davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Debt Buyers are organizations that purchase credit card debt for a negligible amount of cents on the debts face value ( e.g. 1 to 6 cents/ dollar ). Some DBs execute intimidating and coercive legal campaigns in pursuit of debtors who are mostly decent people but due to personal crisis, bad luck, lack of education, improvidence, etc. are in the throes of a financial XXXX  hole. These unsophisticated debtors clearly are unable to afford legal counsel, forced into an indefensible pro XXXX position, and aggressively pursued by rapacious, predatory collection law offices with their unconscionable legal maneuvers to acquire exorbitant profits. 

Specifically in my matter : Initially, I had a conversation concerning my debt situation with the collection agent to advise of my poor financial situation ( no income, no assets ) precipitated by a $ XXXX embezzlement and discuss options ; the response was a cold Well, well just have to see what the judge says. 

Upon receipt of their pre-trial summons, being in that financial XXXX hole, I bothered a dear friend, XXXX, a retired attorney, for his pro bono assistance. He contacted the plaintiffs legal team on my behalf ( with PoA per plaintiff attorneys demand ) and initiated settlement talks. Ref. email thread dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Copy PoA doc During on-going negotiations, I asked XXXX if I still needed to appear at the pre-trial to avoid any default for failure to appear. He responded, NO, they are postponing the pre-trial as we were involved in settlement communications. Ref. email thread XX/XX/XXXX, XX/XX/XXXX Time went by without any plaintiff response, or, in fact, any communication whatsoever. Then, upon receipt of, out of the blue, a copy of notice of appearance as attorney on behalf of plaintiff, dated XX/XX/XXXX, I did some research and discovered that plaintiffs attorneys surreptitiously did not postpone the XX/XX/XXXX pre-trial and, in fact, filed for and received a Default Judgment ( XX/XX/XXXX ) for failure to appear at the supposedly postponed pre-trial. NOTE : To this day, we have not received any notification or communication regarding the plan to file, the filing or date for the Default Judgment hearing. Ref. XXXX of XXXX of Appearance, email thread XX/XX/XXXX Under the superficial appearance of legality, this collection law firm used a sneaky, manipulative, coercive legal strategy that breeches principle and ethics for the sake of disproportionate, Falstaffian profit. At XXXX YoA with no assets nor income other than SS benefits, I am forced to live under the weight of an ill-gotten Court order with no hopes of correcting. This is abuse. This debt collection tactic is unfair, unreasonable and needs to be exposed and investigated.
Consumer complaint received 2022-02-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

I refinanced my loan in XX/XX/XXXX. There is an overpayment on my property taxes. Previous lender on numerous occasions has confirmed they received the overpayment back and had processed the check for reimbursement. I have been following up for weeks on this and as recently as of Saturday XX/XX/XXXX and Monday XX/XX/XXXX i was told a refund check was being overnighted to me. As of today Wed XX/XX/XXXX XXXX ID XXXX is telling me there is no way for anyone to tell this information and this can take upto another 30 Days. I have been on the phone with LoanCare for 1 hour as i am writing this compliant. I asked multiple times to be transferred and was told no one is available. both the county and LoanCare have confirmed multiple times that Loan Care is in receipt of the overpayment of the property taxes. This process is going on 2 months now. I was told as of XX/XX/XXXX the check was being processed and would be overnighted to me to receive on Wednesday XXXX. Now the current team member is telling me there is no way they can promise that would be done. I want this taken care of and the only recourse i feel like i have is to file a compliant.
Consumer complaint received 2023-04-07
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: CITIBANK, N.A. (WA)

On XX/XX/2023 my Citi Custom Cash credit card was stolen while I was shopping at XXXX XXXX in XXXX, WA XXXX. Shortly thereafter, the card was used for the following fraudulent charges : XX/XX/2023 : XXXX XXXX - {$61.00} XX/XX/2023 : XXXX # XXXX - {$33.00} XXXX # XXXX - {$12.00} XXXX XXXX  # XXXX - {$9.00} XXXX  # XXXX - {$16.00} XXXX XXXXXXXX XXXX - {$0.00} XXXX XXXX # XXXX - {$170.00} XXXX # XXXX - {$49.00} XXXX XXXX XXXX XXXX - {$33.00XXXX XXXX XXXX - {$13.00} XXXX XXXX XXXX XXXX - {$30.00} After these purchases were made, Citi automatically flagged my card and disabled it with the correct assumption that my card had been stolen. I immediately contacted Citi to have the card canceled and the charges disputed, and they sent me a new card. 

However, despite the charges being credited to my card and a fraud investigation successfully being opened, the charges were *reversed* and *re-applied* to my card sometime in XXXX and the disputes were closed with the following message : Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( XXXX XXXXXXXX ). 

Legally speaking, I am not allowed to be held liable for fraudulent charges made on my credit card, and Citi is violating consumer finance regulations by attempting to hold me liable for these fraudulent charges made on my credit card. I have contacted them twice since the credits were reversed to have them re-credit me for the fraudulent transactions, however, they have not done so either time despite the customer service representative reassuring me that the charges would be credited to me, and I believe that Citi intends to continue trying to illegally hold me responsible for these fraudulent charges.
Consumer complaint received 2022-02-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccurate account on my Credit Report and regardless of the multiple written requests, NELNET LNS is still being reported reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2023-05-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

After I suddenly started getting fees on my savings account, I checked the rules and didnt understand how I violated them.It looked like I was following the rules so I contacted Wells Fargo . Wells Fargo employee said I wasnt depositing money every month.I had never deposited monthly into my savings. They ended up giving me back one fee but that was after I threatened to take my banking elsewhere.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

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 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX and Transunion is reporting a account from XXXXXXXX XXXX  that i do not recognize this company has been reporting as a collection on my credit report but when i asked for the original purchase agreement to prove i owe this money i never received a response back. i ask that this account be removed they are in violation of the fair credit reporting act reporting inaccurate information on my credit report
Consumer complaint received 2023-05-06
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. (OH)

XX/XX/XXXX  I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have no knowledge nor did I consent to the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AR)

I contacted Transworld Systems in XXXX of XXXX  when I received an alert about a derogatory debt being placed on my three credit bureaus. I immediately contacted the debt collection agency Transworld Systems and advise them that I was disputing the debt. I sent written correspondence via fax requesting proof of the debt with TransWorld systems because I have never entered into any contractual agreement with them nor had I given consent for any of my personal information to be shared with a third party or even sold to a third party. Your office actually filed suit against this company for the same unfair tactics that I am experiencing on the behalf of other consumers. On XX/XX/2023 I filed a formal complaint with your office after noticing that the derogatory misinformation placed on my credit bureaus had not been removed causing me to be declined for credit card increases and an auto loan. At that time I provided court documents proving that I did not owe an outstanding debt to the aforementioned property. It has been over 45 days and the federal law states that they have 30 days from the date of notification to either validate the debt or to remove it. I have documentation from the court clerk as well stating that there was not a lawsuit filed in their Court for relief. The management company is fully aware that the judgment entrance was for no relief and that there were no money to be collected on behalf of XXXX XXXX XXXX managed by XXXX Property Management. This was a malicious attack to damage my credit and it was done by the property manager XXXX XXXX. I'm requesting XXXX relief to be made whole for the month that this derogatory information remained on my credit bureau after proof was submitted on multiple occasions. Deletions are submitted electronically and only take moments to complete. There is no excuse whatsoever for this derogatory misinformation to continue to remain on my credit bureau without sufficient evidence to justify the reporting. I want it removed and I'm seeking damages to be made whole.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no knowledge nor did I authorize the following inquiries XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2018 I received an updated credit report from Experian and XXXX and noticed XXXX XXXX is reporting the incorrect balance and is misstating the balance due. 

What is being reported is {$64.00} when it should be {$9.00}, this {$64.00} balance was updated on XX/XX/2018. 

The balance was changed to {$64.00} weeks later after the {$9.00} balance was reported, this has caused my credit score to drop several points and my utilization to increase to 6 %. 

I spoke with a XXXX XXXX representative on XX/XX/2018 around XXXX and was told that it is the Credit bureaus who is reporting inaccurate information and was instructed to contact all 4 bureaus to dispute that information.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

This company XXXX. They have been removed form my other accounts but they are still showing on my equifax. I disputed with equifax because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with equifax and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX  because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
Consumer complaint received 2018-09-01
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: Experian Information Solutions Inc. (PA)

Experian has the following inquiries reporting in my file. The statue of limitations is 2 years. The inquiry must be deleted. 




XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX   Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX
Consumer complaint received 2015-06-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2014, I booked flights with XXXX XXXX for XXXX people to XXXX XXXX and also bought show tickets. It was all under a XXXX vacation promotion with Chase Bank. I decided to purchase the Travel Protection Coverage in case of an emergency. Turns out I had to cancel the trip so I called Chase Bank around XXXX XXXX to cancel the trip and get reimbursed for the show tickets and flight. I would get all I paid back except the " protection fee. '' The Chase rep was very nice and said she would take care of it. I got a refund for the show tickets on XXXX XXXX, but not for the flight. No one called me or let me know that the Chase policy is to call XXXX a couple of times and if they do not answer then they stop trying. I was changing jobs and did not notice the {$1000.00} was not credited to my account. Months went by and I happened to check my balance and it had not been paid off with my monthly payments. My fees should only have been about {$200.00}. I called Chase Bank and the rep confirmed I had not been credited a refund but that I had to fill out a claim form and show " proof '' of the transaction even though they had the proof. I filled out the form, signed and returned it with my current phone number. A week or so later I get the same claim form to fill out again. I called Chase again and was told someone tried to call me but I did not answer so they closed the case. They called the number in their system and not the number I provided on their form. I get disconnected and had to call back. A different rep said it was true I had not received a credit and he called XXXX. XXXX did not answer so the rep said there was nothing he could do and I had to fill out another form. I was switched to a supervisor XXXX who was very lecturing and annoyed and told me nothing could be done until I filled out another claim form and told me I needed to provide a lot more information than was on their form. She said if they dropped the ball in not contacting XXXX I still had to pay because it took me too long to " notice '' due to their XXXX day policy. XXXX was only interested in getting me off the phone and not resolving the problem. The Protection service does not work. Their claim system is broken and they do n't care. The policies are for the convenience of Chase Bank and not the customer. They go through the motions of talking to customers and being courteous but leave the customer holding the bag. There is no way to tell how many customers have been overbilled due to their so called " protection benefit '' and when they call in, they are made to jump through so many hoops, they either give up or are not helped so Chase keeps their money.
Consumer complaint received 2015-07-29
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

Chase Conventional Loan continue to report derogatory history on all XXXX 3 XXXX credit bureaus/history. Reporting as closed, foreclosure and late pay. This debt was included in my Chapt XXXX BKT and should be noted as such. I 've disputed this item twice with no success and updates to my credit history. I 'm requesting that Chase removes this from my bureaus completely! This account was opened XXXX. They have had many class action law suits for the unfair practice in handling my account. This reporting is impacting my credit history and negatively impacting my credit score.
Consumer complaint received 2018-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX