davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

I was traveling to the XXXX where I needed to get a Health Certificate from the XXXX government. When I XXXX the health certificate a site came back appearing to imitate the government health certificate website however is was a scam/fraud. The certificate was to be free as I knew it. The website requested my credit card number as reference however never divulged that they would make a large charge for the free service. If they had clearly stated they would make a charge, I would have known it was a scam. I checked several times on the website however the website never disclosed they were going to make a charge on my credit card for {$140.00} on XX/XX/2022. In matter of few minutes, I checked my credit card a charge was posted then I realized I was scammed. The health certificate website looked like official government website. Other private website would state clearly at the beginning of the webpage that they are not a government agency. However this site pretended to fool people to believe you are on a government website to scam people out of money when the actual health certificate is free from the XXXX government. I contacted my credit card company, Chase who claim I can dispute but would not credit my account for fraud. They were suppose to mail me a dispute form however never arrived. When I received an email from Chase asking me to respond, I did fill out the form and faxed it back to the dispute form to Chase. As of today, I have not received credit for scam/fraud purchase and Chase has not responded to my dispute form.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I received my credit report from your company. I see a adverse account that is being reported in error and have to be deleted. The account is XXXX see all three attachments of the report. It stats a close date on XX/XX/XXXX and a last payment date on XX/XX/XXXX. How is that possible! All can be seen on the attached paperwork. Please review and delete.
Consumer complaint received 2021-07-29
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. (MD)

I sent in a letter on XX/XX/XXXX due to the fact there was inaccurate and unverified information on my report. I have googled the FCRA and it states that the company reporting my information has to report accurate information. These erroneous errors reporting on my credit report is hindering me from getting a job. These errors are blatant mistake and should be corrected asap. Your company is violating my rights and want these issures fix now. It has been way over 30 days thats I have disputed. Today mark 60 days and the law states these items need to be deleted. I never gave permission to report inaccurate information on my credit report.
Consumer complaint received 2021-07-29
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: CORELOGIC INC (DE)

- XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- Corelogic Credco pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TN)

I opened an online Money Market Account with BBVA on XX/XX/19 by electronic transfer from XXXX Money Market account for {$100000.00}. I did this because the interest rate was higher. Last week @ XX/XX/19 I planned to transfer funds to my Bank and got online to make the transfer. This is when I discovered I could not transfer more than {$5000.00} in one day and not more than {$10000.00} in a month. I contacted Customer service who told me it was a banking regulation. I checked the disclosure statement for the online Money Market account and there is no disclosure for these limits. I called back and asked to speak to a supervisor. The supervisor also told me this was their limit for electronic transfers. I told her I had other Money market accounts and they had no such limits. I requested to contact a Bank Officer. They told me they would forward my  concerns to the " out of footprint office ''. I asked for a phone number and was told they could not give that out. It would be 3-5 days before someone would contact me. The closest branch office was in XXXX, XXXX ( 3 hr drive ). I called that Branch and asked to speak to a Bank Officer. I spoke to XXXX who gave me the number and name of person in the Out of Footprint office. I left 2 voice mail mail calls to XXXX XXXX who never returned my calls. I finally spoke to XXXX in the out of footprint office who I told about the lack of disclosure and what I wanted was to transfer my funds back to XXXX XXXX. His suggestion was for me to open a checking account, buy checks which will take several days to obtain. 
I just want my funds sent back to XXXX where they came from. Had I known about the electronic transfer limit ( there is no disclosure of those limits ) I would not have opened this Money Market account.
Consumer complaint received 2023-01-22
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: EQUIFAX, INC. (CA)

Equifax continues to close my disputes regarding a hard inquiry posted on my credit report on XX/XX/22 by XXXX XXXX. I have not applied for credit with XXXX XXXX. I need Equifax to provide me proof this belongs to me since XXXX has already provided me a written confirmation this was not made by me.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. ()

There were several fraud transactions occurring through my credit card for which i have never made a purchase since XXXX XXXX. These transactions were happening without any XXXX  however keep on getting messages that transaction has been made for the same. This is being reported to CitiBank and Card was blocked immediately due to which no major mishap occurred. Although hackers are keep on attempting to make a transaction but failed due to immediate blocking of card. 

So far around 6 transactions of amount Rs. XXXX were done for which amount is reflecting in my credit account and also several failed attempt for around Rs XXXX was made post blocking of card. Also attempt of transaction were made in another currencies other than XXXX.
Consumer complaint received 2019-12-14
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-07-29
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. (LA)

I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-07-29
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. (LA)

I asked for XXXX XXXX  to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I asked for XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MI)

My credit card number was used and fraudulent purchases made. I contacted the company right away to report it and told them that I wanted to make sure when a new card was issued the info regarding the payment history of time and all payments made on time and in full was going to continue to be reported. The credit card company closed the account. made an unauthorized hard inquiry on my credit report and failed to report the previous credit payment history. I contacted them numerous times to get this corrected. then the previous credit card was totally removed from the being reported. not reporting the info and then removing the card totally from my report and the hard hit caused my score to go down. This affects the insurance payments that I make for properties and cars. I estimated that this drop has cost me aprox 300 per policy. 
there are 10 policies that would have been affected. the new card was issued and it has been several months that nothing has been reported to the credit bureaus. I am frustrated with the number of messages I have sent the credit card company via the credit card site and phone calls. 
they need to reinstate the information back to the original card and show the payment history that was made on time and in full for the past ( I think it is 51 months ) they need to remove the unauthorized hard inquiry. I have sent them all the documents that they required numerous times and the only response I get is a standard letter saying they are investigating the case and will get back with me within 30 days. this has been going on for 5 months!
Consumer complaint received 2022-01-01
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. (NJ)

I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX
Consumer complaint received 2019-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (TX)

not sure if this was the correct option but definitely involved in my complaint. first all representatives were professional and courteous. however i asked to not receive any correspondence except by mail because I've had difficulty getting any correspondence through phone or by email. i have received emails since then against my wishes and was assured by the customer service representatives that i would not receive any. second i have requested correspondence for re applying for the income based payback program. I was told i would be receiving the re enrollment papers in the mail. and have requested them a total of 3 times. i still have not received them ; but was able to receive the letters stating that the credit was being reversed as long as i was to send in the re enrollment papers. i have never received that re enrollment papers. my credit is being affected by this. secondly i got a letter in the mail around XXXX stating that my loans were about to default. i was on the income driven repayment plan and it was deemed a hardship for me to pay my loans. i had applied each time i was sent papers to do so for years. i never received any papers for to reapply which was apart of the agreement for the income driven repayment plan. it shows that i was 9 months behind on payments in XXXX. in other words i wasn't sent reapplication papers and was switched to another plan without my knowledge and no attempt was made to make mne aware of this. my credit is now been hit very hard due to this. i still qualify for no payments. this sounds very close to the definition of fraud. to date have not received any enrollment paper works which i have been told i would be receiving.
Consumer complaint received 2021-07-29
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. (LA)

I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-07-29
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)

Greetings, I have sent several disputes to the credit bureaus and to no avail. Can you all please assist me in getting these derogatory items deleted from my credit report. Your help will be very much appreciated. Please delete these negative unverified accounts. 

XXXX XXXX- XXXX-Unverified account XXXX XXXX XXXX -XXXX- Unverified account XXXX XXXX XXXX- XXXX-  Unverified account XXXX XXXX -XXXX- Non-Compliant-please delete XXXX XXXX  XXXX XXXX-XXXX- Unverified account- delete immediately Thank You for your help, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

I have never had account with Midland Credit Management according to the law, i ask for proof, that I hada account directly with them to put on my credit report, this information is inaccurate, you stated you was able to verify but where is the proof???? How is this possible??? Under the laws of the FDCPA, I have contacted the agency and have been unable for them to have physical proof that this is indeed my debt.
Consumer complaint received 2022-05-26
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: WELLS FARGO & COMPANY (AL)

I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (VA)

My 2020 credit report listed a collection account with XXXX XXXX XXXX. This matter was resolved directly with the original creditor, XXXX XXXX XXXX XXXX. Therefore, no monies were owed and credit bureaus were required to remove this incorrect information. 

XXXX  and XXXX  removed XXXX XXXX XXXX from my report. 

However, despite sending them numerous letters disputing this account, Equifax continues to conclude that this information was confirmed and accurate and will remain on my credit report.
Consumer complaint received 2021-07-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NC)

XX/XX/2021 Kia Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX, Account number XXXX Vehicle Title Dear Sir, Consider this a complaint letter. Here is the story : On or about XX/XX/2021, I mailed a check for {$10000.00}, payable to XXXX XXXX, to your lease end office ( see USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). There is evidence the payment was received and processed. This payment was a payoff of the remaining balance for my lease. My expectation was that I would receive a lien released title within a reasonable timeframe. 

However, as of today, XX/XX/2021, my lien released title has not been received. 

I have called your Customer Service multiple times asking about the status of my title ( please review my account records for the applicable dates ). Each time, they have requested information that has already been submitted on multiple occasions ( Odometer reading, North Carolina Bill of Sale ). Your online portal indicates these items have been received. However, as of today, no one in your customer service group can provide a status regarding my title, and/or when my title will be delivered to me. 

Ultimately, I would rate your customer service as a 2 ( on a 10 point scale, with 10 being the best ). Although your staff was reasonable courteous, they were useless in resolving the issue. This is very poor customer service. 

Anyway, please provide any information related to locating and delivering my vehicle title. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX XXXX Cc : XXXX CFPB XXXX XXXX, President and CEO, Hyundai Motor America, XXXX XXXX XXXX, Vice President, Customer Satisfaction, XXXX XXXX XXXX, Director of Quality and Service Engineering, XXXX XXXX