davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

During Covid-19, I set up payment arrangements with Santander at the end of my loan for the fees at the end of my account. I was told that when I would pay a certain amount my account would be brought current. However this was not reflected on my credit reporting. My credit reporting showed a 30,60, 90 day lates for XXXX, XXXX, and XXXX Santander reviewed calls and agreed that the information would be corrected due to the payment arrangements set up as part of the Cares act! Santander fixed inaccurate reporting for two bureaus but failed to complete it at XXXX! Ive called for months and havw been told it would update at the end of the credit cycle every month! This has not Happened and ive call Santander every day since and there has been nothing done! This impacts my ability to secure funding and has negative repercussions for me despite Santanders promise it would be corrected.
Consumer complaint received 2021-02-19
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. (HI)

I have a Chase Freedom credit card that was originally opened in 1995. It is the primary credit card that I use and I make payments in full each month. On Wednesday, XX/XX/XXXX, I logged into my account and discovered it had been closed. I immediately called customer service and was told they didn't have any information and to email the company via the web portal. I did that and was told they couldn't provide any information, and to call the number on the back of my card ( the number I originally called ). I called Chase yet again this morning and was simply told, " this is not a decision the company takes lightly '' and that there was no one I could talk to who could remedy the situation. 

I am stunned, perplexed, and extremely frustrated that they would close an account in good standing without notification or rationale as to why. This is my oldest credit card and closure is going to dramatically impact my credit score, which is currently near perfect at XXXX. This is certainly a mistake on the company 's part and I would like the opportunity to plead my case and have the card reinstated. 

Thank you for your help with this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I have been requesting for mortgage assistance thru SPS for the last few years each time just gets denied for various reasons that dont make any sense. 

On XX/XX/2020 the lender denied me and on the denial letter it states my income was not considered as part of my evaluation review, they also mentioned that my payment could not be reduced enough to modify. In the review it does not appear my income was used to determine if I'm eligible for help, in your review under the Net Present Value it states my payment was to increase by {$30.00}, but as my income shows on my financial report I clearly have {$240.00} left over each month which I have not problem making this payment. 
SPS offered me a repayment plan for 12 months doubling my mortgage payment and leaving me with only {$400.00} for my monthly expenses including food, car expenses and utilities. I believe when SPS offered me this it was done intentional for me to fail. I made as many payments as I could until I could not afford it. Now each time I apply they deny me and are not allowing any home retention options. I offered them a contribution of {$10000.00} and asked them to place the remainder amount owed to the end of the loan and simply to allow me to continue to make payments but they even deny that. I feel SPS is more interested in the foreclosure of my home rather than helping me out. I would like CFPB to investigate SPS for any illegal activities.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

They previously took care of the issues that I had, my payment was to be due on XX/XX/2021 - I attempted to pay the payment in XXXX when I got paid - I get paid bi-weekly and did not get paid again until the XXXX. In late XXXX when I logged in to make the payment the account would not allow me to log in to my online account to make the payment as the issues had resolved - I have no problem making my {$31.00} payment that was owed, but because I could not log in - when I was finally able to log in - there was an {$89.00} payment due on the account because of late fees - this is not okay - this would have been paid on-time actually early had they not locked me out of my account and told me that I needed to call them to make payment. I wrote them - they will not take the late fee away nor take just my {$31.00} payment - if I pay just the {$31.00} they are going to apply a late fee every month. I can not due the {$89.00} right now.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC (MD)

Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
Consumer complaint received 2023-03-31
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)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp. (FL)

I used CFPB XX/XX/XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low XXXX by SOUTHEAST TOYOTA FINANCE. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XX/XX/XXXX8 ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX ). 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XX/XX/XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX  YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client World Omni Financial Corp. d/b/a SOUTHEAST TOYOTA FINANCE has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & SOUTHEAST TOYOTA to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, SOUTHEAST TOYOTA DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my XXXX years in XXXX  XXXX XXXX WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( Equifax, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

I went to the XXXX XXXXXXXX back in XXXX of XXXX. Apparently my insurance didnt cover an XXXX XXXX I received, and forgot to pay the bill sent to me for {$35.00}. The first bit of mail I received from Hollis Cobb debt collections, I paid in full ( XX/XX/XXXX ) as I never intended to run from such a small amount of debt, it had just slipped my mind. A couple weeks after paying, I received a call telling me I still owe. I informed the woman that I paid, and gave her the exact date and time the payment cleared from my credit card. She ignored me and kept telling me how I could pay. I finally got an email address from her to send a screenshot of my receipt. I emailed the company the screenshot with my debt account number explaining the situation. No reply, no anything, aside from a new letter informing me of my debt received in the mail yesterday. This company has essentially stolen my money and is still going to affect my credit negatively. Looking through their reviews on XXXX, this is how they treat everyone. Predatory and unlawful.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have disputed an alleged bankruptcy that Experian continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Experian continues to report the item on my Experian consumer credit report.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I have been sending certified disputed letters no response or anything changing on my credit reports accounts are still there as of today. Cant make any big purchases nor get any good credit cards because of these bad debt reporting on my reports XXXX and XXXX ONLY REPORTING DEBT THAT DOESNT BELONG TO ME. XXXX has updated all reports with debts deleted. Not sure what's going on with XXXX & XXXX REPORTS THEY ARE NOT CORPORATING WITH MY RIGHTS.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (PA)

On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter 7 on XXXX XXXX. 
I got a letter from XXXX  that I had a credit freeze on my sagesteram credit bureau ( which I never heard of until today ) I called sagestream to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with sagesteam. 
I spoke to a accounts person ( jenniefer ) at XXXX about this issue and they keep telling me they can not do anything about it. 
XXXX  was extremly rude to me on the phone
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason at all when I am using it for my business and i make transactions through goods and services. It must be a mistake as i confirmed i am over XXXX as they asked sent the tracking info and invoice and they still closed it without reason. I feel they are not actually checking the info at all as this has happened with many people before. The email linked to my PayPal is XXXX. Thanks
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I previously disputed an account listed on my consumer report XX/XX/24. I did not receive verification regarding this account. I submitted my Identity theft report to validate my claim that this account does not belong to me. I never signed any consumer contracts with this company furnished on my report. They have not provided me with any contracts bearing my wet ink signature nor have they proven that I owe this alleged debt. I am reaching out to you to request a reinvestigation into this matter because this account is causing extreme hardship for me. I take my credit very serious and the fact that this identity theft is going unnoticed bothers me. According to the FCRA 15 USC 1681i you are required to do a thorough investigation. I seek maximum accuracy just like the law states. This company is committing fraud by attempting to collect a debt I do not owe and they have violated my right to privacy by having my personal information without my consent. The account in question is XXXX XXXX XXXX account number XXXX.
Consumer complaint received 2021-06-23
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: SYNCHRONY FINANCIAL (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (MO)

On XXXX XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through transunion and and nothing happened. My XXXX  XXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Consumer complaint received 2021-02-19
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. (LA)

We have sent plenty of letters for fraud and called several times to have all these inquiries remove. I have locked my credit because my ssn was found on the dark web I would like all these inquiries remove.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent the XXXX a dispute letter on XX/XX/2021, which included several accounts on my credit that were incorrect. They have not responded and today is XX/XX/2021.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Hi, I applied for and got a American Express Gold card on XX/XX/XXXX as part of a promotional offer, that offered 60,000 reward points after an initial spending of {$4000.00} within the first 3 month and the annual fee was {$250.00}. I was expecting the annual fee to be charged to my account after one year of service, i.e after XX/XX/XXXX, as there was no indication of the schedule of this annual fee in the card member agreement that was provided to me. 
However unexpectedly the annual fee was charged to my account on XX/XX/XXXX, with in a few days of me opening the account with American Express. I contacted customer care online via web chat on XX/XX/XXXX and was told that Annual Fee is charged during the first billing cycle and that it is mentioned in the card member agreement. 
I looked in my card member agreement again and couldn't find any reference to the fee schedule ( i.e date when annual fee will be charged ) and I contacted customer care again on XX/XX/XXXX via web chat and this time, the customer care team looked in to my agreement and agreed that the annual fee schedule ( i.e the date when the would be charged ) is not mentioned in the agreement. I requested the annual fee be refunded, in the absence of clear communication in the card member agreement, as this would be a breach of trust and amount to arbitrary charges on my account. However AMEX refused to refund the fee and this complaint is now raised to resolve the issue. The card member agreement and the last chat is attached herewith. 
Apart from refunding my Annual Fee, I want AMEX to include in clear wordings the date when this charge will be charged in every card member agreement, including mine.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

IC Systems Collections on XX/XX/2023 Spoke to a collection representative in which I was informed me that by my social security number did not match the debt nor could they find my name or address with my full social as a debt. 

IC Systems has a debt on all 3 of my credit bureaus in which a debt not owed or my debt by the conversation its not my debt. 

I have proof by documents sent to them to settle the debt. 

call several times but no debt showed in my name or my full social security number.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CO)

On XX/XX/2021 I finally paid one of the debts off to Midland Credit Management, since I am getting no response, can not contact them and they refuse to mail any legitimate, helpful information to resolve the accounts or send any correspondence that is valid. I paid the {$1200.00} XXXX original creditor is XXXX XXXX ). Now they are not reporting that it is paid in full to the credit agencies and still hurting my credit score. I will have to pay the other debt at my earliest convenience, since they refuse to cooperate or act like a legitimate business.