davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Had a car rental for about 2 months, I went in to extend my rental for {$360.00} dollars and was flagged for suspicious activity, I called to confirm it was me and the problem persisted ultimately resulting in Bank of America blocking my card for an entire month, flagging each and every transaction as fraud despite me calling and having the block lifted. Now a month has passed and my card has been charged {$2000.00} which has put my account in the hole, I have tried reaching out about resolution and I was originally told that the bank was making sure I even had the funds, which is absolutely absurd, it's my money and my account. I have been told it is my problem that I used my card during this period and I should just fork over a credit card. I have 2 checks now that I will not see due to my bank taking it entirely, I wouldn't have been put in this position had they not flagged my card repeatedly and then blocked it, also begs to question why it was denied for {$360.00} but authorized for {$2000.00} and that was not flagged as fraud?
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern, Kohls Credit Card online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on Kohls side. 

Im very upset about this confusion. Please delete ... ..I already notified Kohls.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2019-06-13
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: AMERICAN EXPRESS COMPANY (NY)

In response to my original complaint number XXXX, I can not believe American Express is so naive to think that because there's a receipt and signature that it's not a fraudulent transaction. 

Please be advised American Express : The signature is FRAUD, I never signed for it nor did I ever receive any god or services from that Merchant. I lost my card and the fraudster orchestrated al this. 

I seriously can't believe it, American Express is setting an example indicating that a fraudster only needs to sign the receipt to get away with fraud.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX and I am providing an update to complaint number XXXX I filed against Equifax on XX/XX/XXXX. I filed complaint XXXX demanding a block on the items that came from identity theft on XX/XX/XXXX, and Equifax refused to block the items. It has now been 29 days, well past the 15 days given under 15 U.S.C. 1681i ( 7 ) to produce the descriptions of the procedures used to determine the accuracy and completeness of the information on my credit file.

I have not received a full file disclosure in accordance with 15 USC 1681g or a description of the procedures used in accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax is negligent and is continuing to violate my Federally protected rights by committing aggravated identity theft and racketeering activity for reporting these items to my credit file without my permissible purpose. 

XXXX. Inquiry : XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Secured Resolutions, LLC (FL)

Disputed charge on XX/XX/XXXX Been charged by them for an amount of XXXX XXXX since XXXX until present XX/XX/XXXX Called them and spoke to several representatives who have not followed up with this since Ive reached out I called them today to ask for information on this debt. 

It does not show on all three of my credit bureaus. Please help as I am young and being taken advantage of by the system. I dont have much money so XXXX XXXX is a lot I never received notice of this debt, just saw it one day in XXXX XXXX and started paying it before I disputed it. 

The only odd thing I see, is that when I called today XX/XX/XXXX, the lady gave me this address as Secured Resolutions mailing address XXXX XXXX XXXX XXXX ny XXXX.but in XXXXXXXX XXXX  it shows a different address. 

Could this be the reason they havent updated my account?
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (MO)

I spoke with Region Mortgage advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the 7th of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XX/XX/2019 Regions has only updated XXXX that my account is not past due.
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: Experian Information Solutions Inc. (MI)

On XX/XX/2021, at XXXX XXXX  I tried to call XXXX at XXXX since they have a collection on my report for {$1700.00}. 
I was on hold for 20 minutes as they could not find my account. I gave them my social security number like 2 times and they could not still find my account. I was transferred to XXXX and hung up after 35 minutes. 
I have called back on XX/XX/2021, at XXXX XXXX  and they still can not find my account under my social security number. I asked them to send me a letter to have removed my report and they say they can not do that. Yet their collection is not accurate on my report and I want it removed or closed. 
They ask for the account number and what the credit report says, is not an account number of theirs. 
I have disputed this and the reporting agency will not remove this from my report. I want this off my report as the company has no record of my account with my social security number.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I have been making payments regularly on all my college loans without missing a payment except during Grace Periods. Last XXXX, in XXXX 2015, I was given a Grace Period for my other loans because I was facing financial difficulties. I was advised to continue to make small payments. I continued to make payments as advised. My problems with XXXX XXXX XXXX XXXX XXXX started when I sent my XXXX payment prior to receiving their bill. I noticed a late fee charge on my next bill and contacted them immediately. I explained what happened and requested they remove the late charge. The last time I called, their representative XXXX XXXX in XXXX, he insulted and hung up on me when I requested to speak to a Supervisor. I continued to make payments monthly as they continued to increase the late payment charge. There is a discrepancy between my account and the payments I have made. I got a " Second Notice Past Due Payment '' letter today. I never got any previous letter from them notifying me of any past due payment. Your Agency is my last resort to resolve this. I would like a record of all the payments I have made to them. It is my considered opinion that they are overcharging me. Thank you for your help.
Consumer complaint received 2019-07-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Outsource Group, Inc (FL)

This is my third time submitting this dispute. 
COMPLAINT # XXXX COMPANY STATED THEY COULD NOT VERIFY MY IDENTITY, PROVIDED MY LAST 4 OF SOCIAL AND FULL NAME TO COMPLAINT # XXXX. MEDICREDIT INC IS REPORTING ON MY CREDIT A TOTAL {$1900.00}. i HAVE NEVER RECEIVED A BILL IN THIS AMOUNT OR ANY NOTIFICATION THAT I OWED SUCH AMOUNT. I HAVE WRITTEN THE COMPANY TO REQUEST PROOF OF DEBT WITH NO RESPONSE. 

I have attached what they are reporting on my credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently reviewed a copy of my credit report. I am in shock that I have been a victim of identity theft. I found an account on my credit report by the name of : XXXX XX/XX/year> I have no knowledge of ever signing up for this account. The account was not opened by me at all. Please remove this account from my credit report as soon as possible. Thanks in advance! I have also attached my identity theft report as well.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian has reported my credit card account with XXXX XXXX as 60 days delinquent, which is inaccurate. 
Date : XX/XX/2019, XX/XX/2019 XX/XX/2019
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I deposited money at a Chase ATM at the address at the bottom. I put in exactly {$4500.00}, using $ XXXX and XXXX $ XXXX. I immediately called Chase to report it. After hanging up on me twice, they agreed to open up an inquiry and temporarily provide me with credit for the amount. Today, XX/XX/XXXX, they sent me a statement saying that their investigation is only giving me credit for {$2800.00} of the {$4500.00} I reported. I once again immediately called Chase, who hung up on me again, before telling me there was nothing they could do, and providing no rationale or evidence for their claim that I had not deposited {$4500.00}. I offered to provide witnesses to the amount that was deposited. They wouldn't accept it. I asked for the security footage that the investigation team must have reviewed, they declined to provide it. I asked to reopen the case, and they once again declined. I am not sure what to do at this point. I put in {$4500.00}. I have witnesses, including the person who handed me that {$4500.00}, but Chase is not willing to listen. I don't know what kind of investigation they did if they won't even talk to me -- the victim of their ATM 's failure. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Since this is not the first time I contacted the bureaus ( XXXX, XXXX and Equifax ) via phone, online and mail to concerning inconsistencies reporting across all XXXX bureaus on my credit report. 
I have highlighted the items I disputed on the enclosed copies of the reports I received from XXXX different credit monitoring agencies. 
It is my understanding that you will investigate all the items I have highlighted to ensure accuracy and delete the inaccurate information. XXXX are held to authenticate that they're correct to report deficient and erroneously of evident compliance of factual reporting particularly in relations to correct mandatory processes of lawful reporting obligatory complete XXXX formatted compliance of reporting standards. This is not an option. This is violation of my consumer rights. 

Please produce undeniable documented certified proof of claims and the claim 's reporting processes and format complaint status or else stop reporting said claim. 

Please provide me with an update credit report once this process is complete. 
I appreciate your help with this matter.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (IL)

On XX/XX/2023, I received a response related to the overdrafts being charged by U S. Bank. They submitted a letter to the CFPB. I tried to address the matter before the account was closed and it is now at the second collection agency XXXX XXXX XXXX. The XX/XX/2023 letter from US Bank is attached and the collection letter is attached to this complaint. 

With that stated, I have joined a Class Action Lawsuit Against US Bank related to this topic. The attorney firm XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Fax : XXXX are the firm that has coordinated the class action. I have signed a retainer agreement to be represented in the class by the firm. With this stated. This matter is in dispute and U S Bank should discontinue its collection actions until the matter is settled.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (TN)

There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report
Consumer complaint received 2021-03-10
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 has closed my account for no reason and will not help me to get it up and running. They asked me to provide proof of all my information. I provided them with the information on the XX/XX/2021. They responded on the XX/XX/2021, saying that they have decided to close my account. I even went ahead to tell them that I was working online and paypal is the only mode of payment allowed by my employer and they still decided to close it with my money in it, for absolutely no reason. 
Am not sure whether it is a mistake but I haven't received any help from them so I felt I should just file my report here as I feel they are not doing their job properly and its really affecting me a great deal as I use paypal frequently. My paypal email is : XXXX.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I have contacted Santander Consumer USA in request to try and work with my situation as I have been laid off and unable to pay my car loan. Matter of fact, this vehicle has BEEN SOLD to a dealership but as they have failed to payoff the loan, I have been making sure the loan is still getting paid. After I have expressed to Santander that I have lost my job and need assistance ; more than just a month or two extension, they have refused to help. I have even submitted multiple investigation requests in investigating the dealership this was sold to and they have done nothing about this and denied my claim every single time. 
AT THIS POINT, THIS LOAN NEEDS TO BE WRITTEN OFF AND ME TAKEN OFF THE ACCOUNT. THIS CAR DOES NOT BELONG TO ME ANYMORE. I DO NOT POSSESS THIS VEHICLE ANYMORE.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022, I deposited a check into my account in the amount of {$1500.00}. I was told by the teller that funds would be available today. Without any notice I log into my account the bank has extended the hold for another 10 days. I have no money, gas, or food for my family. This is going to make me default on bills and everything when they could simply have told me thus upfront and I would have gone elsewhere. I can't afford this extended hold and frankly feel this is done to XXXX  which continues to perpetuate poverty for us. Bank of America has a long history of discrimination and this is just another one of those practices. They wouldn't let a XXXX  persons kids starve or be without food or gas.. totally unacceptable.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (ID)

i cosigned for my daughter  on XXXX XXXX XXXX XXXX. Loan was thru Ally Financial, XXXX XXXX i believe? XXXX full coverage insurance thru XXXX and gap ins. XXXX XXXX XXXX. On XXXX or very early XX/XX/XXXX it was stolen in XXXX. Everything was turned in. She even tried tow yards. It was never recovered, this was on her birthday. XXXX gave her a rental for a couple of days, we paid rest. They said it was ok. If they were ever late paying, Ally immediately mailed me a bill and i would pay it. It looked like it was off my credit, now full amount is back on with missed payments, i guess since its theft?? On XX/XX/XXXX & XXXX Ally sent me 2 letters, requesting copy of check, we never received it Ally did?? Also want copy of police report. Well XXXX precinct was being set on fire repeatedly, that plus covid, plus not getting paperwork the police say maybe 4 weeks they are backed up, still dealing with XXXX  and covid. They have ruined my credit. I just got denial on a cheap little car {$11000.00} at 8 , % interest. My score has always been very high, now its maybe 600. I cant even borrow $ 8-10,000!! I have called so many times, on hold for 1-2 hours, i have emailed, its just run around Ally letterhead stating they are gap insurance company..makes zero sense. They have paid, or srnt form at least, XXXX for personal possessions in car. I am in Idaho, my daughter   is in Wa. at this time. Its very hard as there was a XXXX  XXXX issue, XXXX XXXX XXXX so she can not go back to get her paperwork and will be divorcing  of course. Insurancecwas in her husband XXXX XXXX ' name Ins Claim/, report # XXXX. I really need this fixed. They had been paying on time, paying insurance and GAP..i have been working on this for months. I understand covid, but that goes both ways and XXXX is getting thrashed the police are few and busy. Can you please tell me what to do? Any info would be greatly appreciated. Ally acct # XXXX. Balance due is {$17000.00}. I can send picture of my Statement of Credit Denial, Termination or Change, i just received XX/XX/XXXX. First one in my life. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ID. XXXX ( XXXX XXXX XXXX. Voice mail does not work. My daughter is XXXX XXXX XXXX XX/XX/XXXX. They sent title paperwork to a wrong address, she finally got it, notarized and has been returned. They have title!! I really need help, this is crazy, we didnt get a check. We cant send a picture, it goes to THEM and will send another police report asap. Thank you for your time and any info. Sincerely, XXXX XXXX
Consumer complaint received 2022-10-10
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (TX)

I was never properly notified of my debt of XXXX. I was only notified once it hit my credit report and I promptly paid it off so I wouldnt damage my score any further. Berlin Wheeler Inc. sent a letter to the wrong address with the wrong name. Berlin Wheeler Inc. stated that on XX/XX/XXXX they sent a letter to my father. On XX/XX/XXXX I was still a service member serving on XXXX XXXX, Ca. I was also told by Berlin Wheeler Inc partner XXXX XXXX that they would contact me via email and it never happened.