davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX XXXX XXXX  XXXX ( There was credit inquiry from this company that I do not recognize, I do not have any affiliation with XXXX  XXXX, I never authorized anything regarding this company ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've tried to dispute through XXXX XXXX and I was not given updates to my complaint. XXXX XXXX, DE XXXX ( XXXX ) XXXXXX/XX/XXXX - XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I tried to reach out to the institution to see what this inquiry was regarding, I did hear anything back. XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( There was credit inquiry from this company that I do not recognize, I do not nor have I ever had any affiliation regarding this company, I did not authorize any information of mine to be released ) I've only had affiliation with XXXX/XXXXt cellular services. XXXX XXXX, WA XXXX ( XXXX ) XXXX I am scared someone may have access so my social security number.
Consumer complaint received 2022-12-28
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. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Sapphire Preferred Credit Card advertises " {$50.00} Annual Chase XXXX XXXX Credit booked via Chase Travel ''. I booked on XX/XX/XXXX, but my {$50.00} credit was never posted. 

I contacted Chase Cardmember Service. They started an investigation and sent me a letter ( attached ) stating my credit would be posted to my card in one or two billing cycles. The letter was sent on XX/XX/XXXX. 

As of today, XXXX XXXX, XXXX, more than 3 billing cycles have passed and I still have not received the credit. I tried to call Chase Cardmember Service again, they said they would investigate but have not gotten back to me since then. 


If needed, I can attach all my statements since XX/XX/XXXX, which clearly state the {$50.00} credit was never posted.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-28
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (IL)

I have a mortgage account with Nationstar/Mr. Cooper. Nearly 7 years ago, I filed for bankruptcy and apparently my lawyer apparently did not send my reaffirmation papers. At the time, my mortgage was with XXXX XXXX. That bank was bought by XXXX XXXX XXXX, which was then bought by XXXX. XXXX then sold my loan to Nationstar/Mr. Cooper. 

Both XXXX and XXXX XXXX were reporting my payments to the credit bureau. XXXX was not, nor was Mr. Cooper. I called and requested they report my payment activity to the bureaus and they refused without my submitting my request in writing. They wouldn't accept my verbal request. I am simply asking that Nationstar/Mr. Cooper report my payments to the bureaus. There is no rule stating that they can not report my payments. They are choosing to not report them, which is having a negative effect on my credit.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

I had a lease of 36 months with XXXX XXXX that ended on XX/XX/XXXX. I was never late an a payment. In fact, I was on auto pay for the entire lease. I returned vehicle timely and I was told to wait for a notification in the mail for additional charges if any. I received a letter in XX/XX/XXXX stating the vehicle was inspected and a bill would be coming through. On XX/XX/XXXX I receive a notification from Experian credit that my credit had been impacted for a missed payment. Immediately I contact XXXX XXXX but I was unsuccessful. I tried multiple times but the lines were busy due to the Covid-19. I  remembered I had online access and logged back in. My account showed an amount due {$690.00} but I didnt know what it was for since I never received a bill. I noticed the website had my old landline number so I changed it to mobile number. The next day I get a call from XXXX trying to the debt. I explained why haven't I received a bill. The rep said, she would mail. I asked her why did they report me as late when I never knew I owed. I asked to speak to a supervisor and she said they tried contacting at a number on file. I said, if you were not successful why didnt you send me correspondence via regular mail. She stood her ground and yelled at me I was late and the negative reporting would remain. I told her money is not an issue, I can pay this but I need to know what I'm paying. Three weeks later still have not received bill. However, XX/XX/XXXX I tried paying but I was on hold for over 1 1/2 hours I hung up and called again. On XX/XX/XXXX I was able to make the payment over the phone but I paid blindly only to settle the debt and stop negative reporting. I have disputed the negative reporting of 30 days missed payment with the Experian and it comes back the same. I really need assistance in clearing up this matter. It is unfair large companies take advantage of individuals. I feel helpless trying to keep my credit corrected for negligence on XXXX financial for not sending me a bill.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and EXPERIAN LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX
Consumer complaint received 2021-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

My husband bought a XXXX XXXX XXXX from XXXX with financing through Bridgecrest in XX/XX/XXXX. I was not a party to the loan. My husband was a couple payments behind when he passed away on XX/XX/XXXX of this year. On that same day a representative of Bridgecrest contacted me about the past due payments. I explained that my husband had died just hours earlier. She said if I didn't make a payment they would repossess the car immediately. I was overwhelmed and grief stricken and she said even though I wasn't on the loan paying them would give me time. I authorized a payment of {$290.00}. On XX/XX/XXXX I sent them a screenshot of my husband 's death certificate. The company then contacted me back and said they could no longer discuss the loan with me since my name wasn't on it. They told me if I wanted I could assume the loan but I had to get insurance and transfer the tags to me and provide personal documentation including income verification. They sent me paperwork that they said needed to be completed in 2 weeks. I contacted them on XXXX  XXXX  and told them I was unable to get the income verification done since Social Security and OPM ( my husband was retired government employee ) were backlogged due to COVID. They said I needed to give them more money for an extension so I authorized another payment of {$290.00}. They gave me another 10 days. On XX/XX/XXXX I called back to tell them I still didn't have the information. They said I had to make another payment so I authorized another {$290.00}. On XX/XX/XXXX Bridgecrest contacted me and said they wanted me to get more information that required me getting in touch with my husband 's daughters and getting them to sign off on the car. One of my stepdaughters was estranged from her father at his time of death and refused to speak to me. I purchased a car 2 days later. Bridgecrest repossessed the car a week later.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXT / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX  / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-12-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/2021 I agreed to rent an apartment that was advertised on XXXX. The cost was a {$1200.00} deposit and {$1500.00} for XXXX rent. I paid the amounts using XXXX to an account under " XXXX ) on XX/XX/XXXX and XXXX respectively. It became clear that this was a fraudulent offering. I called Chase on or around XX/XX/2021 to claw back the funds. They refused to try to stop payment and said I would have to wait for the funds to clear on the other side and try to get my funds back by contacting the other bank. I called the other bank and they refused to do anything. I told the recipient bank they should at least look at the customer and account and freeze it to spare other victims. They responded that their customers ' activities are not my business. I called Chase again one or two more times and they continued to refuse to help. 

I was quite surprised by both banks ' responses - and disappointed in Chase- because I am in banking and this is not our response when a customer immediately calls about fraud that is in process where customer harm can be potentially mitigated. 

Thank you for your assistance. 
XXXX XXXX
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I have filed a previous complaint against XXXX and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA (FL)

I have been current with my car lease payments ( XXXX ) up to this month XX/XX/2020. This month due to the coronavirus pandemic I have suffered a loss of income. This will make it impossible to continue to be up to date on my payments. I contacted Hyundai Motor Finance on XX/XX/2020 before my XXXX payment was due ( XX/XX/2020 ). I asked the representative for a forbearance plan in accordance of what they advertised they were doing for their customers. In giving my information, I was asked if I suffered a partial or total loss of income to which I stated a partial loss. I was immediately told I didn't qualify that they were only approving total losses. I feel they are using discriminatory tactics to avoid helping customers. I don't believe that any where in Federal government guidelines ( about forbearance during the coronavirus crisis ) does it state that customer 's loss of income should be based on total or partial loss. Additionally I believe that Hyundai does not mention it in their advertisement. I have also filed a complaint with Hyundai vial email today. Since they have not allowed me to set up any type of forbearance plan and today ( XX/XX/2020 ) is past my payment due date my credit report will show I am delinquent on my loan payment. Hyundai has placed a financial burden on me and negatively affected my credit rating..
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

On Wednesday XXXX XXXX a payment was made via PayPal from XXXX XXXX from his stored PayPal balance to my account under XXXX. The payment was made in error, was not requested. He tried to cancel the payment and was told via email that I had to reject the payment. I have NOT accepted the funds and according to PayPal online support my only option is to refund the money less an XXXX $ fee they automatically charged. I have tried with three different agents to cancel the transaction as a whole and restore the balance to the senders account. They are trying to force me to accept the funds because it was completed despite showing as pending. The transaction ID is : XXXX. According to the sender its still showing pending on his end. If I wait 30 days the transaction will automatically cancel and return funds to sender less the fee. PayPal will not waived the fee despite it being an errant transaction. I will NOT accept the funds as I believe this will void my ability to fight their policy. I have NOT accepted any terms and conditions to automatically receive funds and they have not provided me proof of it either.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I applied for a card in a best buy store. Approximately 10 days later I called to get a new card and was told I would need to verify my account to change my address and get a new card. I was told I would get a call or a letter to verify my address. I received the letter but no call. I called in to verify the code in the letter and was told I would receive a card in the mail within 10 days. Approximately ANOTHER 10 days later I called to let them know I had not received the replacement card. They locked my account and told me I would get another call and/or letter. I have not received either yet and need to make a payment on my account. On the other hand, I would also just like my card because I do not know where these cards are going and/or who has them. I have also been told they are unable to verify my account via text message because they can not send a text message but I get text messages from them telling me that my card has been shipped or returned to them.
Consumer complaint received 2021-10-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, XXXX XXXX  an email was received : " This complaint appears to be about the same issues as a complaint weve already processed for you. The complaint number for the complaint weve already processed for you is XXXX. This repeat complaint is now closed. There will be no further action on this complaint. '' Background is : On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Experian that they will not be willing participants in the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX Experian responded to complaint XXXX please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. To escape responsibility Experian closed complaint XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : AS the Experian XXXX 30 day results summary, promised before XX/XX/XXXX, has not been received please provide in response to this complaint. On XX/XX/XXXX Experian responded to complaint XXXX : They ( XXXX XXXX  ) responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account. The result summary was sent to you for review on XX/XX/XXXX. Experian knowing the true facts contradicted its response again manipulated subversion of the true facts as reported by XXXX XXXX  XX/XX/XXXX and closed XXXX. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Experian 's XX/XX/XXXX response to CFPB XXXX disingenuously asserted : " ... The result summary was sent to you for review on XX/XX/XXXX ... '' This represents the 3rd request for the XX/XX/XXXX alleged " sent '' result summary which presents as never having been sent by Experian as they persist in avoiding my receipt and read of the XX/XX/XXXX summary result report. On XX/XX/XXXX CFPB knowingly cooperated with XXXX fraud ( contradicting true facts as reported by XXXX XXXX XX/XX/XXXX ) ; further suppressing XXXX refusal to provide its XX/XX/XXXX result summary and closed XXXX. You asked : What would be a fair resolution to this issue? My response was : If this is not intentional malfeasance, please respond with the alleged XX/XX/XXXX result summary that has NEVER been mail, or otherwise received by me.
Consumer complaint received 2021-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (AK)

The company did not provide any details that I requested. 

once again I request # 1 Itemized list of exactly what the damages were.

# 2 Prove to me that a written notification was sent notifying that I had outstanding charges BEFORE it was sent to collections. I WAS NEVER NOTIFIED.

# 3 PROVE to me that I am responsible for the damages.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid 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. (WI)

I was charged for the below Amazon Digital purchases on my Chase credit card from purchases made via my Amazon account. The charges were for XXXX gift cards. I did not make these purchases. I have opened a dispute with Chase which they have closed and indicated that they would not refund due to me " receiving benefit from the purchases. '' I have also tried to contact Amazon multiple times and have not been able to get them to help me. I have repeatedly asked for someone from Amazon 's fraud department to contact me but they have not. 

XX/XX/2019 - {$75.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$75.00} XX/XX/2019 - {$75.00} Based on my experience, I believe that the following article describes the security issue that allowed these purchases : https : XXXX I believe this because I have two step authentication set up on my Amazon account and did not receive notification when these purchases were made. Amazon has not been able or willing to tell me where these purchases originated from. 

So I guess at this point, I'm not sure if the responsibility is for Chase or Amazon to refund these fraudulent charges but it has been very disappointing that neither company has been willing to work with me on resolving this. I am a longtime customer of both companies. 

I have been working with both companies since these charges occurred and just recently received the notice from Chase that these charges would not be refunded.