davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting 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. (FL)

My husband and I recently went through a mortgage prequalification process with our bank, to prepare for searching for a new home. As part of this process, our bank pulled our credit reports. We completed the prequalification process on this past Sunday, XX/XX/XXXX. Beginning on Monday, and for the last 3 days, we have both received unsolicited calls and texts from various mortgage brokers and companies regarding our " interest in obtaining a mortgage. '' Both of our cell phone numbers are on the Do Not Call List ( since 2003 ) and both of our personal emails are registered on XXXX I am not sure if this current situation technically falls under the definition of a pre-screen solicitation, but that seemed like the closest option to select. 

I have contacted our bank about it also, because we had both opted out of information sharing, and wanted the bank to know what was going on. One of the people who texted my husband specifically said she had received information through the credit bureaus ( XXXX, XXXX, EXP ) suggesting that a recent credit pull was related to interest in a mortgage product, so she was inquiring to see if we would discuss if she could offer better rates. 

Our personal information has been shared, and the irony is that we're being harassed by mortgage professionals, but we haven't even looked at any houses yet. This was just the first step get prepared to be able to look at houses and eventually make an offer. And it's worse than if we just got random mailers about products, b/c this is actually related to a decision we are trying to make that we would have liked to keep private. Certainly don't need the stress of dealing with phone calls from people we don't know about it.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX dollars was deducted from my checking account in the form of a " Monthly Maintenance Fee. '' The bank says I can avoid the fee if I maintain a balance above {$1500.00}, have a direct deposit of {$250.00} or more, or enroll in preferred rewards. I was charged the fee on XX/XX/18.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hard inquiries I did. It aithorize on my trans union credit 1. XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (PA)

I previously filed complaint # XXXX against the Simon 's agency for collecting on a debt that they claimed was owed and I provided proof of payment. Their client, XXXX XXXX XXXX XXXX also confirmed that this was sent to collections in error. The Simon 's Agency fabricated the facts in their response to the CFPB, but stated that the file was not being sent to collections and was being handled. They just reported this to XXXX, which has caused my credit score to drop. I demand that they cease all collection activity and fix the damage that they have done. 
Thank you for your help in making this matter right!
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Both XXXX XXXX and Bank of America " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companies Charge off means that the credit grantor wrote your account off of their receivables as a loss.
They have both gotten judgements and put a lien on the title of my home. I am verified XXXX XXXX and this has been communicated to both parties before and during legal action in the courts was taken. I have written XXXX County Superior Court to no avail. Although I do still owe the money, these companies are breaking the law by double dipping. Why the courts protect the big banks over XXXX XXXX persons is a serious injustice and I would like to see accountability in this matter. Part of being XXXX is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
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: World Omni Financial Corp. (NC)

Last payment of {$7000.00} was received by Southeast Toyota Finance SETF.com towards my car pay off amount as of XX/XX/XXXX. The account balance was confirmed as negative - {$26.00} with SETF.com on XX/XX/XXXX. When I double check my balance on SETF.com by XX/XX/XXXX, I've found new balance {$7000.00}. XXXX is stating that my last payment was reversed back to my bank account, but the bank confirmed that I don't have anything from the merchant. XXXX is refusing to provide any associated information such as return tracking number. I have the case opened with XXXX as well as with the bank for a week. It looks there is a fraud going on with XXXX. What is the next step? Thanks
Consumer complaint received 2018-10-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint on XX/XX/2018 to the CFPB regarding XXXX XXXX failing to validate a debt that they have been reporting to Transunion. This XXXX XXXX account was removed from other credit reports due to not being validated. I would like to know why Transunion is still reporting this debt even though XXXX XXXX has failed to supply any validation of debt to me within the allotted time after my written request? XXXX XXXX also failed to respond to the CFPB complaint and provide the requested validation within the allotted time period. I would like to know how then is Transunion verifying information that XXXX XXXX themselves, and no other Credit bureau has been able to validate? They have not provided me with any documents to suggest they have investigated or validated any information from XXXX XXXX. They just keep sending the same generic response letters to the CFPB complaint and putting the account in an endless rotation of false investigations. Only to reply with another generic response that the company XXXX XXXX has verified that the information is accurate. Transunion has also handled my debt validation requests with XXXX XXXX in the same manner. XXXX XXXX like XXXX XXXX has failed to provide me with any documentation that is signed by me or includes any of my personal information such as social or state DL number. I have also submitted a complaint on XXXX XXXX through CFPB. They have failed to respond to that complaint as well. So again the same scenario that instead of truly investigating the errors on my report Transunion is just replying with a generic standard reply and not validating the debt at all.
Consumer complaint received 2023-03-20
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I signed up with a promotion with Capital One last year XXXX for 0 % interest for 9 months and I'm being charged interest. I called in last month in XXXX, gave the representative the information of when I received the promotion and I redeemed it in my dashboard. She told me should couldn't help me but would transfer it to a department that would contact me in XXXX business days. That department never called me back. I called in again last night. The first representative told me she saw the promotion but couldn't refund the interest and transferred to another department and that representative said he couldn't credit the interest fees and he didn't see where the first person when I called in XXXX submitted a case and now I would have to wait another XXXX days for it to be reviewed. I asked to escalate it and he said he couldn't and there was nothing he could do. I told him I was going to send a complaint because this is impacting me and he just apologized. Meanwhile, spoke with other department because a XXXX payment is not processing. The initial person told me she did something on the back end and to try in 5 minutes. It didn't work, so they transferred me to someone else who was supposed to help. When I was transferred they said I came in unverified and wanted me to give my full account number or ssn to a live person which I told them I wasn't comfortable doing can I type it in. The he said they were closed and if he put me back in the queue I wouldn't get anyone. I asked if I could file a complaint or if someone could call me back and he said they have 20 XXXX for returned calls and that is ridiculous. Now, I'm back on the phone in the morning for another 30 minutes after being on the phone for an hour last night getting the run around and being routed to the wrong places and the multi level verification that only has limited options. This has been an awful customer service experience all around.
Consumer complaint received 2019-05-09
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. (WI)

I have tried several times getting information from Experian regarding Account listed on my credit report with The cash Store Account # XXXX amount owed {$1600.00}. 
I sent several certified letters including 609 letters asking for information provided by the company validating this is my account. That has yet to happened. I also filed for CFPB to look into this matter ; but I haven't heard received anything in writing.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (UT)

I had some fraud on my bank account and Chase bank is helping me with disputes but My bank account went into the negative because of the fraud charges and they are only removing 2 of the nsf fees and not all of them. I have been with chase for 4 and a half years and now feel like they are mistreating me. If I can't get them to resolve this matter I will be leaving Chase for good.
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 — Account status incorrect
Company: PNC Bank N.A. (SC)

I attached a list of transactions for review. I paid off my PNC Bank credit card balance in XXXX of XXXX. Two days after I paid it off I was charged a late fee. I spent weeks making calls trying to get this resolved because everyone was furloughed. As you can see the late fee was refunded on XX/XX/XXXX. You can also see that another late fee was charged on XX/XX/XXXX. Again weeks of phone calls, during the time another late fee was charged on XX/XX/XXXX I finally got a young man on the phone who told me he did not have the authority to remove late charges since one had been removed but he could refund a finance charge of XXXX to help offset the 2 late fees. You can clearly see the {$41.00} refunded on the XXXX statement. I then paid the remaining balance, which was money that I did not owe just to make the situation end. Moving on to XXXX when PNC reported a 30 day late to the credit bureaus for XXXX. I did not even have a payment due in XXXX. Again another week and weeks worth phone calls & written letters met with zero results through the months of XXXX XXXX. I have already disputed with the credit bureaus and PNC has verified the info as correct. Finally around XXXX I just gave up as I operate a multi unit restaurant group and just got too busy to keep turning in circles. Last week I presented this information to a PNC Bank manager and was referred to someone else who has apparently reached out to someone else but told me it was unlikely PNC will remove the late ding on my credit. I also attached what PNC has reported to XXXX as my payments and it also makes no sense with the statements I have provided. There is an obvious cycle of credits in XXXX & XXXX, then a payoff so how could I have been 30 days late in XXXX? It makes no sense. 

I have been building a house since XXXX and am slated to close on XX/XX/XXXX. This mistake on my credit report has cost me 60+ points and is now preventing me from having my mortgage approved, worst case scenario, best case is it will cost me thousands in interest and PMI fees. My Mortgage broker has requested a letter on letterhead stating that PNC acknowledges the mistake and will report it to the three credit bureaus. 

I have worked very hard to build my dream home and do not feel that it is just that a clerical error that could be easily fixed, if someone would just help me, should stand in the way of this. I am hoping we can get this resolved, I am on a very tight time crunch at this point and have exhausted all avenues.
Consumer complaint received 2018-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

While checking my credit report via XXXX XXXX, I saw that a company called " Fifth Third '' pulled a hard inquiry on my credit report on XX/XX/2018. I did not authorize " Fifth Third '' to pull my credit report.
Consumer complaint received 2018-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

I am currently on an a IL repayment plan which is the default plan after I did not recertify my IBR repayment plan. This IL plan is essentially the equivalent of a 10 year standard repayment plan which means my payments still qualify for PSLF. 

I went to the federal student loan website to review other repayment options and ICR was listed as lower. I filled out an application based on this. XXXX had a different calculation method and stated the payment would be significantly higher than that listed on the federal website. They had placed my application on hold and did not process. When I called them in XX/XX/2018, I asked that my application be canceled and make no changes to the repayment plan as it was the lowest and payments still qualify for PSLF. 

