consumer complaint received 2023-05-11
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: I.C. System, Inc. (TX)

I have three accounts on my credit report that I have not authorized. The following accounts are : XXXX XXXX ( {$430.00} ), XXXX XXXX ( {$1800.00} ), and XXXX XXXX ( {$260.00} ).
Consumer complaint received 2023-05-11
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. (FL)

I submitted a complaint last XX/XX/XXXX  and it was closed immediately. I submitted a complaint again last XX/XX/XXXX  and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-11
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. (CA)

Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using Experian but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( XXXX, Experian, XXXX ) Regards, XXXX XXXX XXXX XXXX, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Blakely-Witt and Associates, Inc. (TX)

My XXXX XXXX used my bank account info to pay a {$4100.00} debt. This was fraud and has effected me greatly, in multiple aspects. My bank tried to retrieve the money the next day, but the bank it was wired to responded that the funds were not available. My XXXX XXXX  is being held liable legally, but I desperately need my money back. I am a XXXX  father of XXXX. I know I am not on the account, but she has also reached out on my behalf, and has promised to pay the original debt in full if I can be returned my money. This was fraud and she was not an authorized user on my account. My bank account is now securely locked and all passwords changed. I really really need these funds returned.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (ND)

The STATES RECOVERY SYSTEM reported a debt collection on my credit report, while I have not owed any debt to the STATES RECOVERY SYSTEM. I have contacted the STATES RECOVERY SYSTEM and disputed this issue several times through XXXX this year, but the STATES RECOVERY SYSTEM never removed this debt collection from my credit report. 

At this point, I have to contact the CFPB and I really appreciate that the CFPB would help me out.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Upgrade, Inc. (KY)

I opened this account for home XXXXmprovements. I wasn't aware of the difference of how this visa credit card compared to a normal credit card. I later realized this was a credit line draw account. How payments are being applied to the account is confusing as well. I even applied additional payment to see how that would change the balances of the oldest credit draws on the account. 

I went on XXXX XXXX orders XXXX XX/XX/2022. I didn't have time to request SCRA until XX/XX/2022. This is when the account went crazy and nothing makes sense. 
Statements and draws changed over the course of the month. Min payments on the account do not reflect statement minimal due. Account then goes into default I have to call or email about the issue and they change everything again. They stated multiple time when i take a new draw the whole transactions has to be recalculate like the system can't compute the new interest rate. Which the account doesn't reflect the new SCRA rate still says 15.99 %. I was never told of what the actually credit amount was applied to my account. My rewards balance went negative for months and no one was able to correct until recently but still doesn't make sense. If I'm suppose to get 1 % cash back that shouldn't change or decrease when going into SCRA terms. Interest and principal being applied to the account each payment shows how much of the payment is applied to the principal and to interest but I can't access past breakdowns. Resolutions states its on my statement but the numbers do not add up with data from the site and on statements. I also don't believe my balance is accurate per my transactions and payments but with lack of clear data and messy statements and entire transactions being changed on statements. Also when i requested SCRA I received a NON-NEGOTIABLE PROMISSORY NOTE Date : XX/XX/2022 ( " Effective Date '' ) i thought this was weird and unethical after requesting SCRA on XX/XX/2022.
Consumer complaint received 2017-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (CO)

XXXX XXXX XXXX ( loan company ) and XXXX XXXX ( seller ) both claim the other has to change the due date, which is necessary because I continue to receive the my pay check by actual check on the day the loan as due. If the check comes in late, which it frequently does, the check does not clear until the next business day. 

The Loan company charges extra for payments on their website without bill pay XXXX XXXX, first claimed they could extend the due date every six months but not change the date. They claimed the seller could, the seller claims they could. I made this call on the XX/XX/XXXX. 

They extended it until this month and called before XXXX XXXX local today to complain that I had not made the payment. Now they will only extend it to XX/XX/XXXX. And after that they will do it only month by month. 

And continue to call before XXXX XXXX local
Consumer complaint received 2017-12-03
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. (WI)

On XX/XX/17 my XXXX XXXX collection account balance was settled in full with XXXX XXXX, which should have been updated with the credit bureaus with a {$0.00} balance. 

The XXXX reporting has been updated, but the XXXX and Experian records are still reflecting a {$2500.00} balance owed. I contacted XXXX to update ; however, they stated I needed to work with XXXX. I contacted XXXX ( local and national ) in XX/XX/XXXX, requesting the update ; however, no response or update has been received. 

A copy of the account resolution from XXXX XXXX ( password XXXX ) and letters to XXXX ( local and national ) are attached.
Consumer complaint received 2023-05-11
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: JPMORGAN CHASE & CO. (CO)

I applied for and received two credit cards ( one for personal, one for business ) from United Airlines ( United Explorer card and United Business card ). I decided on these cards largely because each card offered two United Club one time passes. Recently, when flying United, I have tried try to use these one time passes only to be denied access. The Club in XXXX and in Washington ( two recent examples ) have a sign saying, " No One Time Passes at this time. '' Terms and conditions say that access is based on availability -- it does not say other members or that first class passengers will be given priority. I've been unable to use at least two of my passes and now they are expiring. The cards each cost {$95.00} per year. I feel deceived. United 's claim that card holder receive " Two United Club Passes '' is misleading and false. I called Chase and they referred me to United. I called United and they referred me to Chase. Chase then referred me back to United. No solution offered. I'd like my money back or other proper compensation.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On XX/XX/XXXX I deposited a check of {$2900.00} to my Capitol One checking account online. I then got an email stating it was being processed. A few moments later I got an email saying it was successful and that the amount will be available in full on XX/XX/XXXX. Then on the same day, I received an email stating " We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you don't have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. '' I was not made aware of the reason. The next day XX/XX/XXXX I called the bank in order to ask questions and was immediately sent to voicemail. I was not too worried about it as this was a small amount of money. I tried calling a couple more times only to receive the same response. Sent straight to voicemail. 

On XX/XX/XXXX the check was reversed without any notification I noticed this on XX/XX/XXXX and tried to call the bank still sent to voicemail due to my account status. 

XX/XX/XXXX I called the bank that morning after noticing my savings account was closed. I was not made aware of why. Then received a call saying they couldn't verify the check and that the bank was " no longer doing business with me. '' My accounts would be closed and my money will be coming in through a check in the mail.
Consumer complaint received 2023-05-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (TX)

I had a XXXX XXXX XXXX financed through Santander. In XX/XX/XXXX I got into a car accident and the car was totaled. I had full coverage insurance through XXXX as well as GAP insurance purchase at the time I purchased the car. 

XXXX paid for the car as well as GAP insurance. After GAP paid Santander reported to the credit bureau I still owed a total of {$4000.00} and continued to report the car as past due then on to a charge off. 

I never received anything from Santander explaining the balance owed or why there is a balance. Ive reached out and have not been able to get an answer as to how I owe a balance after auto insurance and GAP insurance covered the car. 

The account is still reporting incorrectly, monthly as a charge off updated XX/XX/XXXX which is resetting the time allotted.