davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-19
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MN)

My loan is services my Nationstar, the loan itself is roughly 4years old. My escrow was set at a certain amount every month. Someone at Nationstar filed my insurance of the PMI incorrect and it made my payment skyrocket. I have called XXXX different times to get it resolved. At first it was even hard to talk to someone that could understand my situation. Finally after being transferred over and over I was led to a woman who was able to tell me that I owed the money for their mistake. I did n't give up there because reading online it seems this is unethical and bad business practice. I was then put in contact with a manager of the insurance department. He was very nice and took my information down and assured me they would figure something out. He called me the day after and said he was still working on it, which was a change of pace from how I was treated earlier. I thought I was in good hands. I was wrong because I let it go about 32 days and called him back. I left XXXX voicemails over 2 weeks thinking he was going to get back to me. I could n't be any more wrong. He has yet to call back and my payment is still higher than what I signed for. I have not missed my payment over the life of my house in 9 years. I do n't intend to start now. This company is to put it lightly, making it difficult.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I contacted Bank of America ( BOA ) to make a payment on my credit card account ending in XXXX in the amount of {$970.00}. I immediately realized the amount was taken out twice ( as I also had my online account opened ) while speaking to the representative. I immediately brought this to his attention and he apologized and informed me that he completed the required forms and the extra {$970.00} payment would return to checking account in 4 days. I called back on XX/XX/XXXX to enquire why it was taking so long and was told it would take 10 days. The following week I went into BOA ( XXXX XXXX ) to open an IRA and also brought it to the attention of the Financial Consultant at that location close to XXXX XXXX XXXX. He did Not understand why it was taking so long but told me to give it a week. I called after a week and initially locked all my cards. ( I realized instead of returning my monies BOA was immediately deducting the amount from {$970.00} each time the card was used, so I stopped using all BOA and locked them. ) I called again the following week and requested to cancel all my credit cards and have the surplus returned to my checking account ( which is also held with BOA ). I was transferred to various departments and was informed that a check would be mailed out to me as they could not transfer it to my checking. BOA at that point fabricated a story that my credit card was fraudulently accessed and I was locked out of my online accounts for a week. On XX/XX/XXXX I went on vacation to XXXX for over 2 weeks thinking it should be returned to my checking account by the time I return to the UShowever, to no avail. On XX/XX/XXXX, I went into my local BOA and made a complaint to XXXX XXXX XXXX, Financial Consultant. He contacted the credit card division and they stated it would be returned to my checking account within 10 days. Ive heard that numerous times before and it still hasnt been returned to my checking account. I think this is very unethical behavior ; a blatant disregard for my rights as a consumer and an abuse of power. Thank you very much for your assistance in this matter. Greatly appreciated!!
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Subject : Unreasonable Forfeiture of Itinerary Value by Chase Travel Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Travel regarding an unreasonable forfeiture of itinerary value during a flight change process. Here are the details of my case : Flight Booking and Change Request : Original Booking : XXXX XXXX XXXX flight from XXXX to XXXX on XX/XX/XXXX, booked through Chase Travel for {$830.00}.

Change Request : A few days later, I decided to change the flight date to XX/XX/XXXX with the same departure and arrival locations and the same airline. The new flight fee was {$730.00}. 

During the change process on the Chase website, the system informed me that the fare difference of - {$100.00} would be forfeited. The payment summary stated, The modified trip costs less than the original itinerary value. The remaining value cant be applied to any airline change fees and will be forfeited. 

Communication with Chase Travel Specialist : Date : XX/XX/XXXX Time : XXXX XXXX Outcome : The operator read Chases policies and rules and informed me that I am not allowed to change to a lower fee flight and can only change to a flight with a higher fee. 

Complaints : XXXX. Unreasonable Forfeiture of Itinerary Value : Chases policy of confiscating the difference in fare when changing to a lower fee flight is unreasonable. Customers are required to pay an airline change fee, and when changing to a higher value flight, we need to pay the difference. However, when changing to a lower value flight, Chase does not return the difference nor apply it to the change fee, which is unfair to customers. 
XXXX. Lack of Transparency in Policies : During the booking process, Chases rules and policies do not adequately cover the scenario where a customer changes to a flight with a lower fare. The system only reveals this policy of forfeiture at the final step of payment during the flight change, which is not transparent and misleads customers into making decisions without full knowledge of the consequences. 
XXXX. Inconsistency and Miscommunication : Chases rules and policies are unclear, leading to inconsistencies even among their employees. The operator, after reading the rules, informed me that changes to a lower fee flight are not allowed. This contradicts the systems allowance of such changes, creating confusion and frustration for customers. It is unreasonable that Chases system permits the change but then imposes a forfeiture, which was not communicated upfront. 
XXXX. Potential Price Fluctuation Impact : Airline ticket prices fluctuate frequently. Currently, the price for the flight on XX/XX/XXXX is {$730.00}. I request Chase to address this matter promptly. If the resolution time is prolonged and the ticket price increases, I expect Chase to cover any additional costs incurred due to the delay.
Consumer complaint received 2024-01-19
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00}.
Consumer complaint received 2024-01-19
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. (FL)

I trust this letter finds you well. I am writing to express my ongoing concern and dissatisfaction with the numerous attempts to correct the reporting of late open account on my credit report, which is maintained by three Credit Bureaus. Despite my concerted efforts to rectify this issue, the late open account persist, adversely affecting my creditworthiness. 

The late open account in question still appeared on my credit file and it have been inaccurately reported as opened late. I have attached copies of supporting documents such as Driver 's License, SSN, and POA, to substantiate my claims and demonstrate the incorrect reporting of this account. 

I have undertaken several steps to address this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of this late open account. 

I have communicated directly with the creditors associated with this account, seeking their cooperation in correcting the reported opening dates. Unfortunately, these efforts have not yielded the desired outcome. 

I have followed the appropriate channels to dispute this inaccuracies multiple times, yet the late open account persist on my credit report. 

The continual reporting of late open account on my credit report has a profound impact on my credit score and financial opportunities. It is crucial that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late open account, verifying their accuracy and timeliness. 

Collaborate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of this account. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

Advise me on any additional steps or information required from my end to expedite this process. 

I recognize the importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX Balance : {$180.00}.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2024-01-19
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : 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 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
Consumer complaint received 2024-01-19
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. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
XXXX XXXX XXXX XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of america promised me a 36 month 0 % via phone but sent me something else in the mail. spoke to rude supervisor XXXX out of New York XXXX and was told he was the highest I will ever speak to and I have called multiple times and I will not get anything. Very hostile employee. I was told in XX/XX/ that if I complained my credit card account will be closed
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i sent a better to trans union XXXX months ago disputing inaccurate information on my credit and they sent me a letter back saying to send proof of my identification i did that, then proceeded on with my dispute letter and they sent me a letter back stating they cant verify my information and i dont understand why there not comply with the law and the rules when it come to this.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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. Or 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 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called to close my account. I had my account set on auto-pay the entire time and it still showed that I have an active auto-pay account at the time my payment was due but somehow the auto-pay was cancelled. I contacted capital one and offered to pay the balance due minus the late fee because it was clearly an error. After speaking with a representative and a supervisor Capital One refused to remove the fee and told me I would have to pay it.
Consumer complaint received 2024-01-17
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. (MD)

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.

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 2024-01-19
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. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX