davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-08-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Offices of Palmer, Reifler & Associates, P.A. (MA)

I worked at XXXX for 3 years as a sales consultant, I was discharged from the job for using a wrong coupon to match XXXX online free delivery which is approved by XXXX Management without any warning or notification, after a month I received a letter from a debt collector XXXX XXXX and associates that I owe them XXXX $ for the issue that happened at XXXX and threaded me to escalate the issue, after their second letter asking for XXXX $ I send them back a letter that I do not owe this amount and explained that I used the coupon for the benefit of XXXX to close the sale and asked them to stop harassing me. They stopped sending letters since then but I keep receiving robot calls asking to make a payment, I filed multiple complaints to stop the calls, they changed the phone numbers and still calling me everyday. Please I want them to stop harassing me by their calls.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied International Credit Corp., (US) (NY)

Allied International Credit Corp sent a letter claiming I owed {$50.00} on an XXXX account and asking for payment. They claim previous attempts to resolve the issue, but it 's the first I 've heard of it.. They provide no details of the alleged transaction, and in fact I 've never used XXXX. It seems like a scam.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX
Consumer complaint received 2016-12-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.
Consumer complaint received 2016-12-02
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CT)

I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2016-12-02
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I would clarification the XXXX Residential Loan Application for Reverse Mortgages. As per the XXXX it is stated that the Mortgage applied for was FHA Traditional HECM. The FHA Case No. XXXX XXXX and states the loan payment plan is a line of credit. The monthly statments clearly state the loan is a LUMP SUM. The Lender Cas No. : XXXX states that the purpose of the the loan was for ADDITIONAL INCOME. XXXX questions-when did I receive additonal income? I brought additonal income for this Reverse Mortgage. Now I will skip over to the Final Loan Terms Document lists the initial interest rate at 4.990-Annual MIP Rate $ XXXX-Expected Rate/Fully Indexed rate-4.990-Maximum lending limit $ XXXX-Initial Principle Limit- $ XXXX-Other Closing Costs $ XXXX-Mortgage Lien Payoff $ XXXX-Repair Set Aside- {$1300.00} Initial Funded Balance XXXX Another Closing Document numbered XXXX Applicable Law states All interest, Fees, and other amounts charged or accruing with regard to this loan, and all related documents, which are considered " interest '' under Section 85 of the National Bank Act ( 12 U.S.C. 85 ) as implemented by 12 C.F.R. 7.4001 ( a ), as amended from time to time, shall be governed by and interpreted under the usury and other applicable laws of XXXX. In all other respects, the loan and related documents, as well as the rights, remedies, and duties of the lender and the borrower ( s ), shall be governed and interpreted by federal law relating and applicable to national banks and their operating subsidiaries and, to the extent not preempted by federal law, by applicable state and local laws of the state where the real estate securing the loan is located. 

The Applicable Law Act was enacted to protect the consumer. 
Could you explain the legality of the Applicable Law Document since the property is located in XXXX? 

I expect to have my investigation done by XX/XX/2016 since I have many other concerns with the documents enclosed in the closing documents. There are many financial and federal consumer protection laws that Wells Fargo has either not complied with or provided their own documentation. 

XXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

I requested XXXX to conduct an investigation into my Campus Partners account that has been open since XX/XX/XXXX. The account was supposed to be consolidated with the rest of my student loans but was erroneously left out. The challenge is that account has been erroneously reported as a collection account and past due since XX/XX/XXXX. The loan has since been paid in full.
I informed XXXX of the same. Not only did the investigation exceed 30 days but they told me on numerous occasions that the first delinquency was XX/XX/XXXX which is not true and they could not delete the trade line. When I asked for a full payment history since the opening of the account, they would not comply which, in my mind, should be been verified during the investigation.
Consumer complaint received 2024-11-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

XXXX is due to be forgiven but MOHELA told me to go into forbearance while they wait for the count to update on their side. They refused to put the account into forbearance claiming it was XXXX month paid ahead. 

I initially attempted to call last week and placed a callback request ( XXXX hour estimated ). No callback was ever received. 

After waiting over XXXX hours on the phone today, XX/XX/year>, I asked to go into forbearance due to the loan reaching the XXXX qualified payments. When I asked to go into forbearance they told me it was not possible because the loan balance is paid 1 month ahead. I asked for clarification and they said to wait another 2 months. I told them I've already paid and reached my total required payments and they hung up on me.
Consumer complaint received 2016-12-02
Product: Other financial service — Money order
Issue: Excessive fees — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA)

Dear Sir or Madam : Please be advised the sole purpose of filing this complaint with your agency is due to Wal-Mart not honoring their money orders. Not to mention the fact, Wal-Mart is the seller for MoneyGram money order 's and refused to issue a full refund on a {$35.00} money order that was not used for purpose intended. The merchant refused to issue a full refund and/or exchange the money order for a new one after it was written out to another person. I purchase this money order from their store on XX/XX/2016. It was on the following day, XX/XX/2016, when I presented the money order to Wal-Mart for a refund and they denied the refund - with the statement that the money order is altered because I tried to correct the misspelled name. I explained to XXXX ( Wal-Mart cashier ), that the original money order is intact with the receipt and stub and all I need is to replace the money order and/or be refunded. Then XXXX stated ; " No you are not getting any of your money back and/or a replacement of that money order because Wal-Mart want get their money back from MoneyGram ''. I informed XXXX in the past Wal-Mart replaced my money order with no issues when I misspelled the name on it and this was never a policy. XXXX also stated to me Wal-Mart does not have any returned policy for selling MoneyGram money order 's that involved third party, which is MoneyGram. Then XXXX proceeded to contact MoneyGram, and she stated ; " You need to return the money order back to them and pay an {$18.00} service charged. I later contacted MoneyGram customer service and informed them that this is double-dipping ( Kick-back ) and that I should not be charge any fees due to the fact, I never lost the money order. After I informed the agent I will be filing a complaint with the Consumer Financial Protection Bureau and Office of Financial Institutions, she then reduced the fee to {$9.00}. I firmly believe this practice is illegal and fraudulent. The only time I believe anyone should be charge any fees, if the money order is lost and a stop payment is issued with a replacement of a money order. I do not believe this constitute that because I have the original money order, receipt and stub. I am requesting an investigation of Wal-Mart 's and MoneyGram business practices. I firmly believe they should not be allowed to sell money orders if they will not honor them. During my investigation, it appears other financial institutions do not honor Wal-Mart money orders. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MD)

