davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

My new travel card ( United Explorer Chase Visa ) was declined while on vacation in another country. I called customer services at least 7 times throughout the week to try to verify purchases and confirm my identity ( via text confirmation and answering security questions ). Additionally I contacting customer support through the secure online portal linked to my account multiple times to resolve the issue. 

After an excessive number of attempts to resolve the problem, my card was still not accepted anywhere. Every support agent from Chase gave assurances that my card would no longer be declined. I even kept agents on phone and attempted purchases multiple times so they could " troubleshoot issues ''. 

Numerous support agents, a support manager and online support representatives gave assurances that my card would be accepted for the remainder of my vacation. During my 5th call with phone support the agent " guaranteed my card would work. '' I informed the Chase cardmember representative that if my card was declined again I would file formal complaints with XXXX and CFPB ... .. My next purchase was declined. Chase Bank, United Airlines and Visa are branded on the card and responsible for the unacceptable customer support and service
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After being hospitalized from giving XXXX to my XXXX  via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX XXXX  XXXX XXXX.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I have a account listed on my report for XXXX  XXXX for the amount of . I have advised Experian that this account isnt mine and disputed the incorrect account. Experian has verified this account as mine after I asked for validation of this collection that they are falsely reporting. I have never associated with this company. I will be forced to get my legal time involved if this matter isnt taken care of immediately.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

On XX/XX/2018 I placed an order for a make up product with XXXX XXXX advertised on TV. I called the following day XX/XX/2018 and cancelled the order. I was advised the order was being processed. I never received the product. Nonetheless, the following month in XXXX XXXX XXXX attempted to charge my card and it was disputed with my credit card explaining the order service was cancelled. XXXX XXXX continue to bill my card for months after requesting service to be cancelled. Now they are trying to collect {$200.00} after I cancelled the service and never received their product. They have transferred the account to Monterey Collections. I had block the merchant because they continued to bill my card after I had requested the service to be cancelled. Even after disputing the charges and advising XXXX XXXX to cancel service they continued to try charging my credit card. According to their advertising I can cancel service at anytime. 
I have explained the situation to Monterey collections and they have not investigated this matter. I have done everything in good faith to resolve this matter and seek assistance since I do not owe the amount in question. Finally XXXX XXXX is indicating a balance for {$140.00} and the collection agency is trying to collect {$200.00} in addition to the charges made to my credit card. I would imagine this is done too thousand of other people. I do not owe either amount. I have attached the charges made and disputed with my credit card, product order, and collection agency notice. Thank you
Consumer complaint received 2022-11-15
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: DISCOVER BANK (FL)

I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. XXXX and TransUnion refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (FL)

To Whom It Many Concern : XX/XX/2019, I sent a settlement payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the law office of XXXX XXXX XXXX/Tidewater Finance Company account. My attorney was told that once payment was received the settlement would be reported to all three credit bureaus. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Tidewater has reported the account is still charged off with a balance of {$10.00}, XXXX. The continual reporting the wrong information is continuing to hurt me and my husband 's credit. I have called Tidewater directly about this matter and was told it has been reported. The attorney on the case has been contacted by email by me on two occasions and my attorney on two occasions. It is now XX/XX/XXXX and all three credit bureaus does not have the correct information. 


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Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The account is being reported incorrectly. I see several repetitive late marks which is a violation. Also, the date last active is inaccurate XXXX  is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX XX/XX/XXXX. All 3 dates should be the same.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Today, XX/XX/2019, two unauthorized withdrawals from my Savings account left me with a XXXX dollar balance. BANK OF AMERICAI would hope XXXX and XXXX  XXXX XXXX   accounts, in XX/XX/XXXX, withdrew my interest of XXXX And XXXX cents for I believe a test. Today both withdrawals were done. 

In the past I have had many issues of scams with Bank of America on checking accounts, now my Savings.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  Wells Fargo  closed my home Equity loan account #  XXXX  on  XXXX / XXXX / XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XXXX / XXXX / XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo r esponse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on  XXXX   XXXX ,  XXXX . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone number   ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo,   no documentation, no payment notice, no account number info or return address?    2 )  Their is no " Active Foreclosure '' as my home was foreclosed on in  XXXX  of  XXXX  by  Wells Fargo  while I was going though their modification process? yet another false statement.    XXXX  ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.    4 ) Wells did not try too hard to reach me as I called their POC   XXXX   XXXX  at the number provided  XXXX   XXXX  ex  XXXX  ) within their canned  XXXX   XXXX   XXXX  letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells  is held responsible for their wrong doings and support of predatory lending practices.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have had problems with the bank - CapitalOne360 for  several months, and their answer was this - Our records show that the decision to end our business relationship and close your accounts were made after our Security Team reviewed activity in your accounts and profile information. A restriction was placed on all your accounts while our Claims Team researched the disputes youve recently filed on transactions made with your debit card. 
Once all your claims have been closed, which can take up to 90 days from the date the claim was filed, the accounts will be closed, and a closeout check will be mailed to your address on file with the remaining funds. 

All my disputes were resolved a week ago or more, I contacted them but they did not care. They do not want to give back the money that was left on the account. Just use them. 
One time, I received an email that all my accounts can be closed and the money transferred to external account. So, do it. Who is responsible for this? 
Branch cant help and on the phone either, some kind of holy fraud department decides it that you cant even talk to it on the phone. Only telephone entry. I am in shock.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly an involuntary repossession/charge-off on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it has been ( 7 ) years from the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting of a charge-off is harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (TX)

I financed a vehicle through BB & T Bank for 72 months and was told by the finance manager that I recieved the lowest possible interest rate due to my credit score and that the warranty I purchased would cover me to 92k miles and then I recieved a letter from warranty company saying that there was an error in contract that I only have coverage to 60k odometer reading. I then complained to BB & T bank and dealership and was told by dealership {$3000.00} refund will apply as payments and BB & T rep failed to tell me that it would not count as a payments until I was already late. I caught up with payments and recieved a letter saying my contract had incorrect APR and was promised that I would have my past due balance recently to be deferred due to hardship and my last payment was mishandled by BBT by inputting incorrect account number causing me to get a fees and issues. I just want these issues resolved due to the errors. Now I'm paying a substantially higher payment due to BBT errors on my contract and aren't honoring my deferred payment plan and mishandling my account with payments, fees and APR. I want my account to be in good standing and hope BB & T will make this right for me.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number ****XXXX. ( Please see  page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I had student loans with Navient. When I was started receiving my bills, they wanted me to pay over $ 700/month. I did my best for a while but, as a new grad with another private student loan with Sallie Mae, a federal student loan to pay as well AND living in XXXX ( with very high rents ), I was nearly zeroing out my bank account trying to pay that. I called Navient on numerous occasions attempting to see if I can do an income-driven repayment plan but they kept telling me that the particular loans that I signed up for were not eligible for income driven payments and told me that my only option was to put one or all of my loans in forbearance ( as I had multiple loans ). If I continued to attempt to make the full payment, I would have defaulted so I felt that forbearance was my ONLY option. The forbearance would only last for 3 months so once it was up, I would call back and ask if there was a different payment option, which I was told again that forbearance was the only way to lower my payments. In addition, I was charged $ 40- {$100.00} every time I put the loan in forbearance. I called and asked on the following dates : XX/XX/XXXX where I was charged {$50.00} for putting the loan into forbearance, XX/XX/XXXX where I was charged {$50.00} again for putting the loan into forbearance, XX/XX/XXXX where I was charged {$100.00} this time for putting the loan into forbearance and lastly, XX/XX/XXXX with another {$100.00} charge. They said these payments were required to put my loan into forbearance and would be going towards my loan anyway. Again, they never gave me any other option, which was extremely frustrating as I know those loans are still accruing interest while on forbearance and I had very high interest rates/larger loans. I attempted to talk to a manager/supervisor on one of the calls and that seemed to be a waste of time. Ultimately, I ended up getting fed up with their tactics of forcing me to put my loan into forbearance so I was able to refinance my loans with another company ( XX/XX/XXXX ) but it was not fair to be forced into something and have so much more interest accruing. Very frustrating to look back on and now read all of the stories regarding the law suit, since I went through the same thing. A massive lender like this should NOT be allowed to take advantage of people like that.
Consumer complaint received 2019-10-01
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (KS)

Pioneer, a division of Navient, has contacted friends and family about my student loan debt, even though they spoke with me at my phone number and I confirmed my address, which hasn't changed for 18 years. 
I am in the process of consolidating my loans, which I told her, and she insists that I work with her. I have been ignoring a dozen cell calls daily while I'm at work, and she is also repeatedly calling my wife 's cell at work. Yesterday and today, she has called my daughters, a friend 's daughter, friends, and my sister-in-law. We have the voice mails she left as evidence. 
This would only be okay if she was trying to locate me, which she doesn't need to do, since I spoke with her 3 weeks ago and confirmed my address, when she reached me at my phone number. 
I want her punished to the fullest extent of the law.
Consumer complaint received 2019-10-01
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. (MN)

I had a XXXX account and paid it In full and was told everything was at XXXX and I switched to XXXX. Then around sometime last year XXXX  XXXX  placed a collections on my report. They then removed it, and gave it to a different company XXXX XXXX. This is damaging my credit immensely and I need this information removed by Transunion as soon as possible.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

XXXX paypal held my money from am XXXX  sale. Finally got the hold lifted verified my identity and then they locked me down can't send money can't withdraw can't add nothing this has been 5 days now. Also they have XXXX still being held I can not access. They just keep saying that I failed a security check. Which is XXXX. Can't get any help they continuously say wait 48 hours and I do then get told the same thing again XX/XX/2019
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

My name is XXXX XXXX and I was recently released from being XXXX XXXX for 16 years during that time my identity was stolen Im unable to get any answers or credit scores due to questions being asked that I can answer due to my information being used while I was XXXX XXXX. I can access XXXX, XXXX XXXX or any other service using my social security number. I need help with getting my identity back and what I need to do please
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IA)

I had an account with Chase Bank..it was a checking account. I have XXXX on my vehicle which enabled me to use my phone. I informed XXXX in XXXX that i would be changing financial instutions and to cancel the debiting of my account for payment. However, when time for payment came around they debited the account anyway, but by that time I had changed financial institution. 

There was no more money in the account for XXXX to get money. At Chase Bank it should have came back as " insufficient funds. '' Thus, the situation would have been null and void. But because I changed financial institution Chase Bank accepted the payment without my approval and without funds in the account. In the past when I have had an account with Chase Bank and would go to another institution relinquishing direct deposit, they would recognize such and close the account. i did not have overdraft protection with Chase for them to accept payment without funds in the account. My new account is with XXXX XXXX.