davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I wrote to Chase disputing a {$120.00} charge that was posted on XX/XX/XXXX, described as 'ONLINE PURCHASE XXXX '. Neither my wife nor I purchased anything from a source in XXXX, which is the capital city of XXXX ( XXXX ). In trying to resolve this dispute with Chase, I have been bounced back and forth on phone calls where the dispute department claimed it was a fraud and transferred me to the fraud department, which said it was a dispute issue and transferred me back to the dispute department. Then I got a letter from Chase asking me to fill out a form that I had previously filled out, regarding my dispute. I wrote back to Chase on XX/XX/XXXX, stating that I was tired of getting the runaround and unless Chase could show that the {$120.00} charge was valid, I expected them to remove it, as requested in my original dispute letter. Instead, I today received a letter from Chase dated XX/XX/XXXX, stating that Chase found no evidence of a billing error and was therefore reinstating the charge! I'm not even sure they even removed it, but it's clear to me that they are NOT acting in good faith and are basically taking the easy way out. The bottom line is that the charge was not made by either me or my wife, and the inability of Chase to even provide a phone number or address of whoever made the charge is proof that Chase is essentially avoiding any responsibility for a bogus charge on my account.
Consumer complaint received 2021-08-27
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)

Hello I keep getting the same generic response saying that the account has been verified and accurate but the information is still inaccurate on my credit report under FCRA all information must be true and accurate and if not must be deleted. Please delete this from my credit profile immediately and send me a updated version of my report XXXX XXXX XXXX  is reporting as a charged off account but has been sold to a collection company
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The reason for my complaint is because innovis is reporting an account that's MISSING PAYMENT HISTORY the account is XXXX XXXX XXXX XXXX # XXXX. According to FCRA if an account is reporting INCOMPLETE, INACCURATE or unverified information it must be deleted. Attach to this I am providing you with a copy of my credit report page where it shows the violation also I am providing you with copy of my ID and SS card to prove my identity.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (TN)

I have inquiries reporting on my credit on the dates of XX/XX/XXXX and XX/XX/XXXX from flagship. I had to freeze my credit due to inquiries kept appearing.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (OK)

I submitted a complaint on here the cfpb site to Equifax. This was to simply state that they failed to conduct in investigation about a dispute I mailed certified in XXXX. I still have not received a response. I just got a response on here that did not address my issue at all. It's like they didn't take the time to read it. I will not be played with like this. It is wrong and no entity is above the law. My consumer right continue to be violated and this is not going to fly.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

I settled the debt with midland credit as of last XXXX 2021. I have records that prove the amount we agreed upon. The lawyers office said that they sent a letter, and I also sent a letter that showed the amount agreed upon was paid and settled. It is still showing that I have money owed, when it was paid.
Consumer complaint received 2022-01-21
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. (TX)

On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, XXXX, and Equifax. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Consumer complaint received 2022-01-21
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)

On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, TransUnion, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

I was notified by the credit two different credit bureaus that my account had been closed, this was done without any notice or warning. Upon following up with Comenity Bank, I was told my card had not been used in six months and I was sent a letter on XX/XX/2022 that I still have not received .The representative stated the card COULD NOT be reopened. I am beginning to wonder if this is XXXX, I had an account closed by this same bank due to not using it, However, we were and still are in a pandemic. I think it should be fair practice you let the consumer know what's being done 30 days in advance. They don't know my financial situation just because the balance was XXXX
Consumer complaint received 2021-05-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than XXXX late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank has started to close all my accounts during the COVID pandemic of XXXX without notification. They simply closed my accounts and sent me a letter AFTER the fact. Today XX/XX/XXXX I received three additional letters indicating that they closed my Lowes, Care Credit and XXXX XXXX credit cards after I specifically told them LAST year not to close Lowes or Care Credit because those were emergency credit cards. I have been paying monthly and ON TIME but their letters said I was INCAPABLE of paying my bills - XXXX - PREJUDICED - if I were WHITE this wouldn't be happening. HOW DARE THEY JUDGE ME. I am paying ALL MY BILLS and my business is BOOMING. They are also reporting that the cards were closed by them which FUTHER AFFECTS my credit score.
Consumer complaint received 2021-05-10
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. (TN)

I viewed my credit report and discovered inaccurate information being reported on my credit report I never authorized these Inquires I contact XXXX  about this and I was told I need to report with your company. XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Under the FCRA the credit bureau must report correct information please investigate this thank you.
Consumer complaint received 2021-08-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (VA)

We wired a payment to Principal on our Mortgage for XXXX XXXX in the amount of {$7300.00} to XXXX XXXX on XX/XX/XXXX. XXXX XXXX did not apply {$7300.00} to Principal. Instead, VU divided that payment into 15 single principle and interest payments between XX/XX/XXXX and XX/XX/XXXX labeled as Monthly Payment, Unapplied Funds, or Additional Principal. Around XX/XX/XXXX, we found out the XX/XX/XXXX payment to Principal of {$7300.00} had not been applied to the Principal Balance because we had to do a call regarding a Refi on our Mortgage. As of today, XX/XX/XXXX, this major issue still has not been corrected. 
We have contacted XXXX XXXX numerous times. Our mortgage rep., XXXX XXXX, who has been excellent, opened several cases all of which have been escalated but to no avail. Whats worse, in the meantime, our Principal Balance on our Mortgage is far more than it should be, and we continue to pay higher interest payments, as a result of this grave error. This has been going on for 5 months, its unbelievable. One is left with the impression, that if our last name would have been XXXX, this problem would have never occurred. 
It does not take a month to resolve this issue. The payment mistakes are easy to see in our payment history and need to be reversed immediately into the Principal payment and apply as of XX/XX/XXXX. I will also include a screenshot of the incredible mess they caused. The interest charged on a higher principal needs to be credited to us immediately. And at the very least, a written public apology from the CEO must be issued. We are left with no other conclusion but that XXXX XXXX is oblivious to the impact its grave error has had on an XXXX XXXX XXXX family that has to move every 2 years or worse it is fine with our plight.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

They stopped for awhile with calling me, so I dont remember dates. Ive had dealings with portfolio recovery before and have asked them to only contact me by phone, in writing as required. Ive informed a few of the people I have spoken to that they shouldnt be contacting me by phone and that if it continues I will file a complaint. The last call I got was from ( XXXX ) XXXX Wednesday XX/XX/XXXX at XXXX XXXX.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OK)

BBVA closed and shut down Simple online checking accounts, including mine. They transferred the account on a Saturday, assuring us it would be an easy and smooth transaction but it has been anything but. I have been completely locked out of my account for 3 days now. I have been unable to reach them to unlock my account so I can see my funds and transactions. They have no email or chat help, and I have been disconnected 4 times while trying to connect with their customer service on phone. This is happening to not just me but thousands of former Simple customers, its all over XXXX and XXXX. This is completely unacceptable.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (GA)

In XXXX I returned a vehicle that I was leasing for the purposes of driving for XXXX which was originally leased through XXXX XXXXXXXX XXXX later sold to a company named XXXX, the vehicle was returned to XXXX with no infraction to the contract, and no deficient balance. 

I have been registered at my previous address and at this address, I have not changed my phone number, I have not changed my name I have not changed any other identifying information and no debt of any sort has ever been communicated to me by either XXXX XXXX XXXX, XXXX, or Rock Creek capital LLC. I was notified by mail by XXXX  XXXX XXXX on XX/XX/XXXX, with a letter dated XX/XX/XXXX, regarding an alleged debt. I have reason to believe I do not owe this debt because I paid on time every month and I have never been contacted in any form by Rock Creek Capital , LLC or XXXX or XXXX XXXX about a balance. 

I verified my account was in good standing before and after closing the account with XXXX XXXX. 

I have never been contacted in any way by XXXX XXXXXXXX since closing the account. I verified that I did not infract any clause within the lease agreement before and after returning the vehicle, and I have had no collections activity reported on any of my credit reports since the account was verified closed in good standing in XXXX. 

I certified mailed a validation letter which was postmarked XX/XX/XXXX, and XXXX XXXXXXXX XXXX received it on XX/XX/XXXX. 

I did not receive a response until XX/XX/XXXX, with a settlement letter dated XX/XX/XXXX, from XXXX XXXXXXXX XXXX. XXXX  XXXX XXXX never validated the debt. 

I contacted XXXX at XXXX a number thats located on their website at XXXX XXXX XXXX XXXX said they do not have my records and that XXXX XXXX XXXX bought the company and I should contact them. I was given the following information https : //www.rockcreekcapitalllc.com/, XXXX XXXX or XXXX. Rock Creek Capital is not reachable, when you call it goes straight to voicemail and there is not an option for extension one or two. XXXX XXXX XXXX is attempting to comply with or appear that they are complying with the federal statute, but they are representing a company that has never contacted me, has never appeared on my credit report, and can not be called, and I have never been informed of any debt with the original Creditor " XXXX XXXX XXXX '', which was bought by XXXX. 

I have never been informed of a transfer of debt or existence of debt with any of the aforementioned companies, except the attempt at collections by XXXX XXXXXXXX XXXX. 

I have records of my original lease and all of the transactions from the original lease. So, I am asking to file this complaint against XXXX XXXX XXXX whom I believe is representing either a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (PA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and did not get a response within 30 days, and you are required by law to do so. Please investigate my disputes, thank you.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent in a request for verification on the account : XXXX  On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on Experian, XXXX, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

For the month of XXXX XXXX XXXX XXXXXXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXXXXXX XXXX branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in three different payments, the XXXX  on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I tried calling TransUnion today to get acces to their Mobil app from the XXXX XXXX XXXX XXXX so I could lock my credit file. There is no disclaimer in the XXXX XXXX saying I have to pay for this. I can log in on the website and lock my credit file fine. 

When I called support to discuss this the recording says it could be monitored for quality support. I advised that according to Colorado statute Im allowed to record the call as long as 1 party knew it was being recorded as A COURTESY. they disconnected me with out servicing my request. 

This is another example of corporations assuming they are not subject to local/federal law as and restrictions.