davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (WA)

I am following up on a previous complaint ( XXXX ) about fraudulent charges on my credit card. While it appears Barclays has resolved two of the charges that reappeared on my card, a 3rd charge, XXXX for {$140.00}, has also reappeared. I thank Barclays for the quick response. I have never received any documentation as to why these charges, and not the others, have reappeared after this length of time. On the phone last week, Barclays explained that there was an address match. As the cards appeared to have been lost or stolen from the mail ( and I documented this in complaint XXXX ), it is not to my surprise the persons involved have my physical address.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am requesting that the former addresses listed be deleted from my consumer report because it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
ALso please mail me my complete consumer FILE
Consumer complaint received 2015-09-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (OR)

We have a signed purchase agreement with nationstar bank on a bank owned property which they now refuse to honor. They lost the DIL for over a year and now have a replacement deed. they will not even talk to us at this point and are trying to resale the property right now. We are ready to close on the property.
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (FL)

I, the consumer and natural person, was denied credit by American Express when I applied for a whatever your applied for Blue Cash Preferred from American Express Cardmember Agreement. 

Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

American Express is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I received in adverse action letter.

American Express is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. 

Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, American Express.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, 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 sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$600.00} that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (MO)

We got behind on the mortgage Man called, save us from loss mitigation he gave me an alternative way to pay my payments. Turns out he was scamming me. I paid a barcode at XXXX twice for the amount of {$600.00}. Please help XXXX XXXX XXXX.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX  XXXX
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-11-01
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

Toyota reported I made my XX/XX/2022 lease payment late, when I did not. 

The problem began when I paid my lease payment of {$300.00} on XXXX XXXX and partial payment was applied to my property tax due in the amount of {$91.00} and the rest was processed towards my payment in the amount of {$200.00}. 

Toyotas system applied my payment incorrectly and I have had this issue many times in the past with them. Because this payment was not processed correctly it effected all my upcoming payments made. Toyota needs to fix the way their system processes payments. I have had to call Toyota almost every month to fix this. This XXXX payment I did not follow up on and since I didn't call Toyota never fixed it. I shouldn't have to call each month to have my payment made correctly. 

I called Toyota to discuss their system issue and was told to process a dispute via my credit agency and they were unable to fix this on their end because it was a mobile payment that was made? 

I was also told in the past by Toyota that your payment should be processed before amounts are applied to your property tax, but this is not what is happening at all. 

Toyota refuses to fix this problem on my report when I was not in error but they were. I should not be penalized by this on my credit report when this is an issue within their system. 

If Toyota would take the time to look at my payment history they can see I make a {$300.00} every month on time. 

I processed a couple disputes with my credit agencies and all of them Toyota is saying there is not issue, when there is.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

Good afternoon, Was a XXXX customer. 

Citi staff stated I would receive rebates ( basically reimbursements ) for membership fees to XXXX XXXX XXXX plus other benefits. 

When we tried to submit for the reimbursements ; the system would not allow submission. 
Our XXXX advisor was on vacation. 
When she got back- basically stated she didnt have the ability to give us the credit.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

TD Auto Finance was the company financing my XXXXXXXX XXXX I lost my job and this situation made me request an extension on my monthly vehicle payment, I was asked to pay a finance fee the extension that I got approved was for 3 months, I paid the interest and I was in a good place, this extension was never applied to my account and continuously called me, my account was showing past due for 3 months, I didn't have another option than borrow the money and paid off the vehicle, TD Finance promised to correct the mistake but as of today they never did, because of their incompetent my credit drop several points.
Consumer complaint received 2022-11-01
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. (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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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 2022-11-01
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 2023-08-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-10-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (MN)

I spoke with a man on XX/XX/2018 and asked him about this account, I told him I had no idea the account was in collections. He told me, they had the incorrect address and telephone number listed for me. I told him the telephone number has been the same for the last two years and I did not receive one phone call from the school or collection agency at all. I was told the account had been in their office since XX/XX/2018, and the only reason I knew about the account is because I went online to continue my classes and was directed to call the collection agency. I was shocked I had no notice prior to account being in collections nor after. I asked the representative if this account had been reported ( he told me No ) and did not tell me it will be reported in the future. I explained I needed to call back to speak wit my parents to try and borrow some money so this payment would not be a strain on me later. I called today once I make the payment on the account and told the representative ( lady ) that I was upset because the gentlemen did not disclose this account was due to be reported. I asked for the manger to pull the call and call back because I know calls should be recorded as well. I made the payment and told the representative a complaint will be filed because this is unfair practices. This should not be on my credit report, I did not have a chance to dispute it or make an arrangement prior to reporting this as well. I know collection agency did not make a fair attempt to contact me.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/22 I made a {$200.00} cash deposit at the Citizens Bank ATM machine located at the bank in XXXX, CT. The machine didn't give me a receipt. So I went into the bank and explained to the teller what happened. She told me that they were having trouble all day with receipts at the ATM all day. When she went to print me one the funds weren't showing on her computer. She then explained that the ATM is serviced by a third party and I'd have to wait till the following Thursday till they serviced it. For me not to worry because it video records everything, my face, the money going in, everything. So they will audit it and I will get my money. She said that now that she documented it, my account wouldn't overdrawn and they would take care of it. 
It is now XX/XX/22 and I have made 5 calls to the branch manager. She keeps telling me she escalated the complaint and it's out of her hands. No one has contacted me to this date and my account is being charge everyday for being overdrawn with penalties. 
I would like to note that there was nothing every written on the ATM or on the screen saying that the bank doesn't sevice that machine. It has Citizens Bank plastered all over it and its at the drive through of the bank.
Consumer complaint received 2022-11-01
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. (LA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XXXX, XXXX, Balance : {$20000.00} ), XXXX XXXXXXXX XXXX ( Account Number : XXXX, Open Date XX/XX/XXXX, Balance : {$2500.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$520.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$440.00} ), XXXX ( Account Number : XXXX, Date Opened XXXX, XXXX, High Balance {$110.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX and approximately XXXX I went to the Chase Bank drive thru ATM at the XXXX XXXX XXXX on XXXX XXXX. I went to deposit cash worth {$1100.00}. While waiting for the ATM to deposit my money, it suddenly gave me a receipt to call the bank to check if my deposit went through and the ATM showed the screen of not being able to take any deposits or cash out at this time. Given the time, I did not call until opening ( website states XXXX, I could not reach anyone until XXXX ). I called their customer service number at XXXX and spoke to the representative that took in my claim along with all the information on the receipt the ATM gave me and assured me the money would be credited within 2 hours-2 business day. I told her I am flying internationally and she assured me everything will be taken care of. Trusting them, I waited the two days and did not receive the funds. I called again XX/XX/XXXX, and spoke to a representative who told me that I would have to wait an additional two days but was again verbally guaranteed my funds would be credited. I trusted their word as the bank representative and waited. Today XX/XX/XXXX and I called at XXXX and was guaranteed my funds within the day and was told to call before closing if I did not receive the funds. I called once more later in the evening XXXX as time was going by and I did not receive the funds. When getting on the phone with a claim specialist was told that my funds are not proven through my claim and I would have to wait for an investigation until the XXXX. This unacceptable as Ive been lied to on the phone by the past number of representatives, there was no communication towards the investigation just when checking they would have my funds in by 48 hours. No one told me the proper procedures to this until this current call on XX/XX/XXXX, all I was receiving when calling was false hope. Notes before in this report, Im currently out of the country without the funds that were suppose to be guaranteed to be for a week. I am barely surviving now due to Chases negligence. I spoke with a supervisor that kept repeating the investigation needed 10 days. She reported it would be finished by the XXXX but reported Chase is not closed for XXXX and given that my investigation should be done by the XXXX, again more lies and false hope. I am off on a remote island and the options they attempted to give me were not acceptable nor realistic. Chase attempted to report i needed to fax documentation for proof, despite having my information of the receipt from the first call on the XXXX. But when speaking with the supervisor she reported there wasnt going to be use to faxing it. More contradicting of all representatives. Chase made no accommodation towards my situation when Ive given them all the information and have been overly patient believing their false reports and resolutions. Please see attached for the receipt of the ATM and a screenshot of the time stamp of the ATM error screen.
Consumer complaint received 2018-08-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

In several occasions including XX/XX/18, a representative named XXXX, has contacted me via telephone while at work. She has been very rude with insults, profanities, and threats. While attempting to resolve the default situation with XXXX, I have asked XXXX for her superiors contact information to resolve the issue with someone else without insults and threats. She has refused to give me the information. Upon refusal to speak with XXXX, she began calling my mother and father along with her third part affiliates. She disclosed information about my debt in violation of fair debt collection acts. She has contacted them on numerous occasions despite being told in writing to cease and desist.
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

These accounts are not supposed to be reporting on my credit report. In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 

15 USC 1681 section A states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX