davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (TX)

XXXX XXXX XXXX reporting inaccurate XX/XX/2023 late payment. Per CEO of the creditor XXXX XXXX my account will be update accurately as paid as agreed/no late payment. The payment was received instore on time.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I seen online where you could contact the credit card company and request financial help when it comes to making payments or request a settlement or them to drop the interest rate for a year to help their customers pay back the balance owed. They refuse to help me and I am a single mom that is struggling. They have already lost me as a customer because when I first got the card and it was strictly through Walmart I NEVER had this problem. I am paying over the minimum amount and getting charge half back in interest which will make the balance impossible to pay back. I have been paying on my balance since LAST XXXX and my balance has not changed hardly at all and I have not used my card at all because I've been trying to pay it off.
Consumer complaint received 2023-12-12
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: Experian Information Solutions Inc. (FL)

These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks 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 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 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX while trying to pay a credit card bull at a Bank of America on XXXX XXXX in XXXX TX, the machine ate my money but refused to credit the account, They issued a temporary credit of {$300.00} but then rendered a decision a month later to reverse it, They sent a letter, stating that it was transferred to another department because it wasn't an ATM issue, which is completely false.
Consumer complaint received 2018-11-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

Dear The Consumer Financial Protection I have an issue that I have not received from Santander Bank for the overpayment which is XXXX $ on taxes from XXXX to XXXX. I need your guidance since every year Santander Bank has collected from me on the taxes more then they should have. I have a copy from the Town Hall in XXXX about how much the Bank has paid for me. From Santander bank there is a big difference in how much they collect the money then how much they pay to the Town Hall. I also have another copy of how much the Santander Bank has collected every year from me. Also I have another problem that I have not received back for my deposit on my house. When we had a closing in XX/XX/XXXX on my property XXXX XXXX XXXX XXXX XXXX XXXX, We had paid the deposit of XXXX. I have a copy from that closing. We were sure we would have received back an overpayment on taxes and the deposit on my house. When we paid full mortgage, but we were wrong. In XX/XX/XXXX we have paid the full mortgage and Santander Bank has never return our money back. From XXXX to this day I have sent many letter to Santander Bank asking for them to return my money back. The bank always sends me a new excuse to not respond to my letter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (OH)

I have an unverified account from KEYBRIDGE. I had previously disputed this account. I have never done business with KEYBRIDGE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KEYBRIDGE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KEYBRIDGE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN PAID IN FULL.
Consumer complaint received 2023-07-10
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: Resurgent Capital Services L.P. (GA)

account number XXXX compant name is lvnv funding llc i contact the company i wanted to see the original documents with my signature cause the address do not match where i been living for the last 5 years
Consumer complaint received 2023-12-14
Product: Credit 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. (TX)

To whom it may concern, This is XXXX XXXX XXXX. I had a transaction made on XX/XX/2023 at XXXX XXXX furniture in XXXXXXXX XXXX. Due to dishonest and scamming of XXXX XXXX furniture, I have filed the dispute with Chase which is the credit card company I use. The dispute was filed in XXXX but it got re-billed under my credit card again. I wrote a letter to appeal for myself but it got denied which is not acceptable and unfair. 

On XX/XX/2023, I walked into the store to look for a set of sofa. After a long search in the store, I found XXXX that would fit my house. I asked the store manager about the warranty, and he told me they dont provide warranties because they are confident about their products. He also mentioned they are very responsible and will take care of my needs. 
Upon payment, they had me sign a piece of paper which I thought it was a receipt for confining delivery address and purchase amount. Later-on on the delivery date, I realized how bad their quality is and I requested XXXX replacements but I kept receiving either broken sofa or stains on the sofa ( I have all the pictures as evidence ) then I requested a refund. XXXX XXXX XXXX  told me they do not refund and it is written on the paper which they had me sign but never went through details with me trying to cheat me. If I knew this in the beginning, I would not purchase anything at XXXX XXXX XXXX. They were trying to hide those unfair policy. 
I have given XXXX XXXX XXXX  chances to make things right, but they refused to communicate. The manager and salesperson have been very rude and uncouth to me. My wife and I are very disappointed on their service and quality of product. 
Also, during the delivery, they scratched my wood floor and they refused to be responsible for it. Their policy is to try to cheat and take advantage of customers. It is unacceptable. 

The store is a fraud and scam to take advantage of customers and I was XXXX of their victims. That's why I decided to do a dispute through the credit card company which is Chase. Chase rejected my dispute for no reason and refused my appeal. It is not fair to me as a customer using credit card to pay because I trusted Chase would protect their customers. Chase is helping stores cheating customers. 
I am filing this to fight for my rights. No one should be treated like this.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (MD)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are detrimental to my credit score. 

XXXX XXXX  Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please provide an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (GA)

Your Company BRCLYSBANKDE is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

BRCLYSBANKDE XXXX
Consumer complaint received 2018-11-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BlueChip Financial (MD)

I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and their subsidiaries furnished my information unlawfully since XX/XX/2016 until present according to my consumer file. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; XXXX CFR Part XXXX ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

They furnished the payment status, delinquency, and balances which is an unlawful violation according to FCRA, section XXXX any person/business who willfully fails to comply with respect to any consumer is liable to that consumer for damages. 

I am notifying you to delete this information from my consumer file in good faith. This is your notice to cure this violation, or I will be forced to comply with Section XXXX of FCRA.
Consumer complaint received 2023-03-27
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: EQUIFAX, 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 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 2024-03-25
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. (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. 
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-12-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (VA)

I was notified by my lawyer, XXXX XXXX XXXX XXXX, on XX/XX/XXXX that XXXX XXXX XXXX threatened to take legal action against me if I did not pay the full balance of my account within 24 hours. I found out about 2 weeks later they went to court XX/XX/XXXX for wage garnishment. I called XXXX XXXX XXXX 3 times XX/XX/XXXX at XXXX XXXX, XXXX XXXX, & XXXX XXXX. The third time I finally got someone on the phone and they refused to speak with me because they said I had representation. They were notified XX/XX/XXXX by XXXX XXXX XXXX XXXX that I was not being represented by their firm. XXXXXXXX XXXX  XXXX still refused to speak to me until XX/XX/XXXX when I filed for a hearing in court to reduce the garnishment. XXXX XXXX, a lawyer for XXXX XXXX XXXX, told me at the courthouse I needed to call her office and workout a payment plan because they had wiggle room, and could settle my debt for less than I owed, and if I entered into a payment t arrangement they would stop the garnishment. I called that afternoon and couldn't get through. I tried again on XX/XX/XXXX and they told me they couldn't speak to me because I had representation. XXXX XXXX XXXX called me XX/XX/XXXX and said they found the letter from XXXX XXXX XXXX XXXX, and they could not settle the debt for less, so I needed to pay the full balance. They were made aware I had {$820.00} garnished from my pay already, and said I still needed to pay the full balance because they don't have the money, the court has it, and they couldnt get it until the next court date scheduled for XX/XX/XXXX. They told me the balance on my account was {$5100.00}, but the summons I got from XXXX XXXX XXXX said the balance was {$5100.00}. I called them XX/XX/XXXX to verify what the correct amount was, but had to leave a voicemail. My called was returned at XXXXXXXX XXXX on XX/XX/XXXX and the agent I spoke with said she needed to verify with someone else before she could answer that question. As of XX/XX/XXXX, I have not gotten a call back. 

The account in question was from XXXX of XXXX, exceeding the statute of limitations on legal action taken per VA law.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (CA)

It is disconcerting that a reputed credit bureau would permit the dissemination of misleading information without thorough verification. The information listed on my credit report reflects a late payment on the aforementioned account. I emphatically contest the accuracy of this reporting, as I have consistently maintained a punctual payment history with the creditor in question. There has never been a situation where a payment has been overdue, and it is perplexing to find such misleading information tarnishing my credit profile. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
DISCOVERBANK XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that errors can occur, but the inclusion of inaccurate information on my credit report has serious repercussions for my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you promptly investigate this matter and take the necessary steps to correct the inaccuracies on my credit report.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX  XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I had a scheduled ACH come out of my account for {$470.00} and it made my account go negative XXXX so they sent the payment back. I saw the payment failed and I made a debit card payment to the company so my electric wouldnt get shut off. Then I saw a couple days later that the electric company went ad retried the old payment even though I made the payment before then. I contacted the bank and filed a dispute against the ACH to get it credited back and removed from my electric account. I told them repeatedly the transaction was an accident from the company and that my account is not compromised or anything. They put it under review and I have called COUNTLESS times and talked to so many people, they assured me the money was credited and would be reflected in the account ( still is not weeks later ) and also that they are closing my account. I tried to take out the money I had in it and they wont let me do that either. My electric company already has the payment off my account so it makes no sense what citizens did with my money. And when I went in person to ask again, the clerk was told theyre not allowed to give me any details other than its closing and Ill receive a check. But nothing has happened and the money still isnt there. They refuse to give me actual answers.
Consumer complaint received 2024-04-05
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. (TX)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX