davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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: DISCOVER BANK (NY)

Hi CFPB I was a victim of indentity theft. My discovery Mastercard card information was comprised and used for the purchase of XXXX I called them when my phone and card were lost and used for fraudulent transactions without my awareness and I was credited the amount and then recharge my account after some investigation that was never provided to me and is an outrageous charge for a supposed membership
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring punctual payments has been my consistent practice for this account, preventing any instances of overdue payments. I'm uncertain why there are references to late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be applied.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (OH)

I am submitting this to the CFPB to make them aware of this conversation last night with Comenitys specialized team. 

XXXX XXXX said she would make a fair compromise when it came to my accounts because of continual issues with their online payments. I did do what they told me to do with one of my comenity accounts and try to make a minimum payment. When there was an error with the website timing out and going blank, I emailed the specialized team saying theres an issue with the site. 

I have attached the email of what XXXX XXXX saying she was going to do, that never happened. 5 accounts were not adjusted like she said they would be. 

XXXX XXXX is now claiming they cant make those adjustments. I believe they can. This last chain of emails I received are not acceptable. 
This is simply gaslighting and I feel is retaliatory. I have been dealing with comenitys issues for 8 months. And so have many other customers. And instead of taking accountability, once again Im blamed for everything. 
Comenity and reps, I do not control your systems. I do not control your phones or computers. 
I will not accept any abuse or gaslighting. I have attached the emails from last night.
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX PLACED FOR COLLECTION XX/XX/2019 OF BALANCE XXXX. WAS UPDATED AGAIN ON REPORT ON XX/XX/2019 WITH ORIGINAL AMOUNT BEING XXXX I DISPUTED BALANCE OF NOT OWING ANYTHING. MOVED OUT WHEN LEASE WAS OVER WITH NO BALANCES. OWNER WAS AWARE. COLLECTION COMPANY TOLD ME THAT DEBTOR PRESENTED INFORMATION STATING I OWED BUT NEVER PRESENTED IT TO ME AND TOLD ME THAT I MUST OWE BALANCE. NO LEGITIMATE REASON GIVEN AND NO PAPERWORK TO SUPPORT ARGUMENT ON THE DEBTOR BEHALF
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I want a check sent to my address on the account. I don't want to talk to them anymore. The whole thing is complicated and they make it that way. But when someone steals money they don't go through none of this because they have their ways. I don't have " their ways '' as I am a honest person. A person who had a XXXX and will get a XXXX talking to them. Making me seem combative. They called me while I was sleep and then another while I was busy. This is too complicated and they'd probably try and talk me out of it or tell me I can't and waist my time once again. I don't want to do business with this company anymore. I was DONE with them when this happened. It's just a a wonder for me that they sent me like " XXXX '' cents ( not the amount but it was a small amount ) and decided to just keep the rest in the account and just lock me out. That's insane. I have the login to the account and check it every other 2 months. It has the full amount in there with literal dollars piling up on top of it due to their system detecting the money is there. It shouldn't and I don't want to do business with Capitol One 360 again. Just send me my check and this will be over. This happened about a year ago. This is thievery at the corporate level. Sorry but im not a person that will take this. Yeah, because of my XXXX it took a while for me to get here. But XXXXm here now and im not taking any of their stuff anymore. Sorry Capitol One 360 but XXXX XXXX XXXX, won't be a victim. I want the check sent to the house on the account and that's it. I don't want to talk to them or anything. They'd probably steal some of the money. I'm not stupid. So to clarify. The bank is Capitol One 360 and their holding my money hostage.
Consumer complaint received 2019-08-08
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. (NY)

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX Bank from 2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years.

Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with Transunion, XX/XX/XXXXand XX/XX/XXXXbut they did not remove it. ( i believe XX/XX/XXXX first removed it but then it reappeared on my credit report. )
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (UT)

XXXX XXXX sent me to collection via Aldous and Associates on XXXX XXXX XXXX  for the amount of {$3000.00}. 

I had initially signed up with XXXX on XXXX  and the following week began paying for a personal trainer. Within the next few weeks to a couple months XXXX began cancelling my appointments. Most were cancelled last minute. I was still charged for a few of these appointments. Then my personal trainer was fired. I contacted XXXX and it was agreed that I was not happy and did not wish to continue paying for services that were so easily cancelled at my expense. They were not holding up their end and I did not wish to continue. To this point I had paid for all appoinments including three cancellations that I paid for and never received. Then they send me to collections for an extraordinary amount of money beyond anything that ever happened. To this point they owe me for three appointments I paid for and they cancelled of {$300.00}.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VA)

Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.
Consumer complaint received 2023-02-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One Auto Financing is still sending me monthly bills after debt has been paid in full, i would like for mail harassment to stop and to correctly report it as account closed and paid in full with a paid to delete order mailed to the address on file. I entered a consumer credit transaction with them on XX/XX/21 and paid in full on XXXX XXXX i would like to receive my monetary compensation mailed to the address on file. Please see attachments for further clarity.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I '' m a victim of fraud and this collection company is trying to collect a debt thats was open Fraudulently. I repeatedly ask the collection company for validation of the debt that is competent evidence bearing my signature, Proof of identification ( Driver 's License or other form of Government ID }, a letter of sale or assignment from the original creditor to their company and that I ever had some contractual obligation to pay them.Those collections Consist of XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-23
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: DISCOVER BANK (FL)

On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX another inquiry report was pulled by DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Consumer complaint received 2023-01-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I attempted to pay my XX/XX/XXXX mortgage payment serviced by Mr. Cooper. Mr. Cooper bought my loan from XXXX in XXXX of XXXX. When I attempted to pay it it showed an increased required payment of {$1400.00} when our fixed rate payment had been {$930.00}. Our insurance and escrow had not increased by {$6000.00} per year since last year. When I called to inquire about the steep increase they said that they had taken out lender placed insurance because we did not have insurance on the property. They did this without my knowledge or consent. Upon further investigation a Mr. Cooper representative found our current valid home owners policy in their files. The lender placed policy they took out was from XXXX of their own subsidiaries. I feel as though this was done in an effort to defraud me and my family and had I not caught the error they would have made no attempt to resolve the issue. They currently show negative escrow balance of - {$3600.00} due to their error.
Consumer complaint received 2023-03-07
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: DISCOVER BANK (AL)

I had a due date of XX/XX/XXXX to pay monthly payment of {$270.00} to Discover for my credit. On Friday XX/XX/XXXX, I contacted discover to let them know that on Saturday XX/XX/XXXX, my wife and I opened a new checking account and to let them know I would submit the payment asap before XX/XX/XXXX to ensure that they wouldn't report me for being late. XX/XX/XXXX, I added my new checking account information to which I was successfully able to add and make the total payment of {$270.00} including the bonus cash I received from Discover. Monday XX/XX/XXXX, discover sent me an email stating that they received the payment. Thursday XX/XX/XXXX, I received another email stating that there was an error and that the payment was returned due to my financial institution listed it as a invalid account. I then had to transfer money to a different account to make a separate payment on Friday XX/XX/XXXX which is now a few days after the due date and 5 days after my initial payment on Sunday XX/XX/XXXX. I spoke with my financial institution XXXX XXXX  earlier today XX/XX/XXXX and they confirmed where the payment was confirmed and if Discover processed everything correctly on that Monday, XX/XX/XXXX than everything would've been processed in time therefore the payment being correctly processed and not having to take a huge credit hit for a something I had no control over. XX/XX/XXXX, I also contacted discover as well to find out that they blocked the original account information that I originally entered and now I'm having to mail in a check for them to verify the account information that I originally entered with the initial payment made on Sunday XX/XX/XXXX. I did everything on my part to ensure that I made my payment ahead of time and I find myself in a situation where I'm being put at fault for something I didn't do.
Consumer complaint received 2023-01-18
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. (DE)

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 2023-02-23
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. (NV)

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 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 CENT XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase customer for over 15 years and i have always used their mobile app on my smartphone every day. From XXXX XXXX of this year 2023 i have been misled by the Chase mobile App on my smartphone as i commute a lot for work so i have to check my bank balance through the app on my smartphone, Chase has not been displaying my active balance and even delaying on reporting the correct balance on my bank thus causing me to have over draft fees due to their app not displaying my active balance all it says is " we can not display your activity at this time '' i have called Chase bank and there is noting they can do to fix this issue i was told. I have a a balance of $ XXXX due to Chase not displaying my current account activity and current balance. I am hurting financially due to Chase 's own app that doesn't work, now Chase is charging me overdraft or negative fees because they failed to disclose the balance in my account.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Personal Information is incorrect. These credit bureaus are not even major companies but LLC companies and is adding anything to my credit report. 

The following is incorrect. 

XXXX XXXX XXXX is not me as I have stated numerous times before. Also, anything attached to this last name does not belong to me. 

I have attached my drivers license for your records. Also, my information is for verification purposes to correct my credit report. It is not to be shared with anyone else outside of the credit bureau to validate information from any outside company. Because they should have that information on their own if they are trying to validate a debt. If my information is shared outside of the credit bureau and continue to appear. I will be contacting my attorney.