davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XXXX XXXX I paid off XXXX XXXX  XXXX a collection account for {$57.00}. XXXX XXXX XXXX reported to Transunion and XXXX that the account was paid and the account was removed from my credit report. The account was paid off under 2 years from the open date and I should have received a credit score increase of XXXX according to the website of XXXX and Transunion XXXX I did not receive the credit score increase. 
OnXX/XX/XXXX I paid XXXX XXXX XXXX a collection agency {$230.00}. XXXX XXXX XXXX reported the debt as being paid and requested for it to be removed from my credit report. The collection was removed but once again I did not receive the XXXX pts that I am supposed to receive for paying the debt off under 2 years. It is my belief that this is done in order to promote and gain from consumers need for products and services that promote higher interest rates. This is damaging my credit and ability to obtain lower interest rates. The only thing that XXXX did was send me a copy of my report which did nothing to correct the problem.
Consumer complaint received 2023-03-09
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (CA)

XXXX XXXX XXXX Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Good afternoon, I was charged a late fee on my XX/XX/2020 statement. I was not aware that a payment was due because I did not receive a statement. I have always paid Bank of America on time. I wrote a letter to the bank, but they refused to refund the fee. I have already made full payment.
Consumer complaint received 2020-04-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NM)

Opened an 11 moth CD with Ally Bank in XXXX. Account qualified for a 1 % bonus after 90 days. Never received bonus. 

Wrote to President, Ally Bank on XX/XX/XXXX and XX/XX/XXXX Wrote to Board Member Ally Bank on XX/XX/XXXX Wrote to Ally Bank Customer Service XX/XX/XXXX I have not received any reply to these 5 letters.
Consumer complaint received 2020-06-14
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. (TX)

I have been disputing this creditor since XXXX XXXXExperian will not update my account with the creditor XXXX XXXX  XXXX When Experian does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both Experian and XXXX  about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and XXXX  refused to update the information. XXXX   stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXXXXXX XXXX XXXX balance $ 15,000+. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. Experian will not update my account with the creditor XXXX XXXX. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC. (TX)

This is the 3rd or fourth complain I am filling with this bank. I had travel out of the country back in XXXX and prior to that had contacted the customer service online to inform them. While overseas, I used my card twice in the ATM. When i checked my online statement after returning., I saw that I was charged international ATM, Fees, and other fees. I had asked the representative if i could use my card and what other fees i should expect, I was told it would just be the ATM fees since its not my bank 's ATM. yet I was charged other fees. Secondly, I am constantly charged overdraft fees, Often I would check for my account and know I have funds available and would still get charged. Sometimes i get charged double the fees. I understand the terms of having overdraft protection, but I feel this bank uses that to their advantage to overcharge customers. Its almost like a punishment. The government needs to look into it. its becoming an issue.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XXXX XXXX I paid off XXXX & XXXX a collection account for {$57.00}. XXXX XXXX XXXX reported to XXXX and Equifax that the account was paid and the account was removed from my credit report. The account was paid off under 2 years from the open date and I should have received a credit score increase of XXXX according to the website of Equifax and XXXX XXXX I did not receive the credit score increase. 
On XXXX XXXX XXXX  I paid XXXX XXXX XXXX a collection agency {$230.00}. XXXX XXXX XXXX reported the debt as being paid and requested for it to be removed from my credit report. The collection was removed but once again I did not receive the XXXX pts that I am supposed to receive for paying the debt off under 2 years. It is my belief that this is done in order to promote and gain from consumers need for products and services that promote higher interest rates. This is damaging my credit and ability to obtain lower interest rates. The only thing that Equifax did was send me a copy of my report which did nothing to correct the problem.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

For my 2019 taxes I decided to get my refund through a prepaid amex card, after receiving the card the instructions to activate the card was to wait for an email or call customer service. At this moment I never received the email and customer care is not taking calls, I try to call them several times and waited more than 2 hrs in line to get the call dropped after all wait. I have money deposited in that account that I cant use. Amex is not managing those prepaid cards with the urgency that the current situation requires.
Consumer complaint received 2023-01-05
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: CAPITAL ONE FINANCIAL CORPORATION ()

Since XX/XX/2022 I have a Credit Card to build my credit. However, payments are not beingreported to XXXX. I contacted the Bank, but the " Capital One Credit Bureau resolutions '' department only receives complaints by letter. I sent the fi rst letter with the instructions received by calling XXXX ( XXXX ) XXXX. On XX/XX/XXXX, I received a letter asking me to send again the samedocuments as the fi rst letter, saying that they did not have enough proof of my identity. I sent the otherletter, following all directions. On XX/XX/XXXX, a letter was sent to me, with a generic response, saying that the reports were made. However, in contact with the XXXX agency, I was informed thatthere is no Capital One report in my name.
Consumer complaint received 2023-01-06
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. (VA)

XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have a credit card with Chase Bank and I have never been late since account was opened. On XX/XX/2022 Chase Bank closed my credit card account with a positive balance of about {$4100.00} without my knowledge or consent. Chase Bank reduced my available balance to {$0.00} without refunding the credit balance to me. When Chase Bank closed my account they sent false and inaccurate collection balance information to XXXX and other data furnishers, Chase bank did this without any regards to the potential damaging impact it would have on my credit rating
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and TransUnion, XXXX, and XXXX has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Consumer complaint received 2020-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I am the sender XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, Cell Number ( XXXX ) XXXX, e-mail : XXXX Date and Time of Transmission : XX/XX/2020 at XXXX XXXX  ( CDT ) XXXX XXXX  ( EDT ) Receiver XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. 

