davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (FL)

I need to inform the company that I have copies of previous credit reports from Experian, XXXX, and XXXX where on XX/XX/year> XXXX showed a credit score of XXXX with credit use at 91 %, Experian on XX/XX/year> showed a XXXX XXXX of XXXX with 53 % credit used, and XXXX on XX/XX/year> a score of XXXX with XXXX  % credit used. I currently have 44 % credit use and my son has XXXX % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.
Consumer complaint received 2020-10-02
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)

On XX/XX/2020 I added a new payment account and made a payment. I also made a payment XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I logged onto my banking website and realized the payments were not taken out. I then logged on to Chase 's website and noticed my account was closed and all three payments were returned. I immediately called Chase card services. While on the phone I noticed the new payment account was not available and was unable to re-add it, the Chase representative offered and stated he  successfully added the account and I could make a payment. I was then transferred to the lending team who informed me that due to my balance being close to the limit and the three returned payments my account was closed, but with a hard pull to my credit I could be considered for redemption. I stated that it was a mistake, and no one had reached out to me. The lending team representative then stated that they do notify their customers of returned payments on their mailed statements and that no error was made. It hadnt been 5 days since the returned payments, when I asked for a letter stating I was in good standing at the time of closure they refused. I feel this is unfair since I wasnt given the option to address the issue and this will now have a negative effect on my credit report that I have worked hard to improve.
Consumer complaint received 2020-10-01
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. (FL)

I never was late on payment to XXXX. XXXX   was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX office twice after move out. This is clearly retaliation by XXXX b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. XXXX  XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to XXXX  & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/Transuion.
Consumer complaint received 2020-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (GA)

I OPEN AN ACCOUNT WITH REGIONS BANK ON XX/XX/2020 WITH XXXX CASH ON THE NEXT DAY THE CLOSED THE ACCOUNT AND WILL NOT GIVE MY CASH BACK. 
THEY CLOSED THE ACCOUNT I'M PRETTY SURE BECAUSE XXXX XXXX NO OTHER REASON HOWEVER I DON'T CARE I WANT MY MONEY BACK
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (FL)

According to 1666b. A consumer law for late payments being reported on your consumer report .without following the laws and legal practices. On my XXXX consumer report theres a late payment from a lender. That should be removed because of these laws.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (MO)

Received collection notice from XXXX XXXX XXXX. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both XXXX  and XXXX. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both XXXX and XXXX. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks!
Consumer complaint received 2020-10-01
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. (FL)

I never was late on payment to XXXX. XXXX  was responsible for unmaintained hot water heater incased in wall that burst causing mold to ruin numerous items of mine including furniture, new shoes & clothing. XXXX   submitted false claim to bureaus in retaliation for complaint filed & fine by the city. I paid everything on time and never owed. XXXX  upset I didnt sign waiver that I wouldnt mention the mold in wall to others. Corporate refused to return in calls, voicemails, or emails left through there system to rectify issue. This false claim was filed after I moved out at end of the lease without ever making me aware and even after I visited XXXX  office twice after move out. This is clearly retaliation by XXXX  b/c they wanted to conceal mold in the walls causing damage to my items as a result of negligence their negligence and they owe me for over {$3000.00} in damages. The mold inspection confirmed mold and they immediately moved a new tenant in without concern for anyones health. The XXXX XXXX XXXX of {$360.00} should be removed. I'm not able to resubmit dispute to Experian & unable to reach rep at XXXX & XXXX. I was unable to submit w/XXXX rep & need resubmitted w/XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-08
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: BARCLAYS BANK DELAWARE (FL)

Barclays Bank Delaware was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. 

XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (AZ)

XX/XX/2019 i walked into XXXX  of XXXX  XXXX  for a estimate. i was given two. for two different procedures. filled out papers for " payment plan '' no follow up or appointment were made, that was the end of that.XX/XX/XXXX i received a credit card XXXX XXXX XXXX. i called XXXX  office  and they said to go ahead and activate it. i scheduled an appointment that day for XX/XX/XXXX to get my XXXX  XXXX  for {$790.00} which was one of the estimates from the XX/XX/XXXX visit. before my XX/XX/XXXX appointment i activated the card and set it up for on line use. so when i looked at the statement online there was a charge of {$2500.00} for " merchandise '' from the XXXX  office, and paid by comenity bank, which posted on XX/XX/2019? without ever doing any work the XXXX  office  already paid themselves! i contacted the bank and they said they will fix it. i informed them that i was going to get my XXXX   XXXX  that day and the estimate was for {$790.00}. and after the procedure i was handed a receipt for {$790.00}. which happened to be the same paper as the estimate. anyhow after months of going back and forth between the XXXX  and the bank they did adjust the balance. still for a {$790.00} for work that they actually did do i still had a balance of over {$1000.00}. the statement from the XXXX  is so redacted only a charge for {$2500.00} for " merchandise '' is all you see. the receipt was for {$790.00} what was the over charge for?
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I am the trustee and executor for the estate trust of my parents who are both deceased. About ten years ago ( this is my best estimate ) I opened a savings account at Well Fargo, ( it may have been Wachovia at that time I do not recall with certainty ). The name on my checks for that account is XXXX XXXX or the XXXX and XXXX XXXX living trust. I, XXXX XXXX deposited {$60000.00} in that account on the death of my father, which was the proceeds of an insurance policy purchased by my father and for which I was the beneficiary. When my mother was alive I used that account to pay for day care for my mother who had XXXX. She has been deceased for a few years and now, many years later the bank has denied me access to that account, insisting that I provide a letter testamentary to get access to that account. I went to the XXXX XXXX Probate office on XX/XX/2020 to see if maybe I missed something when I had gone there after the death of my mother. Once again the probate office asked me if there were any assets that were not in the trust. The answer is No. This means there is nothing to probate, so they can not give me a letter testamentary. I have spoken to the Wells Fargo employee who works at their XXXX Branch. She is very nice, but all she knows is the letter testamentary, I am unable to talk to anyone at the main branch with some expertise in trusts and estates and hence I continue to be denied access to my savings account. I'm able to talk to my doctor, even to see my doctor if necessary, I am able to get my hair cut, but I am unable to even get a phone appointment with Someone at the main branch with some knowledge of trusts and estates. They just do not answer the phone there. I assume at least some employees are working because I am not reading about bank employees starving because they have no money.
Consumer complaint received 2020-10-01
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has  been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2022-11-08
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: Bread Financial Holdings, Inc. (PA)

Hi, Comenity Bank has not reported any updated balance on my account since XX/XX/2022. I reached out several times to them. My balance is {$0.00} but it shows on my credit report that I have an outstanding balance of {$9000.00}. They sent me a message on XX/XX/XXXX stating that because of a recent system update they are not reporting account updates to credit bureaus while our processed align for accuracy. I would assume that they suppose to report after 90 days maximum, this is very inconvenient for me. 
Thank you for your help.
Consumer complaint received 2020-10-01
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: Advanced Resolution Services Inc. (MS)

This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Hello, The Federal Student Aid website ( studentaid.gov ) states that, The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. 

The problem is that the Federal Student Aid website and Mohela website ( http : //mohela.com ) both say that my recertification date is on XX/XX/XXXX. Both Federal Student Aid and Mohela keep on sending me reminders to recertify, and warn me that, if I dont recertify by that date, I will be kicked off of my income-driven repayment plan and my monthly payment will increase from {$160.00} to {$520.00}, which I most certainly can not afford. 

Ive tried to get Federal Student Aid website and Mohela to update my recertification date to XX/XX/XXXXXXXX  as it should be, but Im either hung up on when I finally get off of hold or Im simply told that they dont know what Im talking about. Ive made 6-8 attempts in the past 2 months. Your help would be greatly appreciated. 

Regards, XXXX XXXX
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-01
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. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2020-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (CO)

Last week I had my car repossessed. I had been talking with XXXX XXXX XXXX for for months and told them I was experiencing a financial hardship due to the Corona virus  and I was waiting for my taxes which I still havent received they offered no assistance and told me I need to pay {$4000.00} to get my car back and they plan to auction it on XX/XX/XXXX. I also have a lease with them as well which I called about and asked for assistance they said I would have a 90 exemption and I would not occur any fees but now I am being charged a {$69.00} late fee and being told I am past due. During a pandemic they have been unprofessional and hard to work with. I need help and they are not welling to help at all.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

1 : We noticed one of the vendors that we were using XXXX XXXX charged us didn't get any authorization for {$3700.00}, so we contacted Chase immediately via Secure message immediately on XX/XX/XXXX at XXXX XXXX  The original message is attached below. A : We requested a refund. B : We want to stop all future payments from this vendor. 

2 : Then we contacted Chase via secure message on Chase online banking again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well for the same request : We want to stop all future payments from this vendor. 

3 : Yet, we got charged again on XX/XX/XXXX for {$7900.00}. Even though we wrote to Chase XXXX  times in half a month period. 

4 : And today we called Chase again, and we got transferred XXXX  times back and forth between their dispute department and customer service department, however, their customer service XXXX told us they can not do anything and can not be refunded. So in total, we lost over XXXX, because Chase can not stop the XXXX on time. 

5 : And they told us the claim that we filed on their secure message system was already closed, even though we didn't receive any notification. And there is no instruction on how to continue the claim. We would like to get a refund of the {$7900.00} from Chase because Chase didn't block the transaction. ( First unauthorized transaction it is the vendor 's issue, however, the second transaction after we informed Chase for half a month, and we still get charged it is for sure Chase 's responsibility. ) 6 : We contacted customer services, and their customer service told us the first complaint for the {$3700.00}, is already closed because we didn't send any proof. But no one told us to send us the proof and where to send it. They just closed the complaint without informing us. 
We told customer service please not close the case, we have proof just need to know where to send it. Then they told us the only way to send the proof is by fax or mail. However the fax no one responded, and we tried over 10 times. 

7 : Also today, from Chase XXXX office, they were calling and blaming us can not stop the transaction on time because we were using the secure message channel on their website, and blame us the reason they can not put the stop transaction block on time is that we didn't go to the branch to handle this.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (VA)

This company has been reporting that I owe {$250.00} since XXXX of 2017. I paid the balance in full in on XX/XX/2017. When I called them to complain they acknowledged that they received the payment. I feel this should be taken care of immediately and it has adversely been affecting my credit score for years. They also have held onto the Title to my car and led me to believe it was given to the dealer where I purchased the car, XXXX XXXX, which went out of business years ago. I have enclosed proof of final payment.