davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/2024 I received two notifications from my identity monitoring service ( XXXX  ). The first was a hard inquiry on my XXXX credit report from JPMCB Card Services, and the second was a hard inquiry on my XXXX credit report from JPMCB Card Servies ( misspelling of Services was intentional ). Later in the day, I received a voicemail from someone who claimed to be calling from the Chase Bank Fraud Prevention Department. He asked me to call ( XXXX ) XXXX and include a 12 digit reference number that he provided. However, he referred to me by my middle name, which led me to believe that someone may be attempting to open an account by using my middle name. I havent been able to verify whether the phone number and reference number are legitimate as there is a wait time of over 30 minutes when I call Chase Bank.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (FL)

RE : TD Auto Finance I have financed my vehicle through TD Auto finance, we set up auto payment through our Bank to be paid monthly. For the past year ( Since XX/XX/XXXX ), we have been charged a late fee of {$80.00} monthly for a total of {$1000.00}. We were contacted via phone late XX/XX/XXXX by TD auto finance regarding this accumulated finance charge. Upon speaking with the Bank representative, we found out that the XX/XX/XXXX payment did not go through, not sure if it was a mistake on the part of TD Auto finance or with our Bank XXXX. Since then TD auto finance has been charging us monthly late fee of {$80.00}. Of note, TD auto finance has been getting paid monthly on time by auto debit from my Bank all along except for the XX/XX/XXXX payment. We NEVER received a letter/email or a phone call from TD Auto Finance up until XX/XX/XXXX regarding this ongoing late fee. We spoke to TD auto finance, they refused to waive the fees. As a customer, I feel it is WRONG for TD auto finance not to contact us regarding this issue for a year and ask us to pay up. I would appreciate your intervention regarding this issue. We will happy to provide account details as needed.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (TX)

Previously submitted this complaint XXXX. 

Despite XXXX  having rejected checkrs request for XXXX  information entered by manual submission and instructing checkr to resubmit electronically by written notice approximately XX/XX/XXXX, checkr has refused to take action and instructs me to have XXXX order a new report. They refuse to acknowledge the notice they received from XXXX. 

To prove my background check was delayed due to checkrs willful negligence, I submitted an entirely electronic request through checkrs better future platform which has already been returned clear in XXXX XXXX XXXX  and only took a day to clear. My reports requested XXXX and XX/XX/XXXX remain incomplete which has left me out of work.
Consumer complaint received 2024-06-12
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (IL)

Starting XXXX of XXXX, I stopped receiving my statements at the business condo address for which the mortgage loan was taken. I went into the bank numerous times, called, emailed and no one could find my account. The contact for my account kept telling me that he was waiting to hear from bank representatives. I used old statements to pay my mortgage so I wouldnt miss a payment. Finally, in XXXX of XXXX. I started receiving my statements at the XXXX XXXX address that its been sent to for 15 years. The only explanation was a computer glitch on a few accounts. I never received my interest paid statement. My contact printed the interest paid on a regular sheet of paper. Now starting XXXX of XXXX, the address on the loan has been changed to my home address. I tried calling the number on the statement and, the customer service number and no one could find my account even with the account number, my address my tax ID or social security number. I spent hours on these calls. I emailed XXXX customer service and the complaint email address for the CEOs and no response. My contact responded over a month ago that he was looking in to it. Im worried that something shady is happening with my identity or account balance. I am paid up on my account and my property taxes. I dont know why my statements are inaccurate and no one can find my account to help me. Thank you
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc. (OH)

I sold someone my old phone which had my bank information in it. They then deposited a fake check which Im guessing went into the account and then someone sent out hundreds of dollars from the account and from what I got told, someone called in and said it was fraudulent. I stopped using XXXX XXXX a while before this even happened. I didnt close out my account but I switched to a different bank that is way better. I contacted the bank and they told me there wasnt anything I could do because it showed everything in my name. I contacted XXXX which is one of the places they sent out money to and they said to contact XXXX XXXX about a dispute. I did not approve the charges and I didnt have anything to do with it.
Consumer complaint received 2023-06-12
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. (FL)