They stated they need to do some administrative things on their end to cancel however my loans are in forbearance and in a repayment plan I did not request. I can not even get a standard 10 year repayment plan which would still qualify for PSLF as it is not even offered. The payments in the new plan are higher and do not qualify for PSLF. I have spoken to customer service several times to reinstate the previous repayment plan that I was on as I never requested to be changed over to this new plan nor placed in forbearance. I was specifically told the application was on hold and that my application will be canceled. I am unable to get a timely resolution before the next payment is due.
Consumer complaint received 2018-10-26
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: EQUIFAX, INC. (WA)

Hi, I recently found out that XXXX  XXXX XXXX XXXX , XXXX had done a hard query on my Equifax credit on XX/XX/2018. 

I never used XXXX XXXX XXXX neither do I apply for any XXXX XXXX XXXX service. I'm wondering if this is a sign of identity theft. I'm wondering if somebody else used my SSN and apply for XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-12
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. (AZ)

Hi, my name is XXXX XXXX XXXX. This is a consumer fraud complaint involving CHASE bank, XXXX, and XXXX XXXX. 

As detailed below : I purchased tickets in the amount of {$1400.00} for travel to XXXX in XXXX from XXXX XXXX. I reported a positive XXXX test XXXX before my flight to XXXX XXXX and I could not board my flight. I contacted XXXX XXXX with this information and emailed them my XXXX positive test. I contacted XXXX XXXX 13 times asking for a refund, but I was refused or redirected to rebooking fees of {$1000.00}. At that time, all airlines including XXXX XXXX was giving 100 % refunds due to XXXX. 

CHASE bank was contacted, and charges were disputed multiple times. However, CHASE and XXXX failed to properly investigate my case and validated the charges onto my account. 

We are asking this agency to do a good faith investigation why XXXX and CHASE bank is denying my claim to remove this charge and hold XXXX XXXX accountable for the trouble they have created. 

Timeline and evidence : - XXXX XXXX - Ticket purchased with CHASE XXXX card, XXXX {$1400.00}. ( Exhibit A ) - XX/XX/XXXX @ XXXX - an email was sent to XXXX XXXX with a screen shot of my positive XXXX test. ( Exhibit B ) - XX/XX/XXXX - Phone records from XXXX showing 13 calls to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX communicating my issue. ( Exhibit C ) - XX/XX/XXXX - CHASE received dispute against charges. ( Exhibit D ) - XX/XX/XXXX, XXXX - sent secure message to CHASE about the process of my despite. ( Exhibit E ) - XX/XX/XXXX - CHASE bank issued temporary credit of {$1400.00}. ( Exhibit F ) - XX/XX/XXXX - CHASE validated the charge and rebilled charges. ( Exhibit G ) - XX/XX/XXXX - Reopened dispute with CHASE and cited evidence and attached evidence to their secure message. ( Exhibit H ) - XX/XX/XXXX - CHASE validates charges. ( Exhibit I ) - Merchant contract to chase. ( Exhibit J ) Reasoning : In the Merchants 12-page report ; they stated on page 2 The customer missed the originally scheduled flight and was registered as no show. XXXX XXXX XXXX XXXX was informed upon purchase that now show tickets has no value and wont be processed for exchange and refund. 

They also state on page 5 Sickness and or Hospitalization is a means of a refund. 
It is clear that XXXX XXXX is committing consumer fraud and lying to XXXX  based on the findings and facts that I have presented before you.
Consumer complaint received 2022-07-11
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. (MS)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was forcibly charged at an airport in a third country where the only choices I had was to pay unreasonable fees or lose my belongings. Below is the full story : I & my wife arrived from XXXX XXXX to XXXX on XXXX XXXX by XXXX XXXX XXXX, XXXX  XXXX. I booked XXXX baggage transfer facility at Terminal 1 for loading on XXXX flight XXXX for myself & my wifes travel to XXXX vide XXXX  no. XXXX. I had excess baggage of XXXX for which I was charged AED XXXX ( Charge of XXXX ) 1 ) Customer is allowed to book baggage upto two hours as per screen shot below. I had spoken to XXXX XXXX as per the time stamp of XXXX GST ( XXXX XXXX ) on XXXX receipt while departure time was XXXX XXXX ( XXXX XXXX ) as per screen shot ( Attachment A ) 2 ) As per XXXX website the price per kg from XXXX XXXX XXXX XXXX XXXX per kg when booked at airport while from XXXX to XXXX is not mentioned as per screen shot below from the website ( Attachment B ) Charges for excess baggage from various international location to XXXX is not published XXXX This is violation of the principle of transparency in pricing and fairness in general Attachments a ) Website screenshot showing luggage can be booked 2 hrs in advance b ) Price per kg as per the airline baggage policy c ) Emirates boarding pass of XXXX to XXXX XXXX ( XXXX XXXX ) & XXXX XXXX ( XXXX XXXX ) and Merchant slip showing charges in AED d ) XXXX Receipt
Consumer complaint received 2018-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CO)

Today I received a letter from XXXX XXXX XXXX saying credit that on XX/XX/2018 Your XXXX XXXX XXXX XXXX  was sold to XXXX XXXX XXXX. And the account has been transferred to pre-legal department and they are considering forwarding the account to attorney for possible litigation. This people are threatening me and violating my rights. Since I did not sign any contract with them