davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX wrongfully reversed a {$1000.00} charge made on XXXX XXXX after a customer stayed in our facility for 30 days. We provided accommodations and the customer disputed the charge to receive a free stay. We provided XXXX footage, text messages, driver license photo, terms of use signature, and witnesses that the customer used our services for the duration. XXXX deducted our monies, and even charged us a chargeback fee. We took the customer to court and the Judge agreed we must get paid. We charged the XXXX card for the exact amount on the court order. XXXX ignored the court order and reversed the charge again, charging us another chargeback fee. We demand to be paid for the service, and for the small claims judgement we sought and won. XXXX is siding with their customer, and ignoring our legal proof of stay and court order. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX judgment entered XX/XX/year> at the XXXX XXXX XXXX. 

" The Court finds Proof of Service of the Plaintiffs Claim and Order to Go to Small Claims Court and notice of today 's hearing is satisfied. Party submits evidence for the Court 's review. The Court having reviewed all evidence rules as follows : Court orders judgment entered for Plaintiff XXXX XXXX against Defendant XXXX XXXX XXXX on the Plaintiffs Claim filed by XXXX XXXX on XX/XX/year> for the principal amount of {$1000.00} and costs of {$30.00} for a total of {$1000.00}. Notice of Entry of Judgment filed and mailed to all parties, and Judgment Debtor 's Statement of Assets mailed to the defendant. ''
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Harris & Harris, Ltd. (IL)

Harris & Harris has called me repeatedly, Their contact information : XXXX XXXX One evening 6 months ago the president of the company that I work for realized no one in our company had been checking the general voice mail box where outside callers can leave messages, he spend time listing to all the message to clear the voice mail box out. 

The next morning when I came into work I was called into the presidents office, he handed me a sheet of paper listing 17 times that Harris & Harris called and left a message, he told me to correct the situation immediately as being a manager of the company this doesn't look good on me. 

I contacted Harris & Harris and told them I'm not allowed to receive calls at work and their Constance calling could jeopardize my employment. 

They stopped calling for a few months but know the calls are starting back up again last call was XX/XX/2020.
Consumer complaint received 2020-08-14
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2020-08-14
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. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX   XXXX {$230.00} XXXX XXXX {$2100.00} XXXX XXXX {$470.00} XXXX   XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX   XXXX {$190.00} XXXX XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX XXXX {$740.00} XXXX XXXX   XXXX {$850.00}
Consumer complaint received 2020-08-14
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. (IL)

I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. 
The last complaint XXXX was not reviewed. I am now sending a request again along with the same paperwork that I previously submitted.
Consumer complaint received 2023-03-17
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. (TX)

I have 3 inquiries related to a company XXXX XXXX XXXX. 

I have tried to contact the company to dispute these inquiries and have been told a manager would call me back multiple times. I have never received a call back. 

The inquiries are as follows : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 While I did engage this company to seek approval for services, i was told several times there would NOT be a hard pull on my credit that it would only be SOFT pulls. I told the representative at the time that I only approved of SOFT inquiries and that I would not engage in any HARD pulls of my credit report.
Consumer complaint received 2020-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

Argon Collection Agency XXXX XXXX  bills ) There is one for {$7000.00} and one for {$170.00} dollars approximately. I have disputed them several times with XXXX XXXX  as well as XXXX XXXX and XXXX. Insurance has notified me as paid. This still shows on my credit report.
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}
Consumer complaint received 2020-08-14
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}
Consumer complaint received 2016-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Very quickly ... XXXX XXXX mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XXXX XXXX Mortgage payment XXXX XX/XX/XXXXXXXXtgage payment XXXX XXXX XXXX Mortgage payment XXXX I had contacted my mortgage company and asked how come my mortgage went up so much? They said it was due to the shortage in escrow and my taxes went up. I asked how much are my taxes and they said over XXXX for the year. I told them that my taxes were not that high, somethings wrong with the payments for XX/XX/XXXX and XX/XX/XXXX. I argued with them ALL XX/XX/XXXX and XX/XX/XXXX about my account being wrong. They finally admitted that they had made a mistake and put the " over payment '' of XXXX to my shortage in escrow but they did not remove a late payment with the credit reporting agency for XX/XX/XXXX. I told them I could not make that inflated payment because it was too high. So I had to make a double payment in XX/XX/XXXX figuring they would correct their mistake. They NEVER sent me my new escrow figures until I had questioned the payments. So now im paying what I should of been paying since XX/XX/XXXX and my payment would not have been late. Ive tried to reach a manager or supervisor about this but NOBODY has answered their phone or returned any call that I have made. ( over 10 calls ) I want my late charge to come off of my credit report so I can move on and forward. I have ALL records and can make copies if you need them. Thank you!
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (NC)

