davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here. 

I want my customer statement removed as its incorrect and I never provided a customer statement - XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX I want removed my name should only be on my report 1 time- XXXX I want XX/XX/XXXX and remove XXXX Experian I want XX/XX/XXXX removed from my report- Experian I want XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX removed its non mailable- Experian
Consumer complaint received 2021-10-12
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. (NJ)

I have submitted multiple dispute to Experian because they incorrectly show three accounts in serious delinquency. 

These accounts relate to school loans ( XXXX XXXX ( XXXX ) ), which I have automatically scheduled the payments since XXXX. 
My bank sends a check every months on the XXXX ; somehow the XXXX XXXX did not cash the checks and then reported them late, in error, to the three bureau ( XXXX, XXXX and Experian ). After I received notifications from XXXX XXXX on this issue and sent them evidence that my payments were sent on time ( i.e., on the XXXX of the month ). 
XXXX agreed this was an error and that my accounts were current and up to date. XXXX submitted a letter to the three bureaus to correct the error in my credit report. Two of the bureau ( i.e., XXXX & XXXX ) immediately corrected the issue ; however, Experian did not correct the error in my report. 
I have contacted and disputed the error at least three times in the last 10 months ; however, Experian persists in keeping the error in my credit report. I provided sufficient evidence showing them this was an error. I even provided a letter from XXXX stated the following : Loans # XXXX, XXXX, XXXX Please be advised that the above mentioned XXXX loan ( s ) with the New Jersey XXXX XXXX XXXX XXXX XXXX ( XXXX ) are current and up to date. Recent reported delinquency has been deleted on our records and is scheduled to update your credit profile with HESAAs next regular submission to the national credit reporting bureaus tonight. 

The following is additional information on the payments being disputed : Monthly Payment : {$350.00} Payable to : XXXX Payments in dispute : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

Flagstar Bank is the mortgage servicer for one of our investment properties. They recently changed their policy and no longer accept payments from business checking bank accounts. As this is an investment property there are only business accounts associated with this property and now we are being forced to pay with a personal account and reimburse ourselves from the business account. This creates an undue burden to our CPA/Tax Accountant and in filing our taxes.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (DC)

Hello, I would like to submit a complaint regarding an irresponsible ( and possibly illegal ) process by which Chase Bank recently issued its Sapphire Preferred customers new " touch-less '' credit cards. 

In my case, and I have to assume in the case ( s ) of others, these new cards were mailed -- and, more importantly, activated -- prior to customers verifying that they had actually received them. A vendors attempted to charge my card using an incorrect expiration date and security code, neither of which I could have possibly updated ( or even known needed to be updated ) given that I did not yet possess the new card in hand. The denied charge resulted in a terminated subscription. 

Chase did notify customers that new cards were being issued via e-mail, but 1 ) without any explanation as to why ( the e-mail did not mention that they were being issued because of new technology ), and 2 ) without notifying customers that the cards would have new expiration dates and security codes. 

Denied charges can have serious -- and in some cases -- life-threatening consequences. In my case, the terminated subscription was minor and could be re-activated, but if this card had been linked to my health insurance provider, I could have been at risk for canceled coverage in the middle of a pandemic. If this card had been linked to my utility company, our heat could have been shut off during the middle of winter. If I had been using this card to pay loans, I could be liable for outstanding interest. 

I ask that the CFPB institute and/or enforce penalties for credit card companies which activate cards prior to customers having received them. I also ask that the CFPB hold credit card companies responsible for reimbursing customers for any penalties, fees, interest, or other fiduciary liabilities incurred on customers ' behalf as a result of terminated payment plans or rejected payment attempts. 

Respectfully, A citizen
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

I have called and emailed them but they have refused to reply. I sent all document requests but they have refused to do anything. This is hurting my credit and all the plans I have. its ruining everything for me. 

This is not the first time the same collection had been placed on my credit. They do it everytime and I keep sending them document. Now theyve done it again. They keep doing it everytime. They sell account to companies, even paid off debt and the collection agency think they are above the law. They take whatever decision they want and ruined peoples lives. They believe the have so much power to place collection as they want and do what they liked I emailed XXXX they have also refused to do anything even the the evidence. 

I wish to file a complaint against XXXX as well
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-01-07
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)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT

METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! I demand the following accounts be verified or removed immediately
Consumer complaint received 2021-10-12
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. (CA)

Third complaint : Equifax has done the same thing, Nothing. I waited until they " investigated '' the wrongs from XXXX XXXX on my report. I logged on their website and it shows they completed the investigation, but I do not have any access to the results. Also my credit report is exactly the same as it was prior to my complaint. Equifax did nothing. I was supposed to get copies of their " validation '' of the debt. Nothing ... .I got nothing! Equifax is continuing to provide inaccurate information on my credit report which is making my score go down. XXXX XXXX is still on my report and they do not list the alleged " date of last activity '' or the alleged furnisher as they are legally supposed to do. They better remove this from my credit report. It is wrong and XXXX XXXX is not my acct. I believe this is done by Equifax as retaliatory against me for initially filing a complaint. 

I do not understand Equifax 's response. All they said was they will look into it. CFPB then closed this complaint. It should be left open until Equifax is held accountable for their actions. 

I never received the investigation report from Equifax. They also had stated they would send me any and all alleged " verification '' they receive for this XXXX debt. They did not. Are they breaking the law??
Consumer complaint received 2023-03-06
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. (GA)

In accordance to the Fair Credit Reporting Act XXXX XXXX the following instutions : XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I filed bankruptcy in XX/XX/XXXX, and XXXX XXXX was included in that debt. The bankruptcy has currently been XXXX, but XXXX XXXX report to my credit in XX/XX/XXXX of the account being late. That is not correct information because I had filed bankruptcy and been released and have no other credit card accounts with them.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted GM Financial about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called GM Financial for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.
Consumer complaint received 2021-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/20 I received an fraud prevention email about a XXXX ride purchase using my credit card number. I clicked the button indicating that I didnt recognize the purchase and immediately called Capital One. My card had been used for several rides so I disputed the charges and was given a credit for each charge. About a month later I noticed the credits had been reversed. I called and was told that XXXX disputed the chargebacks and that I should elevate the case to the fraud department. I did and was credited again for the charges. Then on XX/XX/20 the charges returned again! I called and was told that I wasnt allowed to file the charges as fraud since I had already filed them as disputed charges and that I should have responded to a letter about disputes two months prior. I didnt respond to the letter because I assumed my case was elevated to the fraud department and that superseded the regular dispute. Both the initial representative who recommended I escalate the case to and transferred me to the fraud department AND the fraud department representative who processed the claim should have known whether or not I could file the case as fraud or not! I was given misinformation all around and misled to believe that the charges were taken care of. I can clearly show the ride history on my XXXX app and the charges on my card do not match. It shouldnt be so difficult to get my money back!
Consumer complaint received 2021-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

In XXXX of 2020 I used a sister branch ATM to deposit {$2000.00} cash to my savings account. It was not immediately posted to my account. The bank issued a provisional credit one week later and 60 days later reversed the credit resulting in funds being taken from my checking and my account being over drawn. The sister branch found the error and issued the credit days later. My bank has yet to release the funds and credit my account. They also have incorrectly taken {$1800.00} out of my checking account. They have been rude and very unhelpful during this entire process. My accounts are both in danger due to their negligence and incorrect processing.

The sister credit union was very cooperative and even called the institution to help address the issue and correct the error. They are very concerned by how its being handled by Navy Federal since they were on the calls with me they have first hand knowledge as to how they have responded to this incident.
Consumer complaint received 2023-02-09
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
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: SYNCHRONY FINANCIAL (AL)

I made a purchase with my TJ Maxx credit card on XX/XX/XXXX in the amount of {$190.00} to a fraudulent company. I informed TJ Maxx and XXXX about the company. TJ Maxx and XXXX both issued a refund in the amount of {$190.00} TJ Maxx on XX/XX/XXXX and XXXX on XX/XX/XXXX. Instead of TJ Maxx reversing their credit they reverse both and now is showing a balance on my account in the amount of {$190.00}. I spoke with a rep on XX/XX/XXXX and it was reversed, however they rebilled me again. I called today and spoke with XXXX to no avail. They are fraudulently charging me for this amount. They tried to say that XXXX rebilled me which was not true.
Consumer complaint received 2021-10-12
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. (OK)

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for Experian, XXXX, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and Experian received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (DC)

Good afternoon,XX/XX/XXXX, based out of XXXX, WI XXXX XXXX. XXXX XXXX, XXXX, WI ), manages my Health Savings Account that is funded through payroll deductions from my employer. As of the date of this complaint, I have only received one welcome letter from the Bank, dated XX/XX/2020, regarding this account. I have not received any documentation ( i.e., disclosures or statements ) concerning my rights as an account ( deposit ) holder and, more importantly, I have not received my health care payment card or any alternate options to access the funds within this account so that I could pay for my pertinent out-of-pocket medical expenses. I have tried contacting the Bank as well as its affiliate, XXXX, to obtain a status of the health care payment card and have not received an appropriate response nor have I received the actual card as stated by the telephone representatives. I have called the Bank and its affiliate three times concerning this matter and, therefore, have exhausted my options. The last time I called the Bank, which then transferred me to a XXXX representative, was on XX/XX/2020. I would greatly appreciate a thorough response from the Bank and/or its affiliate regarding this matter so that I could perform and manage my pertinent healthcare expenses as intended.
Consumer complaint received 2021-10-12
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. (OK)

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, Equifax, and XXXX. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since XXXX and XXXX received the letters on XX/XX/2020 and Equifax on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (CA)

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 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Hi. I have XXXX in the bank Wells Fargo that is on hold. It was suppose to be on hold for 24 hours, and now it was put on hold for a week and now my account is overdrawn. I need that money off hold ASAP. I have bills that need to be paid and Wells Fargo is making it hard to do so.