davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX XXXX, Experian charged {$190.00} on my XXXX ending in XXXX. I did not agree to the Subscription service so the charge was never completed. Experian has a hold on my XXXX XXXX for {$190.00}. 
Experian is refusing to resolve the issue. I talked to supervisor XXXX and Supervisor XXXX. XXXX. They have had the hold on my account for 5 days! The Merchant Transaction number is : XXXX. I did not authorize the charge to my account and the account with Experian was never created! I contacted XXXX XXXX XXXX and was told that XXXX XXXX XXXX can not stop the transaction. XXXX XXXX XXXX refused to assist to resolve the matter! XXXX refused to contact Experian and Experian refused to contact XXXX XXXX XXXX. Experian says they never charged me! XXXX XXXX XXXX says Experian did charge me and has placed a hold on {$190.00} and denying me access to my funds as a result. I want the Federal to sanction Experian for this illegal conduct. The phone calls were recorded so you have all the evidence you need to take regulatory action on this matter. I talked to XXXX at XXXX XXXX XXXX and the Supervisor at XXXX XXXX XXXX was someone named XXXX. The time of the call was between XXXX XXXX and XXXX for your investigators. This is illegal and violates Federal regulations.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One Auto Finance reduced my payment to XXXX due to financial hardship. However when I tell Capital One Auto Finance when I am going to pay the XXXX. I get constant daily phone calls before the Promise To Pay Date!! 
Is this Predatory Lending Practices? 

I spoke to XXXX a representative in the United States yesterday when I returned the call from Capital One Auto Finance. 
XXXX told me that she did NOT know WHY I was receiving phone calls from Capital One Auto Finance because they have a Promise to Pay arrangement for a payment of XXXX for XX/XX/XXXX. 

The reason I am writing today is because Capital One Auto Finance is continuing to call me daily and I wish I could just win the Lottery and pay my XXXX XXXX XXXX off. This has been the worst mistake of my life financing my vehicle through Capital One Auto Finance. These Predatory Lending Practices must be STOPPED!!

I WANT THE CALLS TO STOP. 
I was told by XXXX yesterday that the XXXX day that my Promise to Pay was listed was on XX/XX/XXXX. So all the XXXX 's before that phone call did NOT note my intentions to pay on XX/XX/XXXX. 
Nor did the previous XXXX 's inform me that there was a certain date to call on to have my Promise to Pay noted for a particular date. 
XXXX because XXXX told me XX/XX/XXXX and the calls are continuing to be made on the Daily Basis. 
Capital One Auto Finance should know the law!!

Predatory Lending Practices are Illegal in the United States.

I would like the CFPB to file charges against Capital One Auto Finance on my behalf.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (CA)

I received a phone call from JP Morgan Chase Bank a couple weeks ago advising me that I owed money on a Chase accountant roughy {$900.00}. I advised the representative who was calling me from an out of state phone number that I do not have a Chase account and further requested that she transfer me to the correct department to have the account removed from my name and social security number. She was incredibly unprofessional, hostile and rude, threatened to disconnect the phone call multiple times, proceeded to continue asking me for payment and advising me that she was trying to collect a debt, albeit having been advised that the account in question was opened under fraudulent means. Chase has violated federal law by refusing to take the mandated steps to correct this matter. Furthermore, one of my stolen checks in the amount of {$4000.00} was deposited into this account and Chase has refused to reimburse us for this. If I dont receive an adequate response with resolution I will file a small claims lawsuit against JP Morgan Chase Bank to recover my {$4000.00} as well as any further damages as a result of this account.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

