davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (KS)

National Credit Systems -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

XXXX  and XXXX  continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX  has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.
Consumer complaint received 2024-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I purchased a voucher for a future stay at the " XXXX XXXX '' in XXXX XXXX, CA through XXXX The total amount was {$490.00} and the site promised to fulfill the stay by XXXX. 

XXXX XXXX has deliberately scammed money from me as well as other purchasers without any intention of fulfillment.XXXX XXXX fabricated plans that resulted in a total XXXX of $ XXXX through XXXX. Last communication on this project was dated XX/XX/XXXX ; no updates on the project have been provided since. 

I tried contacting my credit card company, Capital One, and they refuse to issue a chargeback on this merchant, stating that I waited too long -- however the scam did not come to light that we were all being bilked out of our money until over a year later.
Consumer complaint received 2023-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On Monday XX/XX/2023, I received a text message from what looked like XXXX XXXX XXXXXXXX saying that someone attempted to XXXX through the zelle app from our bank account. Because I responded to the scammers unknowingly, they were able to transfer at least {$1500.00} out of our checking and savings accounts. I spoke with the scammers unknowingly and then I called XXXX XXXX XXXXXXXX. I was told by XXXX XXXX XXXXXXXX that zelle is a third party entity and they can't guarantee me my money back. They said zelle has up to 45 days to look into the matter. It has been 6 days now and we haven't heard from anyone.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX ....
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (IL)

paid for {>= $1,000,000} identity theft protection from XXXX, XXXX- XXXX, XXXX from Discover Card, on both my Discover It cards. Discover failed to activate/pursue party responsible for my stolen identity, although I stated my identity had been stolen to at least several hundred Discover employees. My identity theft is still ongoing, nearly a year and a half later, on every account, with every company. I spoke with them in XXXX, XXXX and they stated that because I canceled the identity theft protection coverage after six months, and my accounts are now probationary, they refuse to honor their contract.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NV)

I am contacting your agency for assistance in disputing several transactions on my XXXX account ending in XXXX. These transactions are a direct result of an online business opportunity where what I thought I was buying was grossly misrepresented. These companies worked together selling me various related products and services that have not been delivered as they were described. The charges that I am wishing to dispute are : XX/XX/XXXX XXXX  {$2000.00} Chase XXXX XXXX XX/XX/XXXX XXXX  XXXX  {$1200.00} Chase XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (PA)

I had a XXXX credit card for about 20 years. Approx. 4-5 years ago the interest rate for this card was reduced by XXXX to 8.99 % APR. Because of this, this card is one of 2 cards I use as my primary cards. 
XXXX accounts were purchased by Comenity Bank in XXXX XXXX, Texas effective in XXXX, XXXX. The interest rate continued at 8.99 %. Today I received notice from Comenity Bank that my interest rate was being increased to 15.49 % effective XX/XX/XXXX and this new rate applies to existing balances as well as new purchases. I contacted the bank to inquire why my interest rate was nearly doubling and was told this was a company wide policy change. I questioned if this was legal under the banking regulations and was advised by this person that they did not know. The person advised that they could put me in for an interest reduction but not before the new interest rate went into effect. I commented that there was no guarantee that the interest rate would be reduced. I further commented that I know that banks are having some difficulty alluding to that perhaps this was done because so many persons were defaulting on loans. I suggested that perhaps if the bank was having a problem and needed to increase the rate by a percent or two and give consumers adequate notice and written reasons for the increase, that perhaps it would be more acceptable but for the bank to just up and do this to probably thousands and thousands of people was unfair and just plain greed. I informed the person at the bank that I was not going to stand for this and I was contacting federal banking regulators. I told the person that this bank would never see any more of my business.
Consumer complaint received 2020-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NY)

I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for. 

Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support. 

I am beyond enraged with their terrible service!
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (SC)

XXXX XXXX XXXX Consumer # XXXX Dispute Case ID : XXXX XXXX XXXX I had a Fraud claim open with Early Warning disputed Fraudulent Bank Openings with XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX XXXX I have sent them a police report identity theft report and copy of my signatures in front of a XXXX XXXX XXXX have lied and said they did an investigation and lied. I have contacted these Bank Institutions also. 

Early Warning already have the necessary paper worked sent to them via mail form the previous disputes Thank You XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I made a payment on my Capital One credit card ending in ... XXXX on XX/XX/XXXX for the balance that was outstanding on my account {$940.00} -- bringing my balance due to {$0.00}. 

I normally get Capital One notifications that my payment posted and " thank you '' and new balance is now $ the new amount less the payment. 

I went online to verify payment had posted ok, after first being sure funds had been removed from my Credit Union checking account -- which was the case. 
I spoke to level one Customer Service and the Representative was not sure why my payment -- that had posted already with Capital One -- had not yet re-set my available credit. 

So that representative forwarded me to " XXXX '' who was higher up and with Payment Processing. While XXXX was very nice and 100 % professional, she could give not logical reason why my card was only showing a {$3.00} available limit. After looking further, she said their " system flagged my account '' because I paid a larger payment than I usually have done so in the past. 

I told her isn't that the payment behavior that you / Capital One appreciates the most? ( Cynical comment -- NO! Of course Capital One makes more profit on people who only pay interest payments. ) Regardless of the profit motives of the revolving credit industry -- it is outrageously bad service when a Consumer with a multi-year history makes a payment and the provider 's computer system puts the account on hold for 7 days.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (CA)

I froze my credit with the big 3 when the equifax breech occurred. When i went to temporarly reverse the freeze, equifax required that i provide my ss # ... ... it wasnt good enough to provide the last 4 digits as well as the pin code I was required to save in order to reverse the freeze. It takes a lot of nerve for a company to ask me to punch in my ss # into some computer netherland to a company that lost it to thieves in the first place ... .i know that the freeze is working as i have applied for a credit card and was told hat the freeze blocked the application ... ..clearly, EQUIFAX has my ss # and I should be able to identify my account with the numbers i mentioned ... ..HOW CAN YOU LET THEM CONTINUE TO ASK FOR INFO OPEN TO BREACH!! 


THIS MAY APPLY TO XXXX AND XXXX
Consumer complaint received 2020-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Refuse to follow Federal law : FCRA 605B ( 15 U.S.C. 1681c-2 ) The Fair Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- July 30, 2004 30 ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2020-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

Submission of complaint : XXXX CFPB, 1. I had a 2-year Flex Loan with XXXX. Approved via telephone and opened XX/XX/XXXX. I had automated debit payments through my checking account. The loan was paid in full meeting the contract agreement on XX/XX/XXXX. 
Months passed and it was not reported on any credit reporting agency ; XXXX, Experian, or XXXX. With perfect payment history, I expected this positive loan account on all 3 credit bureaus influencing my credit score. 

2. I have contacted XXXX multiple times in a 2 year period to have them report my paid off loan to 3 credit bureaus. Each call I heard the same information from " supervisors '' saying : " We do not report information to credit agencies ''. When I asked ; I cited the Fair Reporting Act 15 U.S.C. 1681. They refused to report my loan to any credit bureau. 

A. I asked if they reported negative information for nonpayment of a loan ; their answer was " yes ''. 

3. I have contacted all 3 Credit Bureaus. 
a. Websites : Disputing the omission of my 2-year flex loan through XXXX. All 3 agency websites were not formatted or set up for disputes of " non-information '' or " information not listed ''. 
b. Phone calls : Several with no action. 
c. Mailed packages to 3 credit reporting agencies with multiple pages of detailed loan information and payment history. I received 3 letters back telling me to call them. After multiple phone calls to 3 credit bureaus explaining my case, XXXX is still NOT listed on my personal credit reports.

4. There has been no resolution as of today. XX/XX/XXXX. 

4. Attachments enclosed XXXX XXXX
Consumer complaint received 2020-04-14
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. (MA)

Account ending in XXXX with XXXX XXXX  was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by XXXX XXXX collecting department. 
I have disputed with Experian and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.
Consumer complaint received 2024-03-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Transactions is excluded from a consumer report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 

XXXX XXXX  and XXXX  after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account
Consumer complaint received 2020-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

This is in response to the XX/XX/XXXX complaint that i submitted with the consumer protection bureau. The company is stating that we were late however the fees do not add up. We submitted paperwork around XXXX or XXXX of XXXX with the loss mitigation hardship department as we were having a financial hardship at that time due to XXXX having XXXX prior that year and missed several days from work. However we did not qualify for the hardship program, Several documents were submitted to this company. We were finally able to get the money from a family member to catch up our mortgage around XX/XX/XXXX. I spoke with a customer service rep from loancare before making our payment. The rep advised that he would waive the late charge that occurred in XX/XX/XXXX in return for us catching up on our mortgage. Obviously this was not completed as the company is still trying to say that we owe {$170.00} in late charges. But no one can explain to us how. When i called and complained about the late charges on our account around XX/XX/XXXX, The rep stated that he didnt know exactly what dates the late charges were for. However he waived the XX/XX/XXXX late charge as a courtesy for us. He advised me to email their research department to research the late charges on the account. 

If the company charges {$59.00} for a late charge. And we were promised that two late charges would be waived. How does that equal {$170.00}. Two lates charges waived equals {$110.00}. That means we should only owe {$59.00} for a late charge. This company is always sending documents however when you call them to explain the documents they cant explain to how they come up with the numbers. We would like our account credited the other late charge that was promised to us in XX/XX/XXXX for catching up on our mortgage.