davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

The online attempt was to freeze my credit at Experion.com. 

You first have to set up an account, first giving your name, address, phone #, email address and SSN #, Birth date, password. You do this at XXXX XXXX XXXX XXXXexperian.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Then it sends you to a page where they advise you to either download an APP for your phone or click on QR-image. I clicked on the QR-Image, which loaded firefox browser and went to a false XXXX page, asking for your ccd info. Here they give you option to sing up for a music service. I did not click that option. Clicked continue. 
The continue bar just kept spinning for 15 minutes.

Within minutes, I got a fraud alert text from my credit union ... and the fraud alert team at credit union called, whereby I decline the charge, and the credit union locked my ccd. Now I must get a new card and update my automatic legitimate bills.

The fraud charge came from a company called caughtinbattle.us.

which according to a scam checking site, gives them a legit score of only 49.5 %.
Consumer complaint received 2024-07-11
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. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Questions I Must Have Answered 1. I want to know why Bank of America has asked me for irrefutable evidence and when I have sent them multiple documents of irrefutable evidence why then have denied my case.

2. I want to know why supervisors themselves have admitted to me that Bank of America has no evidence in which they are basing their case on by explaining to me when requested by me that there is no video footage available. Also realize by me and multiple supervisors that the evidence that Bank of America sent me and used for the case is not in fact evidence at all just a printout of the transactions that happened to me.

3. I want to know what basis they are basing their decision off of and why I have been denied multiple times.

4. Each time my case was denied it was denied within two or three days maximum. I want to know why Bank of America though repeatedly requested by me refused to conduct a full investigation which should at least take up to 45 days 5. I want to know why Bank of America never contacted the police for detectives about my case in which I turned in a police report three and a half months ago.

6. I am requesting a copy of all notes from supervisors and agents that i spoke with during these periods about my case.

7. Why was Bank of America deceptive in their tactics. They misinformed me plenty of times and even though I ask questions repeatedly I received different answers each time I want to know why after I identified the issues as listed in my case that they did not address these issues for continue to ignore them and deny my case again within two days.

I read the statement on my case and these questions were forgotten
because these questions were the most important questions that I wanted to ask. I am sending them now because I do not see them in my statement and my statement does not read the way that I believe I said it so if possible I would like to re record my statement or if advised, I would be willing to type my statement and send it in to you because this case is a lot more unique than presented. I've been dealing with this case for a year and a half almost two years now, actually two years and one month now that I think about it. I would like to speak to someone more in-depth about the situation to explain exactly what is going on and what has been going on because I believe that Bank of America from the start has outright lied to me to brush me off and get me off the phone. I also believe that they have been using deceptive tactics to
repeatedly and continually deny my case. These questions above are very important and I would like them added to my case immediately because these questions need answers from Bank of America to me. Thank you very much. Be well. This state ment is to be added to XXXX XXXX XXXX as i do not see it in the statements typed for me.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/year> I received an e-mail from Wells Fargo letting me know that on XX/XX/year> my Crown Checking account would become an Everyday Checking account. 

My Crown Checking account did not have any recurring monthly fees or minimum balance requirements. The Everyday checking account does have a monthly service fee of {$10.00} and a minimum balance requirement of {$500.00} to avoid this fee. 

As I have not used this account in a long time and the balance was low ( approx. {$12.00} ), I called Wells Fargo to close the account before the changes take place. However, I was told that they were unable to close the account and that I would have to go into a Wells Fargo branch in person to close the account. 

I did go in person on XX/XX/year> to the branch located at XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, but was told by the branch manager that the process to reactivate my checking account only to close it would take about 30-40 minutes. I am not able to be away from my workplace for this long during the day and the branch is not open after my workday ends or before it begins. 

Since I have such a low balance in the account ( ~ {$12.00} ), I am afraid that the account will start to accumulate fees of {$10.00} per month which I would be liable for paying and the bank is not allowing me to close the account. To me, this seems like a predatory practice in charging fees to the customer since I would like to close the account to avoid the fees but the bank is not allowing me to do so without a significant investment of time away from my workplace.
Consumer complaint received 2023-03-10
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. (NY)

Reporting of inadequate loan XXXX which occurred interest and lowered XXXX XXXX XXXX XXXX prior from XXXX to XXXX noted Observing XXXX XXXX credit score everyday XXXX XXXX does not own Student Loans XXXX which appears on his Transunion Credit Account XXXX XXXX does not own student loan XXXXPlease provide the contract and signed documents also the closed loan. 

XXXX XXXX only has 2 student loans which both have been paid off for. 
XXXX XXXX 's current credit report is XXXX XXXX points has been subtracted unfairly off of XXXX XXXX credit score. 