As the company clearly states in its XX/XX/XXXX response to my previous complaint, on the call from XXXX XXXX, 2017 with the company 's lending department, the specialist from the company advised me that I was unable to submit a balance transfer until I received my card. That is why I paid down my balances on my XXXX cards. I was led to believe by the specialist that the balance transfers were not complete because I had to wait until I received my card to submit a balance transfer. The company is expressly admitting this in its response. I again ask that Chase reimburse my transfer fees since the lending specialist clearly told me that a balance transfer could not be submitted before I received my card. Only reason why I paid down my XXXX balances and I am now stuck with XXXX dollars in fees for transfers that were not needed. I respectfully ask the CFPB to require Chase to reimburse me for the fees, now that they have expressly admitted that they provided conflicting information.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (IN)

Im trying to Withdraw my Funds From Robinhood and It keeps saying withdraws disabled and Im unable to withdraw using my debit card I reached out to them for help several times with no help I just want to withdraw my money and close my account XX/XX/XXXX {$300.00} from my bank account to RobinHood then they told me I needed to deposit another {$49.00} dollars to have access to instant deposits and stuff so I then deposited {$60.00} on XX/XX/XXXX of XXXX and still cant use or withdraw the money I have a positive account balance of {$360.00} dollars just held hostage please help
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX Chase sent me a notice stating the FDIC sold them my mortgage loan. They have yet to show any proof of this transaction. In this letter Chase states ( MERS ) Mortgage Electronic Registration Systems sold and assigned all rights to WAMU Washington Mutual Bank on XX/XX/XXXX. There are no records found of this assignment on file in the XXXX County records. 

It does show where Chase forged a fake assignement from ( MERS ) on dated XX/XX/XXXX five years after they claim that ( MERS ) had already signed over its rights to Washington Mutual Bank. How is this possible? That there is NO assignemnt to ( WAMU ) but one straight directly to CHASE. 

I would like CHASE to provide all legal documents showing the FDIC gave them receivership of my specific loan and what date.

I would like CHASE to provide all legal documents showing the FDIC sold them my mortgage loan I would like CHASE to provide documents proving the had legal rights to collect payments on my home loan in the State of OHIO as a loan servicer.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (CA)

RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX XXXX Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..
Consumer complaint received 2024-10-13
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. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OH)

I received a letter dated XXXX XXXX 2017 from Hunter Warfield concerning a debt they claim I owe. The creditors name is XXXX XXXX ( Creditor ) in the amount of XXXX. 
This is my second notice. I have provided the account number listed on letter and there should not be any problem locating this information I would like debt validation to be provided through the Consumer Financial Protection Bureau portal and to be mailed a copy. 

I would like all correspondence to be in writing on this account.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

We are trying to obtain financing for a home and we were told that there was a mortgage through Loancare Servicing Center from 2014, still on the credit report. It showed Open/In good standing/Paid as agreed, but it had a balance of {$360000.00}. 
This loan was a refinance of a previous house ( since sold ) and the loan had been sold several times after this servicer had bought it. We contacted them on XX/XX/XXXX requesting a correction and a letter stating that the correction was being made. We have nothing. I call every day and each call takes approximately 30 minutes, only to be told that it will be escalated and someone will call and a letter will be sent " in 24-48 hours '', but no one ever calls and we have no email, no letter, NOTHING. We are unable to get financing for our new home because of this. THEY HAVE ACKNOWLEDGED THAT THIS IS AN ERRONEOUS REPORTING and I still can not get them to put that in an email. I do n't know what else to do.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

See enclosed for full complaint. 

Dispute the many times I have disputed this account Transunion always send stall letters or send a generic response stating that the account is verified and accurate. Ive enclosed two forms of identification to prevent any further stall tactics from Transunion. Ive also included the dispute results that were sent to me showing that the account is verified when that is impossible because theyre updating an charged off account negatively each month
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX CAP ONE VIA DEALER XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XXXX XXXX, XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX  XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau of Carbon County (CO)

On XX/XX/XXXX, I sent a letter to 5 entities associated with a medical debt for a date of service of XX/XX/XXXX, regarding the fact that after my last payment to 2 associated debt collector/s in XX/XX/XXXX, for the date of service of XX/XX/XXXX, and payments made to each, that no single entity had responded to my letter dated XX/XX/XXXX, or sent any additional information about the remaining amount of the debt owed for the date of service on XX/XX/XXXX. It 's been several months since those checks were cashed and I 've heard nothing from any of them since XX/XX/XXXX, about the remaining balance ( s ) due. It 's been over 30 days since I sent letters to the 5 entities associated with the remaining debt for the date of service associated with XX/XX/XXXX, and I need answers. I need to know who holds the remaining debt. I need paper statements and each have refused to cooperate or work with me on these matters. Probably because each of the 5 entities are directly or indirectly connected to another situation I believe is under scrutiny/investigation by the Securities and Exchange Commission Office of the Whistleblower, the Department of Justice, the F.B.I. and the Consumer Financial Protection Bureau for money laundering issues that have nothing to do with the date of service of XX/XX/XXXX. That 's not my problem. That 's their problem. I owe an amount due for a date of service of XX/XX/XXXX. Period. The other debt related issues held with these entities will be resolved by federal law enforcement. Not by me and not by them. " They '' need to separate the 2 issues and have the balls to send me a statement with a balance due for XX/XX/XXXX All the other " debt '' they claim to hold outside the DOS of XX/XX/XXXX, is wrapped up in a money laundering scandal that I tried warning each about via a court proceeding and they failed to listen, and quite frankly I could give a XXXX 's XXXX. Send me a bill for the remaining balance due for the DOS of XX/XX/XXXX. That 's the issue front and center right now. The other issues will be dealt with by lawyers and federal law enforcement. They are separate issues and should be treated as such. I do n't want to be contacted over the phone about any of the debts under investigation. I do n't want to be contacted over the phone about the DOS of XX/XX/XXXX ; I want paper copies of balances due from whomever the debt holder ( s ) currently are and an explanation as to why no one has sent me a bill for the XX/XX/XXXX DOS since XX/XX/XXXX, and since they cashed those checks associated with those accounts since XX/XX/XXXX. I also do n't want any of these entities trying to pursue " debt '' they know is under federal investigation as it concerns anything but the DOS of XX/XX/XXXX. Period.
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Consulting Services, Inc. (CA)

The company that I am disputing is Credit Consulting of XXXX Ca Today XX/XX/XXXX XXXX XXXX I was contacted regarding a debt I have under XXXX the debt was put in collections in XX/XX/XXXX and was contacted by them soon after to collect the debt I set up a payment plan with them and paid all of the payment of the 780 balance except for the last one of 80 they called me today to collect a total balance of XXXX which they said is because I did n't pay the last payment in XX/XX/XXXX they began to charge interest to the balance which I was unaware of and when I asked if that was in a signed contract she said no I do n't see it here I also asked her it 's XX/XX/XXXX why have n't you tried to contact me she said we did once after your missed payment in XX/XX/XXXX and I asked her so no other communication since then and now you are calling to collect a date which has been collecting interest I even offered to pay the initial balance which they declined I was told yeah just call us back when you get a job in a rude tone by the manager
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've noticed that there is still an incorrect account listed as correct on my credit report. The information is erroneous, as demonstrated by the documentation I've already attached to this disagreement, but nothing has changed. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which requires a thorough inquiry and correction of disputed information, is violated by this persistent mistake. I ask that you look into this again right now and see to it that the false information is either fixed or taken off from my credit report.
Consumer complaint received 2024-10-12
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. (VA)

Please remove all these Promotional inquiries because they are all unauthorized and aren't mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

I began attending XXXX XXXX at age XXXX and began signing loan documents while I was still in XXXX school. I have accumulated XXXX loans to both private institutions and the federal government totaling over {$50000.00}. I have an XXXX which has not been accepted for transfer to any four year institution at which I have applied. Numerous XXXX have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon checking my credit report I notice fraudulent accounts that I didn't authorize. These fraudulent inquiries were not authorized by me and they are in violation of my FCRA rights. 

These are the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX