davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/2021 - Submitted merchant dispute with my credit card company XXXX against vendor for charging me for the products that never arrived ( total amount = {$730.00} USD ). 
XX/XX/2021 - Credit for the purchase amount of {$730.00} USD was initially issued by Barclay, but then recharged by Barclay claiming lack of evidence of the product ( s ) purchased. 
XX/XX/2021 - Provide evidence of items purchased and chronolgically listed email communications between myself and the vendor, as well as record of all phone call attempts I made to the vendor. Per Barclay policy, submitted this evidence ( 19 page document ) visa fax to attn : Merchant Dispute and referenced the Case ID. 
XX/XX/XXXX-XX/XX/2021 - Called Barclay 's Merchant Dispute department on XX/XX/XXXX, XXXX, and XXXX to confirm receipt of supporting evidence/documentation fax and to get an update on my case. Each time I called the agents could not provide an update/status. 
XX/XX/2021 - Called Barclay 's Merchant Dipute department again as I've received no word or status. Per the representative, my request to reopen and investigate and be issued the {$730.00} USD credit was denied again for lack of evidence. Agent confirmed receipt of the documentation I submitted and verified all requested/necessary information was in fact included and was not sure why my dispute was closed again. I tried to escalate to a manager/senior level person to no avail. I'm out {$730.00} USD and have tried every avenue to escalate and get my money back but Barclay 's has made it impossible.
Consumer complaint received 2019-08-01
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. (WA)

XXXX XXXX XXXX, XXXX XXXX has been illegally reported on my credit report..I formally disputed it directly with XXXX and Transunion in regards to their illegal reporting and have not received any satisfactory reply..Therefore I am now filing this complaint to stop reporting this erroneous item.. I requested proof of ownership was legal in accordance with the law.. Since credit bureaus were unable to provide me proof within 15 business days as required from receipt of my letter the alleged claim of deficiency will be considered null and void.. They did not remove it that's why I am filing this complaint to make you aware and take care of it.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had a credit card charge off inXX/XX/XXXX with XXXX XXXX XXXX. I paid a settlement of XXXX to XXXX XXXX in XX/XX/2019to clear all balances and to have it removed from my credit report. InXX/XX/XXXX of XX/XX/XXXX they began reporting that I have a late payment which hurt my score. For the last 2 months I have sent receipts and proof that I paid this balance but its been reported to Experian for XXXX as well that I am delinquent when I am not.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX  XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received no notification that my account would be closed.. I went on vacation I tried to use my card and it declined. A few weeks later I received a letter stating the account was closed. I recieved the letter XX/XX/XXXX when I called they said I couldn't reinstate.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX
Consumer complaint received 2024-03-08
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. (CA)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX XXXXXX/XX/2022 I entered into Bank of America in XXXX, NC. I want to file a complaint for discrimination. I was treated unfairly by a banking representative. 
I was trying to explain that I was on vacation from XXXX. I didn't know why my check was being held, when the check was drawn on Bank of America. 

My check was for {$2000.00} I only had {$20.00} in my account. I advise them I needed funds to get back to XXXX with my XXXX, I was traveling with. I told them I understand but I only wanted {$500.00} or maybe {$600.00} to get back home. 
After explaining myself several times. I was advised by representative via that I could take out a loan, open up a credit card or borrow money from a friend or a family member, that there was nothing they could do. 

I was talked down too. I was left unattended several times by a personal banker representative. I was asked personal information concerning my length of employment all because I wanted funds from my paycheck. I felt very XXXX by the treatment I received from Bank of America. 

I suffer from chronic XXXX and XXXX, immediately after that I took XXXX  inside my vehicle.
Consumer complaint received 2018-05-24
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. (MO)

I originally had a credit card through XXXX. At the time of that opened account, I was experiencing difficulties with receiving income due to XXXX XXXX and not being able to work. I was homeless at the time and couldn't pay my bills. This account went into collections with XXXX XXXX. After XXXX XXXX placed derogatory marks on my credit report through XXXX and Trans Union, they sold this account to XXXX XXXX XXXX XXXX. 

In XX/XX/2015 I was awarded XXXX XXXX with backpay for the years I was unable to work. I then called the creditors that I had debt collections with and paid all of my debts in full. I also requested to have these accounts deleted, which was agreed upon. Neither the account through XXXX XXXX or XXXX XXXX  were ever removed. This year i've checked my credit reports, because my score has still been low, even after paying these debts. I've contacted XXXX XXXX and XXXX XXXX to ensure that they remove the derogatory accounts from my credit reports, because they have been having a negative impact on my credit score. XXXX XXXX has removed this account from all 3 credit reporting agencies while XXXX XXXX  has not. I have also written letters to both Trans Union and XXXX requesting that they be removed with no response to my disputes. I am taking it a step further by contacting the CFPB for assistance. 

In this correspondence, I will include the letters I have sent to XXXX and Trans Union ( both  notarized ), I will include the letter from XXXX XXXX stating they are not responsible for the account anymore, and I will include the letter from XXXX XXXX XXXX XXXX stating that the account has been paid and they have removed it from my credit reports. The account numbers for XXXX XXXX and XXXX XXXX are the same.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

We have been disputing a fraudulent charge with Bank of America twice but unfortunately both fraud claims got rejected by BOA. The fraud case happened inside the XXXX  XXXX gas station in XXXX XXXX, XXXX on XX/XX/2020, XXXX XXXX  in our way to the airport. We stopped to fill in the gas tank and the employee at the gas station asked us for the credit card in order to swipe it and make the charge of {$37.00} but the transaction was immediately rejected and we had to pay cash instead. More importantly, at the same moment, we received 2 emails and 2 SMS text messages alerts from Bank of America about 2 unrecognized transactions. 
There were 2 charges made on the card at the same time ( XX/XX/2020, XXXX XXXX ) for {$37.00} and another one for {$470.00}. The problem we are disputing is the second transaction for XXXX by another MERCHANT " XXXX XXXX XXXX '' and according to the email we got from BOA, the merchant is also located in XXXX. When we received the emails, we followed the instructions as noted in the email and took action to deny the unrecognized transaction and we asked the bank to close the account and send us a new card and they did. 
We did not engage in any transactions with XXXX XXXX for {$470.00}. It is absolutely a scam/fraud and we are disputing this charge. Please see the attachment for the 2 emails we received from Bank of America about the 2 transactions and you can check the transaction timestamp. Both happened at the same time when the employee at the gas station tried to swipe the card. 

We are requesting your help to investigate this case with BOA very thoroughly.
Consumer complaint received 2020-02-14
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: Experian Information Solutions Inc. (PA)

I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}
Consumer complaint received 2020-02-14
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. (PA)

I am writing because the following information on my file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XX/XX/XXXX {$6900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$880.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$1800.00}
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, XXXX  and Transunion they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that Transunion, XXXX, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.
Consumer complaint received 2018-05-24
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: EQUIFAX, INC. (WI)

I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, CFPB complaint XXXX was filed against Chase Bank to respond to a Request for Mortgage Assistance sent to Chase Bank by secure message XX/XX/2022 to XXXX XXXX and XX/XX/2022 to XXXX XXXX XXXX 

As of XX/XX/2022, Chase Bank has not responded to the Loan Modification Request and stated in the CFPB complaint XXXX that Company responded that there is litigation involved on XX/XX/2022. 

Within 4 days of the Request for Mortgage Assistance on XX/XX/2022, Chase did not respond to the Loan Modification request that was sent by secure message and sent out a Notice of Sale for my Primary Residence at Sheriffs Auction on XX/XX/2022. 

These missteps and errors by JPMorgan Chase Bank and its attorneys are very alarming and indicate that as a result of these errors JPMorgan Chase Bank and its attorneys are causing very serious problems.
Consumer complaint received 2015-09-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.