Please update XXXX XXXX credit report and score fairly. 

Please stop adding past accounts as new Transunion when XXXX XXXX credit score increases ... and please update XXXX XXXX XXXX score in a timely manner as it is being built and reported. 

XXXX XXXX credit Builder accounts are not being reported fairly and timely as they are being paid off every month to his credit score. 

XXXX XXXX credit report is being stifled by Transuninon with improper Grade. 
from A to B of Credit age when his oldest account is XXXX XXXX XXXX and should be 6 years to XXXX XXXX XXXX Transunion left Inquiries on XXXX XXXX account which is now Grade B. 

XXXX XXXX credit mix moved from A to B now C to impact his credit Score please fix XXXX XXXX credit mix Transunion. 

Transunion Left Delinquency on XXXX XXXX credit statement which is detriment to XXXX XXXX good standing All of XXXX XXXX student Loans have been paid off in full and loans closed or being paid for. 

Transunion has nothing on Credit Usage when I have credit builder loans and credit builder accounts please fix this the correct way Transunion is retaliating against XXXX XXXX credit score because XXXX XXXX is reporting inconsistency of Transunion credit reporting and bad credit understanding of what Transunion is doing as credit reporting. 

Transunion keeps blaming its computer Algorithm and refuses to take responsibility and credit report fairly.
Consumer complaint received 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (DC)

I

am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. In addition, this company was involved in a class action lawsuit and they were in violation of the UCC code. The company violated the FCRA and regulation v by providing inaccurate information to credit reporting agencies. The entry in question is as follows : Creditor Name : Santander Date of Repossession : XX/XX/year> I respectfully assert that this entry is inaccurate for the following reasons : 1. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law.

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, [ State Name ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Unauthorized credit card charges were made on my discover credit card. I immediately called and reported the card lost and filed a police report. Discover is refusing to refund the unauthorized fraudulent credit card charges. 

This is the second time filing a complaint with CFPB. My credit card was lost/stolen on XX/XX/year>. Police report was filed and was sent to discover bank by U.S. Mail.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MS)

In XXXX Synchrony closed the XXXX accounts I have had for year with XXXX 's, XXXX, and XXXX. 
All accounts were in good standing, never missed a payment or was late. Paid most account balances in full on, or before due dater. 
XX/XX/XXXX I tried using XXXX 's card and it was declined. I checked and same with XXXX and XXXX. I talked to XXXX people at Synchrony. Could not tell me why, " You will get a letter ''. 
I did and all it said on all XXXX was " Activity with Synchrony indicative of high risk of failure to pay ''. I called back and got the same answer. The lady said I could file a dispute with XXXX that Synchrony used to grant credit. I did and after 30 days I received a report that I could find nothing absolutely nothing in it for their action. The lady at XXXX stated that my credit looked good. She suggested that I reapply to XXXX I did, they issued me another card with {$8000.00} line of credit after running a credit check with XXXX. I tried to use my new card at XXXX today and it declined. It too has been canceled. 
I am attaching the report from XXXX and XXXX after my dispute. The XXXX Report never gave me a ligitimate reason for XXXX 's action, My credit score with XXXX is over XXXX and in high XXXX with the other XXXX. 
I need help. I am a retired veteran and use XXXX for my military discount. I use my XXXX to Scan and get a 5 % discount. 
I have checked my credit files and can find anything indicating I am high risk I have sufficient income to handle anything I purchase on credit. My equation Outstanding amount to balances is extremely low. 
Please help me understand the closing of XXXX good accounts that are excellent in payment history. .I have sense asked XXXX to file a new dispute. Have not heard anything from them. XXXX was very helpful but I never found out wny?
Consumer complaint received 2024-10-03
Product: Credit card — Store credit 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: Colony Brands, Inc. (AL)

This is a shipping dispute -- never received the item. Ginny 's billed me even though I did not receive the item. Total confusion -- I recall receiving the item later on and returning it immediately. I even called accounting trying to rectify the problem and was assured the problem was fixed, but received a bill and a late fee. For some unknown reason Ginny 's refuses to comply with Fair Credit Act and remove 30-day late. I have never been late on any bills and have an excellent paying record with all my accounts. I have been disputing this item for almost two years.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP (TN)

On XXXX I went to the teller and wrote a check for {$300.00} for deposit to my account and I handed {$200.00}. in cash to deposit into my account. {$500.00} total deposit. The lady gave me a receipt for {$300.00}. I said what is this, what about the cash. she then proceeded to give me another receipt for {$400.00}. I was puzzled, went out the door and realized she shorted me {$100.00} cash. I went back and she denied it ; told me I was mistaken. I went to the XXXX to file a complaint after I explained what happened. He made a phone call and said they have cameras. He would notify me about the investigation. 
I called the XXXX on XXXX. He told me as soon as he heard from investigators he would call me. I called back a week later XXXX and left a message to call me. I called again on XXXX and XXXX leaving messages. The XXXX XXXX XXXX from Old National Bank will not return my calls. I do not want to go back and cause a scene because I am XXXX XXXX XXXX and very upset. 

Please help me. 

Bank information : XXXX  XXXX Old National Bank, XXXX XXXX XXXX  XXXX, XXXX, TN. XXXX
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

Through the month of XXXX, Ive received over XXXX phone calls from Navient about my late student loan payment. Ive turned my phone on silent because of how often my phone was ringing sometimes they call me up to XXXX times in a day. At this point, its harassment and I would like to take legal action. The lost states that the collectors can not call more than seven times Within a seven day period. Or within seven days after talking on the phone with me about said debt
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC (DE)

Today, XX/XX/XXXX, I went to pay my mortgage, and the amount was different from last month. I asked why they placed me on hold and never returned. I checked online, and it shows that I am delinquent for 155 days, but I paid on XX/XX/year>. My problem is that my payments are not being applied and they are putting my home in jeopardy. I called back and was told they are working on this and it should be corrected by next week. Again I received no notice of this and still have not received a monthly statement. Please have my account audited so that my payments are applied correctly and not overpaying in interest. I have not paid the XXXX payment yet. I have included a copy from the website showing my delinquent account and proof of payments. The payment started with Village capital in XXXX of XXXX  before that it was with another service provider.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
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. 

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 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I was shopping while on vacation at the Shops of the XXXX in XXXX XXXX, Louisiana on XX/XX/year>. The transactions made on this day were meant for souvenirs for family, and seeing as how I wanted to buy several I had a budget of not going over {$20.00} per souvenir. While shopping in this market, I bought a shirt that should not have been more than {$15.00} from one of the vendors, but as I was not handed a receipt I believe I was intentionally overcharged without my knowledge or authorization by XXXX XXXXXXXX XXXX. When reviewing my billing statement I noticed that I had been severely overcharged ( over {$400.00} ) and immediately filed a dispute with Chase. After hearing back from them after having my case closed, I called again to inquire about the dispute and even faxed a letter explaining my situation in greater detail and attempting to re-open another dispute. On XX/XX/year> I contacted Chase via phone again to inquire about why I was responsible for the overcharge after Chase had reviewed my letter. After trying to get more information about the investigation from the representative, the Chase representative was extremely rude and kept interrupting me to state that I needed a receipt- even after informing her that I did not have one. When I inquired if Chase had any information on the merchant so that I could contact them, or if they had attempted to, the representative told me no and did not provide me with any other information or avenues to assist me. As of today, I have not been able to find a website or business number for the merchant.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC (IL)

I made a {$660.00} purchase and used XXXX, which I later found out was Monterey Financial. Long story short, I was charged over {$1800.00} and have been making monthly payments of {$130.00} since XX/XX/XXXX. They offered me a hardship solution payment. I have called in and made payments via the website and I have received the payment confirmation only to have Monterey stating that the payments have not been made on time or according to the agreement. The last payment was made on XX/XX/XXXX, but I received notification that no payment was received. Plus, they are reporting past due payments on my credit report. This company is a ripoff and I want to be done with this deal.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

About a month ago I received an email from Experian telling me the email associated with my account had been changed. This was confusing because I had neither made this change. I soon found that a hacker was able to circumvent all of experian 's security measures ( including bypassing a two factor authentication ) and gain access to my account. Unfortunately Experian has refused to take ANY measure to protect the incredibly sensitive information they have allowed this hacker to access. Indeed it is impossible to speak to anyone except an AI over the phone and when I finally received a response to an email ( which likely also came from AI ) I was told the ONLY way that Experian would take ANY action to protect my information would be if I mailed or faxed them substantial personal information including a copy of my social security card. When I asked for a more secure and less onerous way to submit such sensitive info all I received in response was an AI giving me the mailing or fax address. The fact that in 2024 such a large company with access to such sensitive personal info is somehow both unable to implement basic security measures like an effective two-factor authentication and unable to provide an easier and more secure way to resolve what appears to be significant security failures or take any measures to protect my personal information in the interim is frankly shocking. A brief XXXX search will reveal this is not an isolated instance and indeed this issue has existed for years and affected many consumers. However it seems rather than improve their security Experian has simply decided to make resolving the issue as difficult as possible. I urge you to take action.