davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
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)

TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!
Consumer complaint received 2017-11-25
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: Experian Information Solutions Inc. (IL)

account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.
Consumer complaint received 2017-11-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Blitt and Gaines, P.C. (IL)

Back in XXXX XXXX XXXX tried to sue me for some past student loans. I tried to dispute them, but was unaware of the law at that point. Many of the loans in question were reaching or been expired based on the Illinois statue of limitations, however that did not stop them from hiring Blitt and Gains, pc. Upon trying to serve me they hired someone who came to my door at approximately XXXXXXXX XXXX on a week day and stated he was a member of local law enforcement. When I asked him to show me some identification through the peephole he refused, and I then called the actual police on him. At which point he stated he was not a part of law enforcement and told them he was there trying to deliver me some papers. He never specified what the papers were, the police officer had to stand in between myself and the guy and asked if I wanted to sign for the papers I said no, and that I did not want them. I had no idea what they were and because he has scared me and my kids, I wanted no parts of it. The police then instructed the guy to leave, at which point he did. It was n't until I got a letter from the courts saying that the company was given a default judgment against me and I went to the courthouse, did I learn that he was trying to serve me. I told the judge I was not properly served and she told me I had to file some paperwork. At that time I did not have the money to file and was as a result have been getting garnished by Blitt and Gaines on behalf of XXXX XXXX. As of recently I read that they are being sued for improperly filing cases against clients. Since then they have been ordered to stop collecting, however, XXXX XXXX is still actively garnishing me and has been since XXXX. They have taken over $ XXXX from me unlawfully. Also, Blitt and Gaines has been over charging me and collecting more then what was originally stated on the court documents. Since the lawsuit, they have not recertified the garnishment through the courts, something they are supposed to do every 90 days, but have been garnishing me based on the last recertification which was more then 3 months ago. I have tried to contact Blitt and Gains several times and they refuse to provide me with the documents requested and they keep using the garnishment as proof that I owe this debt. My rights have been violated and I need help to get my money back and stop them from garnishing me any further.
Consumer complaint received 2017-11-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pioneer Credit Company, Inc (LA)

There was not an option for my problem. This report has showed on my credit and damaged my credit for 7 years and 6 months. I have tried for almost a year to contact the company with no return calls. When I call the number one of the office braches have given me for the main office that takes care of the debit I always get an answering machine, I leave a message, and they never return my call. I have been trying to buy a house and this debit that I am not able to pay is damaging my interest rate. I have disputed this account thru XXXX XXXX and the return response was they were going to remove from my credit but it remains as a {$230.00} charge-off. Please remove this account from my credit so I can buy a house!
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Kohls credit card and they declined me based on the decision that it could of been fraud. I called them after I applied to get a decision they should of known it was not fraud. I recently called them back to at least have the inquiry removed since they did not attempt to give me credit and was told there was nothing they will do. How can a company pull your credit which puts a inquiry on it and they did not even check if i qualify for credit.
Consumer complaint received 2017-11-27
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. (FL)

Purchased a Mattress from XXXX on my XXXX XXXX  Credit card. Was delivered three, charged for 2.  First delivery, damaged in shipment and not delivered. 2nd Shipment delivered. 3rd delivered and delivery refused and told by amazon to me to do. I also purchased an XXXX Gift Certificate for XXXX dollars to receive a XXXX dollar bonus which also appears on my statement. Talked with XXXX dispute resolution and they stated i could only dispute the charge for the extra mattress. Unfortunately, the charge appears as one line item, but in actuality is combined of 4 items : 1. A mattress costing XXXX less a credit of XXXX XXXX. A mattress frame costing XXXX less a credit of XXXX Therefore being allowed only to dispute XXXX when the mattress never received cost XXXX as reflected in the XXXX statement charge is incorrect. I spoke with both XXXX and a supervisor and was not able to record a dispute the credit not delivered of XXXX.
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.
Consumer complaint received 2017-11-27
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. (MI)

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

My XXXX XXXX XXXX, XXXX XXXX digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXXand GAP insurance took a while to pay theirs which was the balance of about {$5100.00}, and Hyundai reported it as a missed payments XXXX times. GAP insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
Hyundai has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when HYUNDAI told me to stop all payments the moment my car was totaled. That was a XXXX way call between me, my insurance agent and Hyundai finance representative.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NJ)

Today I've received a notice saying that a debt is owed to XXXX. I've only had XXXX XXXX XXXX and XXXX. I only have XXXX currently and my bill is up to date. So where is this coming from when XXXX was never on my credit report? 

If they are claiming I owe {$1400.00} I need the following items MAILED to me immediately : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (ID)

On XX/XX/XXXX, I attempted to transfer {$150.00} from XXXX XXXX  to Chime. XXXX  sent the money and Chime rejected it. The $ returned to my XXXX  account on XX/XX/XXXX. 

Chime says a name other than mine was on the account. I am the sole owner of both accounts, and there is no trust, DBA, estate of, second signer, or any unusual ownership. The name on both is XXXX XXXX. 

I reached out to chime and they refused to tell me whose name is on the account. XXXX actually pulled up the batch report sent to XXXX and state my name was on the account field for the ACH. 

Chime told me I could send an email, unsecured, regular email to XXXX. I have repeatedly objected to this as a unsafe, unsecured way to exchange personal details. They wanted an id and I reluctantly sent them a copy of my passport. They continued to refuse to give me the information and have demanded a copy of my driver 's license and social security card. They want it attached to an unencrypted, unsecured email. 

I am done with Chime. I am closing the account asap. My direct deposits do not go there anymore. 

I still don't know who tampered with my ACH, or if they mistakenly erred in rejecting the direct deposit and won't admit it. 

They appear to be violating the Graham Leach Act of 1999 that requires banks to handle personal information with more security. Why is a BANK asking for my social security card in such an unsecured and unsafe way? Why do they keep stonewalling my request for some basic information???
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This issue involves my request to have my replacement card XXXX MAILED to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2021, Captial One emailed me document links that I could not open after repeated attempts. Capital One requested copy of " Personal Indentication. '' For intregrity reasons, _Capital One - Deceptive Business Practices, Failure to Disclose Specific Information_I requested my Ohio Senator XXXX XXXX Office to forward the front and back of my U.S. Passport Card.

Capital One responded in a response to my Senator that Capial One could not accept my U.S. Government Issued Passport Card. Capital One NOT once specified what documents were acceptable.

Furthermore, Capital One has insulted my integrity. I have faithfully paid and kept my credit card account in good standing and I do NOT engage in any criminal and or corruptive activites in any shape, fashion or form. Capital One insulting of my integrity is NOT appreciated. 

It is NO wonder why in XX/XX/2021, Capital One was charged for willful and Negligent Violation of Bank Secrecy Act. Ordered to pay {$390.00} million in fines. Capital One is not worth my patronage. Capital One is Deplorable!!! 
On XXXX XXXX, I phoned Captial One and explained that I was overseas and offered my telephone number, but representative XXXX said NO Capital One would not call me overseas.
Consumer complaint received 2021-04-01
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. (MD)

I sent XXXX XXXX a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (MI)

My mortgage was being serviced by Loancare , LLC of XXXX XXXX XXXX, XXXX XXXX Va XXXX. They automatically took the mortgage payment from my checking account on the first day of each month ever since they took over servicing the mortgage. Our LAST mortgage payment was due to be taken out on XX/XX/2021, and more than enough funds were there. However, Loancare failed to take out the last payment on XX/XX/XXXX, which I did not realize until after I looked at my Bank Statement after XX/XX/XXXX, and claimed that I had not asked for a pay-off letter so they did not take the final payment. No one ever told us that we needed to request a pay-off letter, and after requesting one, they demanded that we wire the last payment to them even though it was less than the money they were holding in escrow for taxes and insurance. ( They did refund that money later. ) We wired the money immediately, at a cost of {$35.00}, but in the meantime, Loancare reported us to the Credit Reporting Agencies as missing payments, which caused a huge drop in my credit score.

When I wrote to Loancare to correct their mistake, all they did was to report that the account was now current and closed, never correcting the erroneous characterization of our payment as being late.
Consumer complaint received 2023-11-20
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-20
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. (IN)

recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am writing to inform you about a distressing incident involving a scam by an international online seller on PayPal. Despite being scammed, PayPal has not taken any action to investigate or deactivate the seller 's account. I had no opportunity to recover my money as the transaction was completed before any action could be taken. The seller 's PayPal accounts, XXXX and XXXX, are still active, posing a risk to others. 
I paid to Paypal account : XXXX first and then he requested more money from me through XXXX. 

The fraudulent transaction occurred with a seller who claimed to be a clothes and bags manufacturer based in XXXX. They offered complimentary goods for a marketing event, with the requirement of covering the shipping fee. I paid {$130.00} for the shipping fee, assuming it was reasonable given the origin in XXXX. However, after the payment, the seller requested additional funds. I refused, asked for a refund, and the seller blocked all communication. 

I contacted PayPal for assistance, but they were unable to help. Similarly, my bank couldn't assist as the payment was made directly from my checking account. I'm concerned that the seller will continue scamming others, while PayPal has taken no action to terminate their accounts or address the refund issue.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I tried to use my card on XX/XX/21 at XXXX XXXX restaurant for approx XXXX and card was declined, tried to use the card elsewhere and still declined. I was not able to log in to my account either. I was finally able to reach them by phone and was told my account was under review. Next day got an e-mail that my account was suspended and I have no way to get my money from the card over {$6000.00} I can not withdraw, purchase or anything and they will not help me the only phone numbers they give just ring and can not leave a voicemail. My paycheck is also deposited to this card.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2020, all my accounts were closed for no reason per Bank of America and, so they state that they have a right to close an account for no reason, I do not agree to that I've had my account opened with them for many years and never had an issue, I had a friend that asked me to do the favor of accepting to have his unemployment check deposited to my account of which I authorized and the bank automatically flagged it as fraud, My friend does have all his proper documents to show proof that he is entitled to that money, as I had mentioned to the rep at Bank Of America, not only that my grandmothers funds were also taken wrongfully and its her only base of income, every time I call it's a different excuse and I can't get a straight answer or speak to someone directly who can give me a time frame.