davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (KS)

Attempted to have XXXX XXXX XXXX to update my XXXX Credit Card late payment which happened for only 2 months over 2 years ago as reflecting as derogatory on my credit reports thus impacting my FICO scores and my perfect on-time payment history of auto deductions from my checking account for 2 years of above minimum payments. They chose not to update it. However, they change the Account Type from CREDIT CARD ( which it is -- a XXXX credit card ) to MANUFACTURED HOUSING ( I've NEVER owned any type of housing ) I'm renting an apartment in Public Housing. 

As you can see, I've disputed this twice with Transunion telling them this was a credit card but again as you see in the attached document it shows incorrect Loan Type. I'm not disputing the amount nor the credit card. I'm trying to get them to do me a favor in removing it from derogatory account status and make right the Loan Type. I've never asked for an increased in the credit limit in the time I've had this account either, that would be favorable also to my credit score but I  haven't asked for that.
Consumer complaint received 2018-09-12
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: DISCOVER BANK (GA)

I have contacted Discover Card several times about this matter, Discover is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but Discover had not done that at all.Not happy with the Discover Card company
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I was trying to pay my XXXX XXXX Store Credit Card bill this morning and I noticed a {$220.00} fee I did not make onto my account. The purchase was made on XX/XX/2018. I have not used my Credit Card in months and I need to know how my credit card was used.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (ID)

See I was going to pay them the amount due. But they keep adding more to what I really barrowed. Is it my fault that I tried calling them but then they keep adding in more of what is barrowed. Even a credit advised me to pay the difference of what the amount is due and it ain't what they say. And thell charge me more for just trying to pay the difference off. And that's why I'm having difficult time paying them off.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

I responded to an American Express account opening bonus offer, wherein I was offered XXXX bonus points if I spent {$2000.00} on the credit card in first 3 months. I applied and was approved for this card in late XX/XX/2018. 
I spent more than {$2000.00} on the card by XX/XX/18. I contacted customer care via online chat on XX/XX/18, who confirmed that I had completed the requirements for the bonus, and that the bonus will be credited in 6-8 weeks after the requirements were completed. I contacted them again on XX/XX/18 as the bonus was never credited. I was then told that although I had completed the requirements, the system was not recognizing all the charges for some reason, and that they will have to conduct an investigation which may take 3 months. 
It has now been 3 months since fulfilling all the requirements for the bonus, and now I will need to wait another 3 months for this investigation.
Consumer complaint received 2018-09-11
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: ALLY FINANCIAL INC. (IL)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an inquiry made by Ally bank on behalf of XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/2018 related to this application. AN official dispute of this inquiry was sent to Ally bank XX/XX/2018 and to XXXX XXXX XX/XX/2018. Ally bank replied that XXXX XXXX was the party responsible for inquiry removal ; this statement by Ally is incorrect according the FCRA and Ally is now in violation of FCRA guidelines and at this time are in violation of my client 's federal consumer rights.
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

I have spoken with first Virginia several times over the last week. I informed them my income changed and was struggling to pay loan. I worked with their corporate office and attempted to do partial payments. I really couldn't afford them but was trying to make an effort to do something. Now the loan is so far behind its about to default and all this interest and fees are being placed on account. On XX/XX/18 I spoke with corporate office a lady name XXXX who had left me a message 2 days prior saying that it would be too late if I didnt call back in 3 days this was left in my voice mail. When I called back she told me that only option she could offer is for me to pay {$270.00} I believe and they would match that and make a payment for me. I told her I cant do any where close to that she told me to call back and talk to customer service see what they could do after default. I called on XX/XX/18 and spoke with the manager I  believe his name was XXXX of the first Virginia store in XXXX XXXX XXXX XXXX PH # XXXX I spoke with him on XX/XX/XXXX as well and had been calling him since Friday afternoon because he had told me he was going to see what he could do to help me and call me back but he never did so I called him. he offered the same for me to do payment of XXXX and they will match that and make a payment or do s payment of XXXX and that will make account 30 days past due. when I told him I could only do XXXX and do the rest my next pay day to make the payment XXXX he said that wouldn't work because another payment will be do. Then he started to threaten me and tell me if I didnt do one of the options and it defaults I wont have any money anyway because they will take it was his exact words. he said I needed to make a decision before they take it I told him there isn't that kind of money in my bank account he said no they will take from your paycheck and you wont have a choice. And that if I get something figured out call him back. He was very rude and threatening
Consumer complaint received 2018-09-12
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: AMERICAN EXPRESS COMPANY (CA)

This is regarding Complaint ID 's XXXX, XXXX and XXXX. 
I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND
Consumer complaint received 2018-09-12
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. (AR)

In XX/XX/2018 I disputed an inaccurate account with XXXX XXXX Credit reporting company. In XX/XX/2018 Transunion reported that the account was verified and accurate. ok well in XX/XX/2018 I sent a certified letter to Transunion to be exact the letter was dated XX/XX/2018 I sent the letter to Transunion on XX/XX/2018 I have copies of the certified mail receipt that the letter was sent to them.. The letter was the METHOD OF VERIFICATION OF THE PREVIOUS DISPUTED ACCOUNT ON MY CREDIT REPORT,, THE ACCOUNT LISTING IS XXXX XXXX XXXX # XXXX, TRANSUNION RECEVED THE LETTER ON XX/XX/2018 I HAVE A COPY OF THE DELIVERY NOTIFICATION THAT WAS GIVEN BY THE USPS ... SO  TRANSUNION RECEIVED THE LETTER ON THE XX/XX/XXXX, AGAIN THE LETTER WAS THE METHOD OF VERIFICATION.. AS A CONSUMER I AM EXERCISING MY RIGHTS UNDER THE FCRA 611 ( A ) ( 7 ) WHICH I WAS REQUESTING A COMPLETE DESCRIPTION OF ALL METHODS USED TO INVESTIGATE MY AFOREMENTIONED DISPUTE. I REQUESTED ITEMS THAT WOULD FALL IN THE LINE OF THE FCRA 611 ( A ) ( 7 ) AND TRANSUNION FAILED TO SEND THAT INFORMATION TO ME. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER AND IT AGAINST THE LAW AND TRANSUNION IS NOT FOLLOWING THE RULES OF THE FCRA ... .THEY NEED TO REMOVE THIS ACCOUNT ASAP FOR I AM ABOUT TO GO DOWNTOWN AND FILE A SMALL CLAIMS SUIT AND HAVE ALL THE PAPER WORK SHOWING DID EVERTHING RIGHT AND TRANSUNION REFUSED TO SEND ME WHAT I REQUESTED AND WHAT I AM ENTITLED TO TRANSUNIOM VIOLATED MY RIGHTS AS A CONSUMER PER THE FCRA 611 ( A ) ( 7 ) ... WELL ON XX/XX/2018 I CALLED TRANSUNION AT XXXX AND SPOKE WITH A TRANSUNION REPRESENTATIVE FROM THE UNITED STATES I ASKED THE REPRESENTATIVE ABOUT A THE DISPUTE WITH THE XXXX XXXX ACCOUNT ENDING IN # XXXX AND THE REPRESENTATIVE STATED THAT THE XXXX XXXX   ACCOUNT ENDING IN XXXX HAS NEVER BEEN IN DISPUTE,,, I STATED YES IS HAS. I GAVE THE AGENT ON THE PHONE THE FILE NUMBER THAT WAS SENT TO ME BY MAIL.THE AGENT STATED THE FILE NUMBER WAS DEAD AND HE WASN'T ABLE TO PULL UP THE PREVIOUS DISPUTE AND THAT HE DIDNT KNOW WHY HE WASNT ABLE TO SEE IT,, THE AGENT STATED THAT THE ACCOUNT WAS NEVER DISPUTED AND I ADVISED HIM THAT I HAD PROOF THAT THE ACCOUNT WAS DISPUTED IN THE PAST AND I RECEIVED THE LETTER FROM TRANSUNION, TRANSUNION IS NOT REPORTING 100 % INFORMATION THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT..I HAVE COPIES OF THE RECENT RESULTS FROM TRANSUNION PERTANING TO THAT XXXX XXXX   ACCOUNT ENDNG IN XXXX. THE FILE NUMBER IS HIGHIGHTED AND I KNOW THIS ACCOUNT WAS DISPUTED BEFORE, TRANSUNION AGENT STATING IT WAS NEVER DISPUTED,,, THEY HAVE VIOLATED THE LAW AND REPORTING INACCURATE INFOMRATION ON MY REPORT AND MY NEXT STEP IS FILING A SUIT ... TRANSUNION PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT FILE..
Consumer complaint received 2018-09-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient wrongly placed my loan into in-school deferment sometime in XXXX. I was not given a notice of this, but a blurb was buried on my XX/XX/2018 statement. Having been enrolled in Autopay, I do not routinely check my statements, instead relying on my Loan Servicer to collect the payment appropriately and keep me on track for full repayment by my maturity date. Never having requested in-school deferment, Navient neglected to collect my loan payment for the following months, until I discovered it today. Upon contacting Navient by phone on XX/XX/XXXX at XXXX Pacific time, I  spoke with XXXX, Rep XXXX. She claimed that I was sent a communication in the Navient portal, and upon further questioning realized that no separate notification existed. It was instead an after-the-fact notification on a monthly statement, after the change had been made without my consent, hidden in a monthly statement that I had not been checking because my loan was enrolled in automatic payments. I have asked that Navient refund the capitalized interest, and indemnify me from their mistake by crediting the accrued interest from the deferment that I did not request. When XXXX declined to do so, I asked to speak with a supervisor. XXXX, XXXX, joined the phone call, giving her title as Supervisor. " On behalf on Navient I sincerely apologize that you were not notified. '' She confirmed that during the deferment period that my loan was put on, not only were payments not collected, but a 0.5 % interest rate reduction for being enrolled in autopay was also removed. I requested that my loan be removed from deferment immediately, and that regular payments begin being made. This call lasted approximately 50 minutes. As a result, I have had over {$250.00} in additional interest be capitalized to the loans principal, and have not had over {$1000.00} in principal reduction made.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.
Consumer complaint received 2024-08-27
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. (IL)

I request a copy of the original contract with my signature from : XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX on XX/XX/year> through both companies and a compliant through CFBP. It has been 7 months and never received original contract
Consumer complaint received 2019-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NJ)

The three accounts I'm disputing : Convergent Outsourcing- Acct # XXXX, XXXX/ XXXX XXXX- XXXX ...., XXXX XXXX- Acct # XXXX. 
On XX/XX/2019, I sent XXXX a request for validation of three ( 3 ) accounts or otherwise remove the negative information off of my credit report. They reported the debts as valid and I again sent XXXX a second written request to provide to me how they " verified '' those accounts, and, again to provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of FCRA they are required to " ... promptly DELETE all information which can not be verified. '' On XX/XX/19 they sent a response " ... we were unable to honor your request or a portion of it ... '' I sent a THIRD letter to XXXX  warning them that I fully intend to pursue litigation against them to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and 617 regarding their willful and negligent noncompliance. Once again XXXX   responded XX/XX/2019, " ... we were unable to honor your request or a portion of it ... '' I fully intend to follow through with pursuing litigation. I already filed suit against Convergent Outsourcing for the same matter, and still awaiting a response from the other two creditors.
Consumer complaint received 2019-02-11
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. (PA)

We have attempted to resolve a billing dispute with Chase and Chase is not protecting me as the consumer under the Fair Credit Billing Act for a lack of service provided by an entity called XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$8300.00}, charged on XX/XX/XXXX. This has been under active dispute with Chase since XX/XX/XXXX after we had problems with the merchant providing contracted services. Chase is sending me letters informing me they are unable to asssit, claiming I did not provide documentaion, which is absolutely NOT true as I responded multiple times via their secure messaging and fax. Additionally, they claim to have called me three times yet I never once received a voicemail from them and on much of my correspondance I provided my personal cell phone number asking to be contacted. I have tried to work with Chase executive offices and they continue to distort the truth about my responsiveness and their resolution procedures. 

Here is what happened with XXXX XXXX XXXX XXXX XXXX : We hired this company to broker our coast to coast move. They advertise that they are a moving broker for vetted, # 1 Rated, top moving companies. I can provide all the pictures and documentation but we did not get paired with a moving company. We received home depot parking lot day laborers without any experience moving at all. WE encountered tons of broken items due to their lack of experience. Additionally, one of the workers was a convicted felon, the other drinking alcohol on the job and the third so hungover he vomited all over my backyard. We did not sign off on our bill of lading inventory because we have over 50 boxes which are unaccounted for. The problems with this unethical and fraudulent business are all documented in my 20 page dispute submitted to Chase but essentially they are not a legitimate business and are frauduently doing business as a " moving broker ''. I expected Chase to protect the $ XXXX of my $ XXXX total bill by consumer protection and have been let down by their lack of quality review of disputes, their horrible resolution process and their delays, lack of communication, which they then falsely claim is the consumers fault for not responding. I can happily provide you my claim documetnation and pictures and the FOUR executive office letters I have now sent to Chase to get this resolved.