davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (NH)

I spoke to this company on XX/XX/XXXX and asked them to stop calling me as I can not take calls at work and I'm paying my bill now that I have a job. 
Since then I've received a call on XX/XX/XXXX, and another call just now. They identify themselves do not state they're calling on a recorded line and onc either ask who they're calling about they hang up on me. 

This happens every time they call. When I try to call back to tell them again to stop harassing me I get a message saying they're not available and no voice-mail. 

Their number that they call from are XXXX.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.
Consumer complaint received 2020-11-17
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of American Loan # XXXX he received a 60 day late notice {$1800.00} past due Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Never received statements or notice of payment.
Consumer complaint received 2024-09-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MN)

I received a letter from Chase about my XXXX XXXX Credit Card. The letter stated that my account was closed due to " multiple fraud claims ''. I am a victim of ID THEFT and I sent over the police report to Chase fraud department. My card was stolen and there were fraud charges on my statement. I was told to speak with Chase executive office and was unable to contact them. I am requesting a reinastment of my account. I paid all all my bills on time and have great credit score and being a victim of fraud does not necessitate a closure of account.
Consumer complaint received 2020-11-16
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. (NJ)

i financed a XXXX used XXXXXX/XX/XXXX with XX/XX/XXXX IN XX/XX/XXXX already with a high interest rate and horrible business practice and reporting my information incorrectly i traded in the vehicle on XX/XX/XXXX, with XXXX XXXX, my first payment to XXXX XXXX was due and paid XX/XX/XXXX, XX/XX/XXXX continues to report to the credit agencies late payments for XXXX, XXXX and XX/XX/XXXX despite receiving the pay off in XXXX, and despite supposedly not holding anyone accountable for LATE payments in XX/XX/XXXX during the pandemic and stated they will not be reporting late payments, even with this in place i made all my payments through out the lockdown including my XXXX payment to avoid this, i have disputed this several times with the bureaus sent in documentation to XX/XX/XXXX intially i was told it will be corrected and still they are validating the matter with the buraus and refuses to lift these late payments off my report despite its inaccurate ... how can i have a late payment in XXXX or XXXX when credit acceptance acknowledges they received the payoff check XX/XX/XXXX? my payments werent due until the XXXX of every month i spoke with a stepahanie at credit acceptance in the escalations department who tries to justify this by stating they report at the end of the month, which still wouldn't give an explanation for a late payment for XXXX this is heavily effecting my credit and they refuse to acknowledge their error of fix it. my relationship or legal obligations ended in XX/XX/XXXX and they still report a late payment for XXXX and XXXX as well as XX/XX/XXXX who intially claims they will not do my understanding is that XX/XX/XXXX IS currently being sued for these illegal practices and im willing to join the class act lawsuit because i have documentation of all my on time payments and proof this contract was terminated prior to the dates they are reporting
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX EQUIFAX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ; XXXX  XX/XX/2022.
Consumer complaint received 2020-11-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my has gotten into the hands of the wrong person.
Consumer complaint received 2022-11-23
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (NJ)

Loancare of XXXX XXXX VA reported I had a 3 month long mortgage with them. I asked for documents proving this, as I had never had one with them. They did not respond and instead left 2 " dings : on my credit report.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

The dispute number XXXX was not addressed. Equifax did not verify the inquires. The inquiries are not factual. Equifax did not contact the creditors regarding the unauthorized inquires. I DO NOT WANT ANOTHER PREMADE LETTER STATING THE INQUIRIES ARE FACTUAL. The creditors have already told me they was not contacted by Equifax nor do they have any applications in there system under my personal information. CPFB is supposed to be the mediator to make sure these credit reporting agencies are following the laws. This is bogus and the unauthorized inquiries need to removed immediately!
Consumer complaint received 2020-11-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (TX)

I have been a long time customer of Citibank - 20+ years. I have a checking account and 2 savings account. Checking account was opened 20 years ago in FL and around 2 years ago, I opened a savings account. I also changed the address of my checking account and had the accounts linked on my online app with Citi. I had the requirements met to avoid paying any monthly fees. 

I don't get paper statement for my savings account and since I don't do any expenses, cut checks etc., I never had to worry about fradulent charge on my savings account - but, To my surprise, I found that a {$30.00} service fees has been charged on my savings account by Citibank from XX/XX/2019 till now - Over {$330.00} dollars plus. Citibank never had charges on savings account and I was never informed of the same. Citibank says that checking and savings account are not linked and I have to pay separate services charges for the same. 

Citibank declines to provide the details of the fees - as to why, when and how much they charged. Chat support provided the credit for 3 months and indicated me to call the support desk for the remainder. I called Citibank today and they are declining to provide further credits indicating that since bank accounts are from different states, different fees will apply. This information was never provided to me.
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC (FL)

I am a XXXX  servicemember and am eligible for an interest rate cap on my personal loan under the Servicemembers Civil Relief Act ( SCRA ). I contacted Rocket Loans to inform them of my XXXX XXXX XXXX  and supplied a copy of my military orders. I have been told that the lowered interest rate has been applied to my account ; however, Rocket Loans has refused to provide an explanation as to how they calculated the amount of interest due on my payments and how my monthly payment is being applied to my loan principal. My wife and I have asked multiple representatives at Rocket Loans to explain how much of our monthly payment is going toward principal and how much is going toward interest, as the amounts listed on our online portal seem inaccurate. Additionally, my SCRA benefits were backdated, so I've requested that Rocket Loans provide an explanation as to how they calculated my overpayments and how they were applied to my account. Multiple phone requests for follow-ups have gone unreturned. We were encouraged last week when the Rocket Loan Chief Compliance Officer contacted us to advise that he was handling the issue. However, all we received as a response was an email with a link to a personal loan repayment calculator. I'm simply trying to understand where my hard-earned money is going and Rocket Loans is refusing to answer my questions. 