On Sunday XXXX i noticed my credit had dropped by XXXX points, the charge was from a company called XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX phone number ( XXXX ) XXXX the were reporting for a company called XXXX. I have never heard of XXXX XXXX XXXX or XXXX and I'm pretty sure XXXX doesn't even exist i cant find it any where online. XXXX XXXX XXXX is claiming they did not report this charge to Experian they reported another XXXX XXXX and Experian made the mishap of putting it on my credit. which is either highly unlikely and XXXX XXXX XXXX is commiting fraud or a terrible mistake on Experian credit reporting part. i believe that XXXX XXXX XXXX is the culprit after looking up there company and finding multiple people going through the exact situation as I am. I would like to file charges against them for fraud and identity theft.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I got 2 Auto loans that is suppose to be in my brother name. One is from XXXX XXXX  for a XXXX  and the other is financed from XXXX. This has been negatively affecting my credit and has stopped me in the pasted from getting a new car and home. Additionally, there is a credit card from XXXX  XXXX XXXX with a total balance of XXXX, that belongs to my brother. We are XXXX  and were born on the same day with the same first name ( different middle name ). However, we have different social security numbers to differentiate us. I had to make this report because there is too many inaccurate information for me to dispute from multiple credit companies. I can only do XXXX dispute every XXXX days or when the investigation is completed. Also, I should have no credit inquiries for the month of XX/XX/XXXX. That was not me. That was my brother. Please assist me on this matter.
Consumer complaint received 2024-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I purchased tickets from XXXX on XX/XX/XXXX for the XXXX XXXX day 2 in XXXX XXXX, XX/XX/XXXX. When we arrived at the event, we were not able to enter with the tickets provided as they were apparently duplicate tickets that someone else had already used. When I tried to contact XXXX via phone, they confirmed that I would receive a refund. However, that did not occur. I followed up multiple times via email the following week and a half, without any resolution. On XX/XX/XXXX, I filed a dispute with my credit card company, Capital One. On XX/XX/XXXX, Capital One requested additional information which I provided. On XX/XX/XXXX, Capital One closed my dispute without providing any evidence from the merchant, only advising that the merchant had communicated that the event was postponed and that was why the tickets did not work. However, this is completely false as the event was not postponed and it did, in fact, happen as scheduled. I followed up and provided the email records of me following up with XXXX, along with proof ( an XXXX link showing the results of the race weekend ) that the event was not rescheduled. Capital One again sent a generic letter stating my dispute was closed, without any proof or reasoning. I have attempted multiple times to work with both XXXX and Capital One, to no avail.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a check on XXXX it's XXXX and funds are NOT available. This is a XXXX XXXX XXXX  industry. I need my money right away! Everything in America is overpriced and wages barely allow you to live. You work to pay for banks and the rich portion of America to profit. Soon I will limit my use of all banks and eventually find a way to stop contributing to the American economy. I still feel like a sharecropper in America. Im sure most Americans agree. GET RID OF BANKS THAT TAKE XXXX  days to have access to your money. This is ridiculous
Consumer complaint received 2023-12-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/2023 Rohit Chopra, Director, Consumer Financial Protection Bureau Attn : Rohit Chopra, Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Consumer complaint received 2024-02-07
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: Bridgecrest Acceptance Corporation (FL)

In XX/XX/XXXX I purchased a vehicle from XXXX and essentially the engine blew up and almost cost me my life late XXXX. The car was perfectly maintained by me at the local XXXX dealership and had no reason to have any issues as it also had low miles. The vehicle was deemed a total loss and neither my insurance or the lender has done anything to remediate this issue despite my plea. Seeing that there is currently a class action lawsuit against them for this same engine problem along with the vehicle price being deemed as a loss by the lending company ( they get a tax break ) I think it is fair for them to stop reporting this account on my credit. I am finding it very difficult to get proper housing or even apply for credit cards successfully because of this debt. It has caused me excessive mental, emotional and financial stress as I could not afford to pay two car payments ( one of which for a car I do not have ) and on the verge of eviction. I have even been denied jobs and opportunities due to this being reported to the credit bureaus. It is at this point a defamation of my character and very much affecting my life and family. They also have not sent me any type of information or any type of response for investigation as I have requested. Please help me.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FULTON FINANCIAL CORPORATION (NJ)

I banked with Fulton bank for a few months and they mishandled my account, they denied any disputed transaction and froze my account without contacting me and letting me know whats happening. I receive checks from different clients and i shouldnt be punished if they are not sure if the check would go though. instead they froze my funds leaving me unable to access my money. They dont do proper investigations on disputed transactions and violate federal insured policies.
Consumer complaint received 2024-02-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC (IN)

Of course, no gurantee. Long story short, Was to get done with my case is XXXX years or deducting funds from my account but after XXXX  years I had to stop them. They " suggest '' that they will resolve your case with between 50 % to 60 % reduction to pay off and ALMOST guranteed at least 50 %. At the end of XXXX years I had paid more than I owed in the beginning. I kept questioning every time they would settle something for only lowering the amount due by 10 % to 12 % and I would ask am I still on track for XXXX years. They said yes, some settle for less than others. THEN, the real fraud came in after the XXXX years of paying I ended my association from them with still XXXX accounts still open. And of course these were the XXXX largest amounts. I told them I would just pay them off. I contacted both companies ( although NATIONAL DEBT RELIEF ) was still taking money out monthly, both these companies told me my accounts were paid and closed. No further action needed. The worst part is NDR told me both accounts were sticking with only settling for 90 %. When I called the one they said that's a complete lie. We have XXXX settlement amount and no matter what the circumstances, we always settle for 60 %. No more no less. Those were frauds, they actually stole from me, I had in reserve a XXXX XXXX XXXX  dollars for them to pay off and I asked them to send my my funds and they over {$600.00}. emails and phone calls did't help.
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This is a old debt Past Statue of Limitation! Purchased by a 3rd party for pennies on the dollar. Does NOT state Original debt DATE or the Original Debt Company. I don NOT owe this. Will NOT pay for a old debt that is way past Statue of Limitation. These tactics are NOT legal, as they are filling at a Court House that is PAST STATUE OF LIMITATION!!
Consumer complaint received 2024-02-07
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: AMERICAN EXPRESS COMPANY (CA)

I have ordered a watch with cartier. i was supposed to receive by XXXX on XX/XX/XXXX The company send me a item which i didn't receive i have asked American express credit card company to help me dispute this item with XXXX and they have lagged since XXXX. i got a copy from XXXX on XX/XX/XXXX after contacting them as well multiple times. they have send me something finally saying that the shipping company ( XXXX was supposed to check my DRIVER LICENSE and than have me sign before delivering the item. But they have not checked my id nor they did have me sign but shows delivered and shows delivered from XXXX and now XXXX does not want to credit me back my money since i have not received my item nor does XXXX nor does American express company which i though they were supposed to help me and protect me. American express company did not protect me as their client or tried to help me. I have a proof from XXXX saying an email saying they were supposed to check id and have me sign but all XXXX has is saying delivered to residence XXXX XXXX California. That does not prove anything. Please investigate this matter thoroughly and please help me come up with an outcome that would help me as well. Since i gave the case to American express for 2 months thinking they are filing a police report and they are opening a claim with XXXX they have not done anything to help me resolve this case. I recently on XX/XX/XXXX opened a XXXX case which this is the number XXXX XXXX XXXX for XXXX. And today as of XX/XX/XXXX i spoke to American express rep and they notified me i should file a police report as well. Which i have filled and this is the incident number as well. XXXX this is the police report as well. I don't know how to prove that i didn't receive any items from them and all the merchants are passing me on to the other. I called AMEX CREDIT CARD company they told me i should follow up with XXXX and XXXX company because they have closed my case without assisting me thoroughly or doing their due diligence, I am very disappointed that American express is not helping me fight this case,.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (FL)

After making regular payments on my debt amount owed, they completely emptied my checking and savings accounts from my bank. I had online access to my debt account through this firm on their website and now I am locked out and can not access it. On XX/XX/year>, they garnished every XXXX I had in my bank accounts without notice to me.