I went on to XXXX store, XXXX XXXX, XXXX XXXX, Texas   XXXX  ( XXXX  ) XXXX to send money to my girlfriend of {XXXX} with {$XXXX} fee, total {XXXX}. My girlfriend called Sunday XX/XX/2020 in the afternoon that she to get money and she told the vendor said my name was spelled wrong and could not receive money. I called Western Union and the said my name was spelled correctly. On Monday XX/XX/2020, I spent an hour on the phone to get hold of Wester Union, several times Western Union system would hang up after twenty minutes on the telephone line. I finally talked to someone and I explain the situation and Western Union customer service gave a number to refund my transfer and the customer service at the store that the number Western Union is not valid. I ran out time and I had to get on the bus and I could not find the number that Western Union gave me. I spent XX/XX/2020, calling and e-mailing my problem. I tried explaining that I want a number to retransmit the money to my girlfriend. Western Union says all need to do is to use the original Mtcn Number and the store will retransmit, and the need to call Western Union. The store is saying Western Union needs call them. Several times I asked for a supervisor and they told a supervisor would call me in five minutes, one of the customer service named was XXXX and I never got a call. Western Union sent me several e-mails saying they receive my e-mail with no resolve. On XX/XX/2020, I called for two hours and I was took the same story by Western Union. 
I just want my money be sent to my girlfriend. Western Union refuse to give me refund number to retransmit.
Consumer complaint received 2023-03-05
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: HYUNDAI CAPITAL AMERICA (FL)

During the 2020 Pandemic I had lost my job and I was struggling to pay my bills I called Hyundai Motor Finance and I was granted to have my account placed on a forbearance period in order not to have my account reported as late payments. - I was told I could pay over time at the end of the loan the 3 payments I was struggling to make in timely manner That was promised to me over the phone by the Customer representative that I called 3 times - instead I then discovered that my Account is been reported late for 3 times on contrary of what was promised to me by the Hyundai Motor Finance Rep.

I paid always on time for 6 years my car loan - never a late payment besides the issue during the pandemic - I then successfully closed the account at the end of the Loan and no money are due to Hyundai Motor Finance
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A. (FL)

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (FL)

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

For many years I have attempted to dispute this fraudulent account and I have been declined and deprived of it being taken off my credit I have no knowledge of this account I have never had any access to the account and I have asked for it to be removed off my credit I have lost all opportunities to gain credit lines and or incentives that comes along with a positive credit line I am struggling and experiencing severe financial hardship due to this being on my credit I am formally she can count and ask him dropped is be removed I am not the owner of the account I have no knowledge
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am the executor and trustee of my mother 's estate. She passed away on XX/XX/2022. I immediately notified the estates department of Bank of America, who opened a case. My mother had multiple accounts, some with pay on death beneficiaries. After a minimum of XXXX ( XXXX ) personal visits to the bank ( which resulted in multiple mistakes by the bank staff personal bankers assigned to assist me ) I was able to receive funds from all but XXXX account. This account had no pay on death clause. I have also called the estate department no less than a dozen times to follow up only to find that their bank staff had botched something yet again. Yesterday, I was advised by XXXX that all of my forms were received and APPROVED ( after a lengthy delay due to " the holidays '' ). They have made many many excuses over this past 3 months. It is always " just this many more days ''. XXXX said that the account was closed but that the transfer to me had not gone through yet ( was " processing '' ). So today I called estate services and spoke to XXXX who acknowledged that the forms were approved and the account closed but that the transfer would now take another XXXX business days ( no explanation ). I truly believe Bank of America trains staff to delay the transfer of funds purposefully. There really is no other explanation as to why I have done everything they asked and 3 months later I am still waiting! I am a FT professional and do not have hours and hours to spend wasting it on them. Needless to say, this has been an extremely frustrating experience.
Consumer complaint received 2020-04-15
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. (NV)

I had an account with a doctors office, which I had been paying on for awhile. It went to collection and I paid the doctors office off actually a few dollars over the amount owed. It went on my credit report anyway, so I disputed it which was very hard because you can not contact the 3 agencies, so I mailed the dispute certified mail which they received and still no changes and the {$56.00} dollars is still on there even though it has been paid off
Consumer complaint received 2023-05-27
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. (NC)

There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.
Consumer complaint received 2023-02-18
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: AMERICAN HONDA FINANCE CORP (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FISERV INC. (CA)

aint : Im under XXXX XXXX XXXX and need to set up auto transfer, Ive downloaded the app, activated my card and created a password. I can access the app but not the web page as required to set up auto transfer, Ive filed XXXX complaints but they cant provide a case number. I need total access to my funds, Ive tryed different web browsers etc and it says wrong password,