I applied for refinance of my home with Better.com I have signed my closing papers for refinance on XXXX/XXXX/2020. As per the CD I signed, payoff date was XX/XX/XXXX. But actual payoff happened on XXXX/XXXX/2020. 

I did not get any proactive update from lender about delay in payoff. I continue to make calls and emails to closing expert assigned to my case and they did not respond. 

I have paid prepaid interest from XX/XX/XXXX2020 for XXXX  days. 
I have also paid interest to my current lender til XXXX/XXXX/2020. 

I am supposed to get the final CD after the closing and refund of double interest charged. 
I have called almost everyday and did not get any proper response. I get a response that closing expert is busy in some meeting and will call me back and that never happened. 

Its 2 weeks since I signed my closing documents and still waiting for final CD and refund of double interest charged.
Consumer complaint received 2020-08-14
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. (TX)

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, XXXX, and Transunion twice to remove these inquires because I have no idea where they came from
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

The payoff of my loan was received by the servicer on XX/XX/XXXX however they are not considering the payment as received until XX/XX/XXXX. They have acknowledged that the payment was received on XX/XX/XXXX, but they are refusing to post it as of XX/XX/XXXX and have therefore charged me for an additional day of interest.
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

I paid Credit Collection Services my full balance of {$530.00} on XX/XX/2020 at XXXX it came off my credit report for two weeks now its back on. 

Also I dont know what XXXX is its says owe {$860.00} never heard of that company
Consumer complaint received 2020-08-14
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I had a line of credit with Citizens Bank that had a {$10000.00} credit limit. I owed them about {$9300.00} and had trouble paying them due to finances. So they ended up giving it to a collection agency. I was contacted by XXXX  back in XXXX of XXXX and they contact me and made an offer of {$1400.00} which the account would be settled in full. 
So on XX/XX/XXXX I made a payment of {$1400.00} to XXXX for the line of credit at Citizens bank which settled the account in full and closed it out.

For some reason XXXX is showing that the account was paid and closed with a payment date of XX/XX/XXXX and showing current. 
For some reason XXXX has not been updated. It is still showing derogatory, showing a current balance of {$9300.00} and a last payment date of XX/XX/XXXX. In the remarks it says charged off as bad debt, profit and loss write off. The status states collection, charge-off.
Consumer complaint received 2023-03-17
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. (MO)

Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. 

In The Companys response on XX/XX/23 via the CFPB Complaint number XXXX, The Company acknowledged receipt of the The Consumers NOTICE TO DISPUTE the following accounts : XXXX : # XXXX Unify : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX Bankruptcy XXXX The Company disputed and deleted the XXXX account. But until today XX/XX/23, The Company has either refused or ignored my request to dispute and verify the accuracy of the other above mentioned accounts as previously requested on XX/XX/23. Either way, the FCRA allows up to 30 days for investigation and it has been more the 30 days as of today. Therefore The Companys investigation is complete and the accounts should be deleted immediately.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (TN)

During Covid-19 pandemic, I XXXX from XXXX in XX/XX/XXXX moved back home and worked at XXXX XXXX I was removed from my XXXX XXXX position on XX/XX/XXXX, and on XX/XX/XXXX, my father, unfortunately, had a XXXX XXXXXXXX and my mother and I were left to pick up the slack with the bills in the household, resulting in me not being able to pay off my required dues. With the lack of job offering during the pandemic, I was not able to fully sustain all of the bills that were given to me, specifically my XXXX loans and my credit card bills.
Consumer complaint received 2020-08-14
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}
Consumer complaint received 2020-08-14
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX XXXX {$21000.00}
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

I applied to the U.S. Bank Altitude Go Visa Signature Card on XX/XX/2020, online. 

The application was in process for several days, and I have never been contacted with any follow-up. 

On XX/XX/2020, the application showed as denied. After a 20-minute hold ( seems excessive to me ) someone finally answered the call, who told me that they just needed to verify some information. 
I spoke with the verification department, and was asked a few questions. I was asked if they could send a text code to my phone, I agreed, and then they told me their system had an issue and the code could not be sent. One of the questions was if I was travelling and that prompted me to clarify I have to use VPN at home, and maybe that's why the application might show as not coming exactly from my address in New York ( even though the VPN is for the tri-state area ). 
I was asked a few more questions and put in a hold. In the meantime, I did receive the text message with a code. 

After holding, I was told they " don't feel comfortable approving this application ''. I had already confirmed my identify with questions, and also confirmed I received the text message but she refused to even take the code I received via text, due to their system error. She just kept repeating that they " don't feel comfortable approving this application '' but I was invited to reapply immediately without a VPN, and that would mean another hard inquiry in my credit report. 
Strangely, my partner had applied for this exact same card a few weeks ago using my computer ( and he lives in NJ, not NY ) and his application was approved. So this verification is also not consistent. 

I felt discriminated. 

I answered all my questions correctly, I received the text message in my personal phone, there is nothing in my credit report that would prevent me from opening the card ( no cards opened in over a year, score of over 810, no debts ). I understand if the VPN might have raised concerns but I already confirmed my identity, and asking me to reapply with another hard inquiry is not fair. 

It seems to me I was denied because of their system error ( not being able to take the code sent via text ) other than anything on my side. 

As a customer, I have the option to open any other credit card that I want. However I find it important to share with CFPB how my application was handled, even after confirming my identity and phone number. 

I never hard a credit card application denied before, and VPN was never an issue in previous applications.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (TX)

I have a checking account with Chase Bank. They recently sent me an email advertising {$200.00} when depositing {$15000.00} into a new Savings Account and leaving it there for 90 days. It seemed normal, but on review of the email I found that the offer was actually expired prior to it being sent. Even if I opened the account immediately, I would not have been given the {$200.00}. While this information was all found in the email, it is dishonest to send an offer with a headline for a product that doesn't exist, a bait and switch of sorts. 
I contacted Chase for an explanation, since it's possible the email was delayed due to a technical problem or just a legitimate mistake, but the responses were just as misleading as the original email. 
See the attached correspondence with Chase for details.
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello - I paid off a vehicle loan in XX/XX/2020 with Capital One Auto Finance and to date, haven't yet received the vehicle title. 
The Pennsylvania Department of Transportation is stating that they need to receive an electronic lien release request from Capital One which they're saying they've not received, meanwhile Capital One is stating they've placed this request twice. 
Capital One did send me a physical notarized lien release in the mail. PennDOT said they're uninterested in that document as the request must be electronic. 
This week, I called Capital One Auto Finance twice asking for a manager to help me resolve this, each time I was placed on hold and hung up on. 
I've also placed a complaint for them with the XXXX, hoping that would get someone's attention. I've gotten no response from that either. 
I've been stuck in a loop for months and feel that I'm out of options for receiving help. 

I've attached email communication that has taken place with PennDOT. 

It has not been an option to reach anyone at Capital One by email and it has not been an option to reach anyone at PennDOT by phone.
Consumer complaint received 2020-06-16
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: Bread Financial Holdings, Inc. (NY)

XX/XX/2020 I was charged for being late on my credit card payment ( XXXX XXXX ). I was charged a late fee and it was reported on my credit reports as thirty day late. I filed for this inaccuracies to be corrected and was only sent statements, they never verified the late payment has I asked. I have never been late before on my XXXX XXXX  credit card.