The complaint was filed after we received an incomplete response the Chief Compliance officer from Rocket Loans. We were very specific about our questions and the information we wanted on our loan. We asked Rocket for that information multiple times and they would not respond. After speaking with the Chief Compliance officer, I was assured that he would address our concern regarding our question that are interest rate was not reduced correctly under SCRA. The CCO responded a couple of days later and sent us a link to an interest rate calculator stating that it made sense to through his initial review. We took his message to mean that he confirmed that the amount that we were being charged was correct. However, we knew better and the math did not add up. We pushed again and asked again that they review the file in detail to confirm that they were charging the correct interest rate of 6 %. It was only after we pressed the CCO again that Rocket Loans then determine that they were overcharging us interest during XXXX ' period of XXXX XXXX services. Then our repayment schedule was updated to reflect the lower interest. It took me multiple times of pressing Rocket loans, and a high level officer with the company before they would acknowledge that they were charging us incorrectly and not providing the benefits we are entitled to under SCRA.
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (FL)

I am writing to follow up on my previous disputes regarding a collection account that remains on my credit report. I have disputed this account multiple times, and it is extremely disappointing that this collection has not been removed despite being both invalid and inaccurate.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SD)

My credit reports were impeccable untilXX/XX/312020, when my chase credit card added an inaccurate remark to my credit report files. This single error caused my scores to drop 128 points, even though everything still reflected 100 % positive standing. This fraudulent reporting Remark on my file reads account previously in dispute. My account has never been in dispute. There was no dispute whatsoever. Chase agreed to completely remove the remarks on XX/XX/XXXX, they confirmed this information incorrectly information should not have been submitted, was incorrect and would be deleted. I was assured this would happen within 5-10 days and everything would recalculate, but this did not happen. In fact, Chase confirmed with XXXX  that the remarks were accurate, and so they remain and I cant dispute them further. I received a letter from Chase that they reported that my account was no longer in dispute, which is further false reporting. Rather than removing the inaccurate remarks as they promised, they repeated their mistake and once again reported account no longer in dispute. My account status is flawless and has never been in dispute. When I contacted Chase for the second time, they told me they could not remove old remarks, even when the remarks are inaccurate. These remarks remain on different areas of all 3 credit reports, current and/previous. This is the only thing on my credit that has changed or is negative and it has absolutely destroyed my fantastic credit scores. There was no dispute of any kind open or active, this account was never disputed, and this reporting was fraudulent and unfair.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc (MD)

XXXX of 2017, I attended a Nightclub/Lounge in Washington DC with friends and left my wallet in the car taking only my main Cash and Cell Phone. When we returned to the car the window was smashed out and several items including my wallet had been stolen. The following days resulted in {$1000.00} 's of dollars spent at random XXXX XXXX in XXXX, MD and several online orders. Thes purchases were made on Credit Cards that I quickly canceled and replaced. A few weeks later I get a Bill for a Medical Procedure. I can affirm that this is a result of Fraud/Identity Theft. 

There isn't a day that goes by that someone does not mistake me for someone else. I would assume that my generic face was used in an Identity Theft scam so that someone could tend to some Health Related XXXX. 

I have successfully disputed this on each of my credit reports year after year and it keeps popping up, citing that the debt was sold to another collections company. 

Please assist me in acquiring a notice to block this from reappearing after being deemed Fraud. 

Thank you, XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MS)

American Express Serve, missing refund of {$170.00} Details : XXXX XXXX, Order # XXXX, {$170.00}, I placed this order over the phone because their online system was not functioning properly. The agent was nice, however, evidently, not efficient. Despite the fact that we read descriptions to assure I was getting the correct items and I emailed customer service in an effort to assure correctness, nothing I ordered was ever received. 
On XX/XX/XXXX and XX/XX/2020, I contacted both XXXX XXXX and American Express to report that I did not receive the merchandise as guaranteed. Having purchase protection insurance, I was guaranteed that my funds ( {$170.00} which was in HOLD status ) would not be released. Unfortunately, on XX/XX/XXXX, the funds were still released. 
For several weeks, I fought this battle and was told by both Amex and XXXX XXXX that a refund was being generated. XXXX XXXX stated that they made a refund request on both XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX request was made on official dispute paperwork that I generated. On XX/XX/XXXX, a deadline for completion given by Amex representatives, I once again called and was told the lie that XXXX XXXX had not responded. XXXX XXXX was contacted once again : they validated the fact that they processed a credit to my account on XX/XX/2020. To date, XX/XX/2020, my refund has not been received and Amex continues to make excuses. 
***During this process, I have run into 3 CV others vfc who have had similar issues, one of whom said it took American Express many months to return funds. This practice appears to be blatantly dishonest. If a consumer owed Amex money, they would be charged a service fees and interest. All of us who have had money stolen/lost by Amex should be compensated for the time our money is missing from our accounts