{$1000.00} of fraudulent charges were made to my Citibank card on XX/XX/XXXX. After reporting the fraud on XX/XX/XXXX, Citibank reversed {$940.00} of fraudulent charges on XX/XX/XXXX. 

After closing the card and reopening a new one on XX/XX/XXXX, Citibank has not removed the last {$100.00} in fraudulent charges after stating that they would apply a credit to my account within 3-4 business days. Citibank has told me that they will charge a late fee for the minimum amount due that is late, even though it is a fraudulent charge that a customer service representative claimed they would remove. 

I have been told conflicting information from various representatives : pay the minimum amount versus do n't pay the minimum amount, there 's nothing customer service can do versus the fraud department can not do anything because it 's a customer service issue. 

I 'm not sure who to contact because Citibank 's customer service team seems to be unaware of who to contact in order to remedy this situation, and that I will be forced to i. pay a late fee on a fraudulent charge, ii. pay the balance for a fraudulent charge or iii. use Citibank 's 1 time waiver of the late fee for a fraudulent charge that they can not remove in time.
Consumer complaint received 2016-07-10
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (NJ)

Case number : XXXX. This is a follow up complaint to the Case number XXXX sumbmitted to CFPB on XX/XX/2016 - Here a summary of Complaint ( Ally Financial has continue to list incorrect and incomplete information on my credit file, I have disputed this account several times with XXXX credit reporting agency Ally financial has continue to list incorrect and incomplete. For example date of first delinquency and date of major delinquency is incorrect with is making the negative account stay on my credit file longer ). As of today XX/XX/2016 the account has not been corrected and still reported as derogatory account. I contacted Ally financial several times on XXXX/XXXX/16 and XXXX/XXXX/16, which was not an easy task and have been advised that I was correct and an update was send to XXXX on XXXX/XXXX/16 to update delinquency as is the way pass the 7 year mark. I am not going to wait another 30 days for Ally and XXXX to get they act together and have this account corrected. This has been a nightmare and inconvenience to me to have to go these lengths to have this account corrected removed. This correct need to be handle ASAP or I will seek legal action. I have attached the response from Ally from XXXX 2016.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I FILED A DISPUTE WITH TRANS UNION BACK IN 2014 ASKING YOUR COMPPANY TO VALIDATE SOME ACCOUNTS THAT YOUR COMPANY WAS ALLOWING TO BE REPORTED TO MY CREDIT REPORT THE ACCOUNT WAS DELETE THAN REINSERTED BACK TO MY CREDIT REPORT STILL NOT BEING VALIDATE PLEASE CORRECT THE ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX SHOWING XXXX TIMES ON MY CREDIT REPORT SAME ACCOUNT NUMBER XXXX I DO NOT HAVE XXXX STUDENT LOANS HOW COULD YOUR COMPANY ALLOW THAT TO REPORT TO MY CREDIT REPORT. 
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT REPORT
Consumer complaint received 2016-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (CT)

Diversified Consultants claims I owe XXXX to XXXX XXXX, this is the second collection agency to attempt to collect on this debt. The previous agency whom I do not have the name of, referred the account back to XXXX XXXX, realizing the debt is not valid/fraud. A previous complaint was filed about this matter against that collection agency, Diversified Consultants seems to have bought the debt from them or was sent directly from XXXX. As I stated before in previous complaint, I have never had cell service with XXXX and the amount, XXXX is extremely high even for a family plan as I suspect it is. Neither collection agency has provided a detailed bill of amount owed, just a letter claiming I owe it. It appears a cousin with similar name, XXXX XXXX, open an account using my social. I use a middle initial in my name, XXXX XXXX XXXX. He no longer lives at my address and this is the second case of fraud I have encountered since he moved out. As stated before, this is an outrageously high amount and is very suspicious as I think additional bogus charged were added on by collection agencies for themselves, there is no detailed bill explaining the charges. Again, it is also fraud and will not pay it.
Consumer complaint received 2016-06-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (OR)

I just spent 2-1/2 HOURS on the Synchrony Bank website & spoke with XXXX different representatives on the phone, simply trying to change my password, as the Bank is requiring. It was a NIGHTMARE! The Bank makes it almost impossible to get access to my own money. The instructions to change the password are incomplete, and the representatives did n't seem to know what the problems were or how to correct them. XXXX of them tried to connect me with the Bank 's " IT '' representatives, and I was disconnected twice. The Bank required that my password be changed, yet they made it nearly impossible to do it, since the instructions were so unclear. I have decided to take my money out of Synchrony and put it into my XXXX money market accounts, so that I do n't have to deal with a confusing and unclear website every time I want to access my money. The XXXX website is much simpler and easier to use.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to get a report for/ my indemnity thief report. I need for the police report and the district attorney office. I have been out of the county from XX/XX/XXXX to XX/XX/XXXX. I have given the company everything they asked for. I still ca n't get a report. Thank you.