davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-01
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: JPMORGAN CHASE & CO. (CO)

In summary, I purchased a flight that was changed once by me then cancelled due to COVID. The travel agency I purchased it from has declined to give me the refund or flight credit I am rightfully due. My bank, Chase, has failed to protect me from this non-delivery of services and failed to resolve my dispute. They say that " too much time has elapsed ''. This is a case of non-delivery of services purchased. Furthur the travel agency is found to be very difficult and stealing refunds from people - I'd expect my credit card and my bank to protect me. Full timelines are in my evidence which was also submitted to the bank.
Consumer complaint received 2020-09-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CT)

U.S. Bank has not approved my short sale package. 
The property address of the short sale is below XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX We have a buyer made an offer 4 months ago and the buyer is able to meet the their appraised value amount. It's horible to get U.S. repsonse and accept short sale. Very slow repsponse or no response. U.S. bank does not look at my sitting short sale file to approve the purchase contract. U.S. Bank DID NOT get the the short sale moving, keep dragging for 5 months. U.S. Bank really has no accountability for any deadlines. U.S. BANK HAS been really hard to deal with short sales .US Bank shareholders should fire the management immediately for getting paid and not doing their job.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX BANK CARD. The dates were XX/XX/XXXX2020, XXXX2020 XX/XX/XXXX-2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the remove of the late payments I am currently full current yet the late marks are killing my credit score I could use some accommodation to help protect my credit .The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/XXXX, I made a payment and did not get a confirmation, and assumed the payment did not through, and proceeded to make a second payment, this time obtaining a confirmation number for the payment. 
I called customer service to confirm whether they had received one or two payments. I was informed they had received two equal payment, I requested for them to cancel one of the payment since it was a duplicate. 
On XX/XX/XXXX, {$3500.00} were drafted from my checking account. However, Shellpoint, reverse that payment on their end, and did not apply the credit to the loan account. They dispute that they never received the money, however, supporting documentation from my bank account shows otherwise. 
I have called for 4 days, sent faxes, emails, submitted requests from their online portal, called numerous time and no one knows what to do, how to fix this. 

The account is now past due, and I am unable to make further payments until I pay at least 50 % of the fees due according to their records. 

Shellpoint claims the never drafted the money but can not prove it. I have proof that they did take the money out, and did not applied to the loan.
Consumer complaint received 2020-09-01
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. (FL)

XXXX XXXX Account XXXX is showing as closed. Account is not closed. Account is active. 
Previously addressed with Transunion on XX/XX/XXXX and XX/XX/XXXX. 
Information is still incorrect. 
I have attached copy of XXXX statement dated XX/XX/XXXX.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. I feel like I ', being ignored and taken advantage of in my disputes. Section 511 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I've been very patient but now it's been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will have to file litigation due to the stress you caused me and my inability to get credit due to these inaccurate items. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (PA)

For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for Experian & XXXX that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from Experian and XXXX it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

Hi Southwest Credit System ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I booked an airline ticket for my in-laws using my Capital One credit card on XXXX. The flight is from XXXX to USA with travel date of XX/XX/XXXX. 

Due to Corona virus the flight was re-scheduled on XX/XX/XXXX and I decided to cancel this on XX/XX/XXXX. I got confirmation email from XXXX that the tickets have been canceled and they are working with the Airline to get me a refund. This is on XX/XX/2020. This is after I pointed out the Department of Transportation enforcement directive that was published on XX/XX/XXXX that clearly states I have an option to request full refund. 

" Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier. The longstanding obligation of carriers to provide refunds for flights that carriers cancel or significantly delay does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). '' This is what DoT has is in its enforcement directive published on XX/XX/XXXX. 

After not receiving the refund for several days, I have disputed this charge with Capital One. After a few days Captial one came back to me stating that the Merchant ie XXXX XXXX came back to them stating that I can re-book my tickets to a later date if I want to. 
Please note XXXX XXXX never said that I am not entitled to a refund but Capital One went ahead and charged me back the amount. I tried calling them numerous times about this and they keep saying they need to follow Visa guidelines. I have also tried to point out to them that Visa guidelines can not be used to override Department of Transportation enforcement notice for which their reply is that the enforcement notice was optional and not necessarily required to be followed by Capital One. 

Now the enforcement notice is pretty clear that it applies to everyone and is not optional. I want CFPB to make it clear to Capital One that breaking rules of US government will have serious consequences and that they can not make up any rules that would be against or supersede US governments. 

I have been chasing XXXX XXXX, XXXX XXXX Capital One for over five months now. The tickets were canceled on XX/XX/XXXX and I still dont have a refund on XX/XX/XXXX. I urge CFPB to take immediate action against Capital One. 

Name : XXXX XXXX Dispute Number : XXXX
Consumer complaint received 2020-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

these companies are inaccurately reporting items on my credit report that wasnt authorized by me. I contacted them over 60 days ago and still didnt get a response nor did i get any sort of solution to this problem. I attatched those letters.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (FL)

There is an account with XXXX XXXX XXXXXXXX XXXX that continuously reports on my Equifax report and it's a very old account and should not be listed.
Consumer complaint received 2021-09-02
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: ERC (SC)

I have collections from ERC amount {$940.00} originally disputed ERC successfully taken off my XXXX  and XXXX  by the collection provider & they been sent info to have it removed from XXXX. XXXX  somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (IN)

I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 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, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Consumer complaint received 2020-09-16
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they 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 may have got into the hands of the wrong person.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of credit acceptance. 
credit acceptance is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from credit acceptance and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.
Consumer complaint received 2021-08-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

In XX/XX/XXXX a merchant fraudulently charged Bank of America my credit card for unapproved services in the amount of amount of {$11000.00}. I immediately alerted Bank of America regarding the transaction which followed a series of back and forth investigation.

Since then the issue remains unresolved despite efforts on my part to get the matter resolved fairly.

Instead of investigation the matter, Bank of America unilaterally started reporting my account to the credit agencies for default on payments despite the fact that i continued to contact the company and share documents related to the dispute. All this time, i continued to make minimum payments on legitimate balances that i felt i should have been paying pending the dispute resolution. 
Other than the disputed transaction, I have had no any other credit issues on record. But the action by Bank of America has has had the greatest impact on my then excellent credit rating, causing denial of credit and loan applications The bank is now claiming that because of the default they have closed the account and that they are going to charge off the account at the end of XX/XX/XXXX.