davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

On  XXXX / XXXX /  XXXX  , I reported to  JP Morgan Chase  that a check I did not authorize was deposited into my account ( in the amount of {$4800.00} ). They immediately reversed the check and investigated it the same day (  XXXX / XXXX /  XXXX   ) ; on  XXXX / XXXX /  XXXX   when I went to open my new account at the local branch, I was informed by an associate  XXXX   XXXX   XXXX  that their investigators said the check was indeed fraud as the fonts were differing sizes, etc. Within the same time frame that the fraudulent check was deposited, a transfer was initiated to move the funds from the fraudulent check to a different accoun t ( Chase  told me they could see the transfer came from my grandmother 's online profile, who opened the account for me when I was a minor 10 years ago ). The transfer was initially denied by Chase because the funds from the fraudulent check were not available yet. On  XXXX / XXXX /  XXXX  , Chase allowed the transfer of {$4600.00} to go through - after I made the fraudulent activity claim and the check was already reversed (  XXXX / XXXX /  XXXX   ).  Chase  simply told me my account was compromised and I needed to open a new one ; so I did and went on my way. On  XXXX / XXXX /  XXXX  , Chase withdrew {$4600.00} from the new account I was instructed to open, and transferred it to my old account. This is because when they advised me to close my compromised account, it was left with a negative balance because Chase allowed money that did not exist to be transferred out of it. So they took the {$4600.00} from my new account to make up for it. I had my case escalated to th e Executive Office,  where  XXXX  was going to investigate where the remote online deposit came from ( because it was identity theft ) and why  Chase  allowed those funds to be transferred after they had reversed the fraudulent check. When  XXXX  came back with their decision on the matter, it turns out they did not investigate anything and are saying that even though I reported the fraud and had my identity stolen, I am responsible for any deposits and transfers made on the account. It is astounding that I had my identity stolen, did everything Chase instructed me to do, and they are holding me responsible for it.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC (NV)

On XX/XX/2021, I received information about the company. On XX/XX/2021, I activated an account on the company 's website. On XX/XX/2021, the account had been cancelled. On XX/XX/2021, I received and email that the solar panels were going to be installed without signing any kind of contract. On XX/XX/2021, they discounted {$160.00} from the bank account. On XX/XX/2021, we received a congratulatory email for being a part of the company even though the account was never activated, and I never signed a contract or saw XXXX. Since I cancelled the payment because I never signed anything and we never talked about the payment method. They sent me to collection with a bill of {$39000.00}.
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00} ; XXXX  XXXX XXXX : {$20000.00}
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (ND)

XXXXXXXX XXXX responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.
Consumer complaint received 2021-05-27
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. (CA)

There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX - Acct # XXXX Amt {$360.00}
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I was planning to apply for a Discover card. So I went to the website, completed the application but never submitted. Like I said I never submitted the application and I closed the browser.     A day later, someone called me and asked me about the application. I told her I was going to apply but I changed my mind. She was asking me if I want to apply, I declined to continue, now my credit report is reporting a hard inquiry with  XXXX .
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2016 I called in to the call center to see why my minimum payment had increased. One of the agents told me I was late paying more than two times in a calendar year and the interest rate had increased. I asked him to lower it back down, and I will continue my monthly payments. He said he can not change it because it is in the agreement that I signed. So I ask to get a copy of the contract that I signed. The agent said " you have to request the copy of the contract in writing '' and gave me the following address : CapitalOne - Department General Correspondence, XXXX. I sent a written request and I did not get copy of the contract. 
I have a charge-off on my credit report and I never got what I asked for, a copy of the contract before it went into default. 
This is a violation of 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Code Part A - General Provisions 15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 U.S. Code Part B - Credit Transactions 15 U.S. Code 1637 - Open end consumer credit plans ( i ) ( 4 ) AND 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681n - Civil liability for willful noncompliance For your knowing of such violations to credit disclosure and fair credit rating pursuant to 15 U.S. Code 1611 - Criminal liability for willful and 15 U.S. Code 1681n - Civil liability for willful noncompliance, I demand damages of {$5000.00} pursuant to Section 1611 and Section 1681 ( a ) ( 1 ) {$140000.00}
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX XXXX  responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX  is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Approximately XX/XX/XXXX of XXXX my EDD/SDI debit card issued by bank of America was closed or frozen because of " indentity verification issue '' is what the customer service agent told me at Bof A that California department of employment development department put a hold on my account and told me to contact EDD, which was false. The EDD said there was no hold and to call BofA, so it was like I was a pingpong ball going back XXXX forth. Then Bank of America out the hold on my account and funds were not available they finally just closed my account. They have yet to allow access to my funds on that card ending in # XXXX exp XX/XX/XXXX.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX, I used my XXXX  XXXX XXXX checking accounts on line bill paying feature to pay my credit card bill. I have used this method of payment for many years with no problems. The amount was {$1000.00}. That amount was removed from my account on that date. Unfortunately, the money was never credited to my credit card account. 

I understand why there may be a problem. The credit card account was being transitioned between banks at that time. The payment was made to the old account, XXXX, however Comenity was managing the new account. It is my hope that you will take the time and effort to work together with XXXX  XXXX XXXX and XXXX to find and apply the XX/XX/XXXX payment to my current credit card balance. 

This payment was processed, posted and cleared. I no longer have that money. I did contact XXXX  XXXX XXXX and they were able to provide me with a Reference Number. XXXX XXXX XXXX has told me that they are not able to provide anymore information to me. XXXX  XXXX XXXX claims that XXXX and Comenity should be able to locate the payment with that information. However, should XXXX or Comenity need additional information, they would need to contact XXXX  XXXX XXXX directly. 

Because Comenity did not receive the funds, my credit card access was put on hold. I was able to make the minimum payment by phone and credit access was restored on XX/XX/XXXX. 

On or about XX/XX/XXXX, I contacted Comenity to enter a dispute of the lost payment. Comenity wrote me a letter stating they would look into it. 

Then I received the letter dated XX/XX/XXXX stating that there is no record of my payment to the XXXX XXXX Visa Card. The letter stated I needed to contact my bank. Well, I did not make the payment to the XXXX XXXX  Visa Card, I made it to the old XXXX XXXX XXXX. The letter stated I need to write you a letter to provide the additional information. 

I have tried to keep up with the payments as best as I can. However, the fact that this money was not applied as expected has caused the account to accrue Late Fees, Foreign Transaction Fees and Interest Charged. Not to mention the many hours I have spent performing this research. Once the matter is resolved, I will expect ALL fees to be reimbursed, totaling {$75.00}. 

On XX/XX/XXXX, I sent a letter with all supporting documentation to Comenity as instructed. On XX/XX/XXXX, I created an on-line account with Comenity and uploaded the same documents. I have called Comenity every two weeks requesting an update and each time the response is " its under investigation '' and " we have 90 days to complete the investigation. '' I have exhausted all of my resources and I am not able to assist any further. You have all of the information you need to resolve the problem. I look forward to your expedited resolution. 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I had a XXXX Credit Card that was issued by XXXX XXXX XXXX but serviced by XXXX XXXX XXXX XXXX. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at XXXX to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But XXXX reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from XXXX. They stated they would pull the account back and remove the charge off in 30-60 days this was XX/XX/2022. On XX/XX/2022 XXXX has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and XXXX stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked XXXX to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.
Consumer complaint received 2017-05-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (TX)

I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received emails that my card was approved, congratulating me, and that it will be mailed to me in up to 14 days. It also stated if I didnt recognize this activity to call them, which I did bc I had not applied. They had stated that someone had opened a credit card on board of a spirit airline with my information.
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I purchased a XXXX XXXX  from a Used XXXX dealership. Had the car for 4 plus years it had several recalls doing me and XXXX time with vehicle. When I was fed up with repairs We tried to trade it in. We couldn't because the car XXXX stated that from title that the car was totaled, the frame. I called Capital One and explained, that I was returning the vehicle back. After returning the vehicle Capital One then Sold at XXXX. Then said I own still XXXX on the Vehicle. Which was way over XXXX XXXX  when purched plus XXXX intrust for over 4 years. Hired XXXX XXXX to dispute it and payed them a whole year and nothing happened. And it's still there hurting my score. Call XXXX XXXX they wanted more money. Called Capital One they said make a deal for less or take us to XXXX. Please help XXXX
Consumer complaint received 2017-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (OH)

I had not  XXXX , but  XXXX  accounts with  XXXX .  XXXX  a personal and  XXXX  a business account. Both accounts went into default  (  {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.
Consumer complaint received 2024-03-26
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-15
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX  Finacial XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...
Consumer complaint received 2022-11-15
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions