davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-24
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: SUNTRUST BANKS, INC. (NV)

After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report. 

I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices. 

They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

called XXXX XXXX customer service number to get help with a deposit my daughter sent me and it wasnt applied yet so i called for help. a guy got on stating he was XXXX XXXX  customer services and can help my get my money he just needed to verify some information. i am new to XXXX XXXX  and did not know their protocol. the guy had me download an app and he moved through the process to get my money to me. he had me transfer money to my daughter then had her send it back then he did some sunny teqnsfers and they failed then as i was entering things in my phone i got suspicious when i typed a letter and he corrected me and i said wait you can see what im doing on my phone and i disconnected the call. right away i contacted my bank and XXXX XXXX and was unable to get help from either place. both businesses told me that it shows i did these transactions and they closed my case and will not open it back up. this person called me a few more times to help me and i told him to stop calling and that i reported him he then texted me cursing at me and said well i still got your money. i blocked him from my phone but kept the text msgs i called my bank for help and they wouldnt help me they stated they tried to retrieve the money and couldnt and they have documents showing i did do these transactions. i tried to explain to them they i got scammed and this person got access to my phone and my information but they did not want to hear any of it and kept cutting me off at my words and kept stating the documents show i did. this scammer was smart and made it look like i sent myself bitcoin and my daughter bitcoin and i didnt. i dont even have a bitcoin acct. how can i get my money back and get this person to pay for what he did? i need help! please this person transferred XXXX twice documents are attached
Consumer complaint received 2023-08-24
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. (VA)

reviewed my Consumer Reports and noticed that I had several late payments reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Reporting late payments is unlawful/illegal according to 15 U.S.C 1681a ( 2 ) ( B ) and 15 U.S.C 1666 ( B ), I have a right to privacy and did not consent to any information pertaining to late payments being reported on my consumer report.
Consumer complaint received 2018-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Reply to Case # XXXX Receiving smoke in the mirror replies from Wells Fargo, still no reply to my original concern, my credit not being suppressed per our contract. 

Updated documentation has been furnished through CFPB as evidence that credit report still shows XXXX overdue. I have attached for the second time. It is my intent is to take Wells Fargo to file a lawsuit and sue Wells Fargo if my credit is not fixed as contracted. 

A full media package is ready to launch on this and all previously discussed topics if the above is not addressed swiftly and professionally. Below is a sample and only the beginning of my reach : https : XXXX
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Stellantis Financial Services US Corp. (OR)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, Ohio and was financed through First Investors. After struggling to pay the loan, and XXXX repossessions, the vehicle was eventually totaled and not reimbursable by XXXX leaving a balance of over {$17000.00}. The account was turned over to an attorney 's office who took me to court and we agreed to a reduced payment plan. I recently learned about XXXX protections and my husband is currently XXXX XXXX with the XXXX XXXX ( enlisted in XXXX ) and is also an XXXX XXXX. I sent a written request for XXXX benefits along with my husbands orders to First Investors, who denied the request stating that Ohio is not an exception state for the XXXX for spouses on XXXX XXXX and are not co-borrowers. I contacted them back since Ohio is a KP state and that per Ohio revised code 1343.031, XXXX benefits are required to be extended to spouses. Their compliance department reviewed my account and Ohio statutes and said my loan does not qualify and to refer to my original denial letter.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. (AR)

I wired XXXX to coinbase on XXXX/XXXX/18 so I could purchase coins and trade, but it 's been 3 weeks as of tomorrow with nothing. The website said the money would be credited same day or next day, but I 'm going on around 20 days now with nothing. I 've submitted multiple tickets in hopes that I could get a response, but nothing.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, and Transunion.com, credit freeze/unfreeze does not work on their web-site requiring a lengthy phone call. This is in violation of FTC credit freeze rules by not making available an online method for placing and removing credit freezes. While they do have an online system, it has not worked for me in over two years. I have made repeated attempts to rectify this situation by calling their call center, and their call center is unable to fix whatever issue is keeping the online system from working. Having a system that doesn't work, is the same as not having a system. The only acceptable reconciliation to this issue if for the online system for freezing and unfreezing credit to work, as it does with the two other agencies or to provide me financial compensation for the additional time required to freeze/unfreeze my credit during work hours at my hourly billable rate of $ XXXX.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, Capital One is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by Capital One ''. 
this items shows that it is being reported by Capital One
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

The initial charge of {$99.00} was on XX/XX/XXXX. CITI took out this amount after I lodged dispute, and sneaked it back in on XX/XX/XXXX without notifying us. CITI told me when I complained that it is not over, it is still in pending, therefore, I sent CITI more document to prove my returning of all XXXX purchase. 

Citi no longer has a three party talk in place for a very bad reason. CITI finally said that they had to pay XXXX. When I called XXXX, not only she assured me that XXXX had not received {$99.00} from CITI, but also my XXXX account supported her statement. 

I have no doubt that CITI kept this money, considering CITI has never denied my accusation and there were few indications before as to how this would turn out. 

Most of all, CITI abolished a three party talk in resolution process.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX of this year i wrote a letter to Transunion, XXXX XXXX XXXX to notify the Elaborate mechanisms that they are indeed Reporting fraudulent information & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the account but actually Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB. 

3 months later & they have failed to Comply with Federal law and me the consumer & is also now Reporting a Late Payment with the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile. 

Their Negligence to Comply with Federal law has caused me Stress, XXXX XXXX, XXXX, Hardship, misfortune, XXXX, XXXX and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.
Consumer complaint received 2018-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Refinanced XX/XX/XXXX Wells Fargo is unable to correct problem that they created by adding escrow to the loan. Wells Fargo failed to pay property tax which caused home to go to tax sale. Spent three months telling them they forgot to pay my property tax. Finally in XX/XX/XXXX they paid taxes late which cause the next year escrow account to double causing financial issues. DO NOT NOT WANT WELLS FARGO TO PAY MY ESCROW. 
The following year computer decide to triple my escrow account as payment was under {$400.00} a month and with escrow around {$500.00}. Last years account was {$560.00} which should be XXXX dollars less and taxes and insurance should be no higher than {$500.00} This years escrow should be not {$600.00} for their mistake but again there was over {$800.00} short fall. Each time I call and right they delay and refuse to admit the mistake and give me credit. 
The customer relations department is terrible and just lie or transfer to another department Account XXXX Wells Fargo Bank
Consumer complaint received 2023-04-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX shows incorrect reporting of a Bank Of America account on their reports which is frequently overlimit and delinquent. I don't own that account. I have raised dispute many times and every time they say their evaluation find that account belongs to me. I tried to reach BOA too many times and they say they don't see that account on my SSN. Please refer XXXX report XXXX for BOA account with $ XXXX.they are not sharing full account number to check with BOA and with full account number BOA is not able to help or locate the account. It's been going on since 2020 and I am following up and raising the concern but it's not addressed. It has caused lot of negative impact on my score and the impact is still on.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Four fraudulent charges appeared on my Citibank credit card account between XX/XX/XXXX through XX/XX/XXXX in  amounts from {$80.00} to {$310.00}. I noticed the charges online within two or three days and contacted Citi via online chat immediately to inform them of the fraudulent charges. Citi credited the amount of three of the four fraudulent charges back to my account immediately. One fraudulent charge from XX/XX/XXXX in the amount of {$170.00} remained pending on my account. 

The statement for my account closed on XX/XX/XXXX. The {$170.00} fraudulent charge from XX/XX/XXXX was still shown as the balance due on my account. There were no other unpaid charges on this account. I contacted Citi several times via online chat over the next three weeks. The chat agents refused to provide any further information. 

On XX/XX/XXXX I mailed a certified letter informing Citi that I disputed the four fraudulent charges. Citi received the letter on XX/XX/XXXX. Citi acknowledged the disputed charge via electronic letter on XX/XX/XXXX, but did not remove or credit the charge. I did not pay the disputed amount. 

My next statement closed on XX/XX/XXXX and included a late fee of {$25.00} and interest charges on the {$170.00} outstanding balance of {$2.00}. Citi online is now showing that my payment is past due despite knowing that this fraudulent charge is disputed. 

Citi has violated 15 U.S.C. 1666 ( c ). Citi sent me a statement dated XX/XX/XXXX including finance charges on amounts in dispute following written notice from me. That statement does not include any indication that payment of the disputed amount is not required pending Citi 's compliance with section 1666, as required by section 1666 ( c ) ( 2 ). 

I have requested that Citi remove the fraudulent charge, the late fee, and all interest charges. Citi has yet to substantively respond.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian is precluding/refusing to correct or investigate my complaint that my XXXX XXXX XXXX XXXX is being reported as having a {$250.00} balance when in fact it has no balance. Upon discovering it being reported inaccurately, I attempted to file a dispute using Experian 's online tools but the system refused to allow me to go forward, instead prompting me to upload documents in support or telephone. I attempted to comply with both instructions. I telephoned, but the automated voice system said that it could not locate my XXXX XXXX account- which makes no sense- so I could not proceed with my dispute. I also utilized the " upload '' link and received a " success '' message upon doing so. Nevertheless, days have passed and next steps have not been taken by Experian. The inaccurate information continues to be reported.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX referencing account XXXX. I originally reached out to them for debt verification. The form I received in return was what I will consider debt verification, but the date on the paperwork I received from the showed an open date of XX/XX/XXXX. On my credit report, however; the open date says XX/XX/XXXX.How is that possible?Once I contacted them, I was given a case manager that continuously told me, the open date was the date THEY got the account from another party, but even if the account was sold or transferred, how can the open date change? She even went as far as to say, the drop off date for the collection is XX/XX/XXXX, so why would the open date on my report say XX/XX/XXXX?This is the case for 4 different accounts I have on my credit report that belongs to this particular company.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2018-01-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: JPMORGAN CHASE & CO. (NJ)

My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.
Consumer complaint received 2023-04-27
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. (TX)

XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my Bank XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my XXXX  XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX  XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my Bank XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.
Consumer complaint received 2018-01-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (MD)

I submitted all of my documents in a timely manner in order to close on my home in XX/XX/XXXX to XXXX XXXX XXXXXXXX. Although, XXXX XXXX XXXXXXXX was not on time with the deliverables to the closing agency ( XXXX XXXX XXXX XXXX I still ensure I responded and returned all of the required documents to them in a timely manner. XXXX XXXX XXXXXXXX is supposed to issued me {$75.00}. I e-mailed them and the closing agency XXXX XXXXXXXX XXXX  e-mailed them on XX/XX/XXXX to follow up with the refund of {$75.00}. I e-mailed them again on XX/XX/XXXXto follow up and they said they sent the check out the day before, but I still have not received it. I am requesting that they refund the remainder of the funds that is warrant to me.
Consumer complaint received 2023-08-24
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: Central Portfolio Control Inc. (MI)

Central Portfolio Control , Inc, has committed Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099B. 
Also, Central Portfolio Control , Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies ' on my credit report as a means of intimidation.

They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, XXXXXXXX, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to extort money from me. 
XXXX XXXX XXXX, XXXX. 
XX/XX/2023