davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (GA)

Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX} account number XXXX XXXX XXXX XXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I received a copy my current consumer report and immediately noticed inaccurate addresses, misspelled names and completely different phone numbers that do not belong to me. Under the FCRA my consumer reports should reflect accurate information at all time. This is a clear violation of that.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX {$1000.00}, XXXX {$1600.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXX/XXXX   {$1100.00}, XXXX XXXX {$810.00}, XXXX XXXX XXXX XXXX {$240.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2018-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diaz & Associates, Inc. (TX)

On XX/XX/2018 the company Diaz and Associates contacted my human resources department at my employment. They stated that they were trying to set up a time for me to meet with the sheriff 's office off site. I told them the debt was not mine. I sent them a cease and desist letter by mail, fax and also email at XXXX. 

I received a voicemail at XXXX on Monday, XX/XX/XXXX, another voicemail on XX/XX/XXXX @ XXXX XXXX and another voicemail on XX/XX/XXXX @ XXXX XXXX. regarding this debt. The last two voicemails from someone named XXXX. They have disregarded my letter stating not to contact me. Also they are misrepresenting themselves as a law office that will send the sheriff 's office to my home or work.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incomplete and inaccurate information on my credit report. I have attached the proof and a letter describing each piece of inaccurate and or incomplete information. Under the FCRA I have a right to know what is in my credit file and I have a right to 100 % accuracy and complete credit reporting. Transunion has not provided this information. This gives cause for concern regarding identity theft issues having incorrect personal information and accounts that have not been verified. I never gave Transunion permission to put anything in my credit report. I have the right to direct whether or not I want information about a transaction to be reported. My right to privacy has been violated and I do not appreciate that. These are my rights under the FCRA that Transunion has on their own website. I take my right to XXXX XXXX complete and accurate data on my report seriously. I take my rights under the FCRA seriously. Please make sure to not report any transactions on my credit report. I did not give Transunion or anyone else my written permission. Under the FCRA it says, " reported info can not be ONLY transactions and experiences between the consumer and a company. '' All data on my report are transactions between I the consumer and a company. According to the FCRA you have 30 days to provide me with the information I requested or be in violation.
Consumer complaint received 2022-03-08
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

ON XX/XX/XXXX I REC 'D EMAIL STATING I AM LATE ON MY CREDIT CARD PAYMENT. I CALLED CREDIT CARD COMPANY AND THEY SAID IT WAS MEMBERSHIP OF {$19.00} A YEAR AND NOW ITS DOUBLED BECAUSE IT WAS NOT PAID ON TIME. I SAID CARD WAS CANCELLED LAST YEAR AND THIS CARD HAS NEVER BEEN USED AND WAS NEVER ACTIVATED SO HOW CAN YOU SAY I AM LATE AND IT IS REPORTED TO CREDIT BUREAU AGENCY. THEY KEPT HARASSING ME TO MAKE A PAYMENT AND THEN THEY WILL CLOSE MY ACCOUNT. I SAID I HAD REQUESTED TO CAPITAL ONE LAST YEAR TO CLOSE MY ACCOUNT AND THIS CARDS WERE NEVER ACTIVATED. ( AND I DON'T EVEN HAVE THEM AFTER LAST YEAR I CLOSED THE ACCOUNT ) THEY SAID THEN IT WILL TOWARDS YOUR CREDIT AND IMPACT NEGATIVE.I DONT MIND PAYING THEM BUT THIS IS NOT FAIR TO CUSTOMER THAT THEY CLOSE THE ACCOUNT AND NOW THEY SAID I NEVER CANCEL MEMBERSHIP SO THEY REPORTED MY LATE PAYMENT TO CREDIT BUREAU AGENCIES.PLEASE HELP I PAY ALL MY BILLS FIRST BEFORE I EAT. WE HAVE GOOD CREDIT AND THIS PEOPLE ( CAPITAL ONE ) IS TRYING TO RUIN MY CREDIT.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}, XXXXXXXX XXXX {$1600.00} Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XX/XX/18 a dispute was sent to company regarding XXXX XXXXXXXX XXXX # XXXX {$3100.00} and XXXX XXXXXXXX XXXX # XXXX {$940.00}. Per the certified mail receipt, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (NC)

In 2004, I took out a student loan through Key Bank, for XXXX University. After XXXX getting a job, I made payments ( an occasional forbearance or college coursework default ) for about 4 years. Then, after losing a job and becoming late on some payments after XXXX, they suggested I put my loan in my last economic hardship forbearance around XXXX ( 6 months of no payment ) I agreed. The next month I got another bill. They said they back dated my forbearance and I still would need me to pay for the rest of the loan, monthly, starting the same month I applied for my forbearance. I knew I had been taken advantage of but could not do anything. They called reguarly for another month for money ( that I didnt have since being placed on unemployment ) and after not having a payment said they were going to charge it off, unless I came up with 10,000 dollars. They hit my credit report the whole time and have since then put the charge off date as late as possible to stay on my credit report as long as they can ( I diputed them and have to write each agency to update information ). The money I paid did n't account for anything, the last of my XXXX forbearances did not count and from the time they said it was charged off to the date on my credit report was wrong. For the past 2-3 years it has hurt my credit and will continue too, for XXXX more. I XXXX when I was XXXX, had XXXX okay job, from college, that did n't fit, now, I am XXXX, trying to be a XXXX, that at XXXX, will not have a chance at a house, business or car loan for at least a half of a decade!
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (OH)

I interviewed and accepted a new job. A week later the company sends me two checks for training/work materials to get started. I physically take the two checks into a local chase bank, they accept the deposits and are approved. A few days later the funds become available, and the company instructs me to send the funds to suppliers to purchase the training/work materials. Days later I get a notification that the checks have been retuned and the accounts have been closed so my checking account is immediately overdrawn by {$6500.00}. Chase takes the little money I have in my checking and savings wiping out all my money with on help. I try contacting the company ( XXXX ) and they don't respond, come to find out I was a victim of job fraud, and this was no ordinary fraud this was highly skilled individuals using the companies material, doing this to people across the nation. Chase takes no liability in letting me use funds from these deposited checks, didn't notify with any concern or inform me to wait any amount of time after the funds became available. I now have no money, can't buy food or anything at all. I met with the local branch manager, and he can't believe this is how Chase treats there customers who are victims of fraud.
Consumer complaint received 2022-07-25
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-08-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau (CO)

I have tried several times to resolve this account with this collection agency XXXX XXXX. I was never notified if the debt, it was found on my daughters credit and when we called to verify it, they are trying to collect from myself and daughter on the same account. She was covered under Medicaid in the state of Oklahoma on date of services and also 18 years of age so this should not be a debt in my name to begin with I have sent the documents providing proof that was covered to the collection agency. On Friday XX/XX/2018 I called to see if had been updated and removed, I was told they could not talk to me about it because it is in dispute. I said are you telling me you cant discuss my own account with me and Im the one disputing this, she replied yes. Myself and daughter have tried numerous times to clear this up and have removed from the credit report to no avail. On XX/XX/XXXX I received a letter still requesting payment from the collection agency. I need help getting this resolved. It can not possibly be legal to try to collect the same debt from 2 different consumers
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the XXXX  data breach, and this problem could be the result of someone using my information fraudulently.
Consumer complaint received 2018-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. THANK YOU
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

I had a mortgage loan through Round Point Mortgage and serviced through their Roundpoint Mortgage servicing department. We closed the loan through the sale of our home on XXXX XXXX. At the time of the sale of our home we had a balance of {$2700.00} in our escrow account and we ca n't get it refunded to us by Roundpoint Mortgage Servicing. Each time we call we are given a new excuse ... it takes 7 to 10 days, it takes 10 to 15 days, it takes 20-30 days. It has been nearly 60 days since we closed and yet no refund of our escrow account They claimed they sent it but we never received it and when asked to stop payment and resend, we keep getting the run around. I have called 8 times in the past week asking for managers, supervisors etc and no one will return my call regarding this refund. Any help would be greatly appreciated. Thank you XXXX XXXX
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/18 a dispute was sent to XXXX, XXXX and TransUnion regarding XXXX XXXX # XXXX {$18000.00}, XXXX Loans {$17000.00} Per the certified mail receipts, dispute was received by company on XX/XX/18. FCRA gives the company 30 days to respond. Today is XX/XX/18 and I have yet to receive adequate response.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (GA)

Yes I got an account with self Inc credit repair I completed it on XX/XX/XXXX and I will include and screenshot of the verification where it says that I was going to be deposited into my account on XX/XX/XXXX I have yet to receive it I have contacted him several times to no avail they have blocked it to where I can not chat with them they won't return any of my phone calls they won't return any of my emails the last time I spoke to someone was on XX/XX/XXXX and was told that it would be whenever because they were doing a review on it I said no I have verification where you said it would be deposited on the XXXX they are in breach of contract with me and I've given him plenty of ample time contact you know to see if y'all can help resolve this because the next step I'm taking is a lawyer they owe me {$540.00} and I don't think it's right for them to have a business like this if they're not going to uphold the standards of a contract that's legal and binding because had I filled to oblige to it I wouldn't get anything or they could sue me how is that right
Consumer complaint received 2018-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

We received notice from Nissan motor Acceptance advising us the XX/XX/XXXX XXXX was sold for less than the estimated balance due. When we contacted them to inquire about receiving a copy of the bill of sale and a XXXX showing the actual transaction, they refused to send it. We tried explain that this voluntary repossession was due to fact that we couldn't trade the car in for another. Now they're threatening to send this to a collection agency for money we don't feel we owe. The XXXX insurance company listed it as a total loss in XX/XX/XXXX but never advised us of that and we had Gap coverage too. We have filed a gap claim with the insurance company in XXXX but still have not heard anything from XXXX XXXX XXXX XXXX  regarding this issue. Please advise us if anything can be done to resolve these issues. 
Thank you
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MD)

Wellsfargo financed my 2019 XXXX XXXX car. During the purchase, I was asked if I wanted gap and I said no. After I signed all the paperwork and purchased the car, I received a phone call couple of days after that I must add the gap on my new car or else, Wellsfargo will not finance my car. I was forced to purchase gap and my monthly payment went up more than I planned.
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017, Chase suddenly closed all of my credit card accounts after applying and receiving a new credit card ( My fourth, and I suppose one too many ). At  the same time on XX/XX/2017 my Chase XXXX XXXX card posted its annual fee of {$450.00} and on XX/XX/XXXX my accounts were all shut down. I subsequently contacted Chase phone support to find out more information about the shut down, which they couldnt tell me more about, and what would happen to my annual fee that posted. Phone support told me I would be refunded my annual fee. A month later, the fee wasnt refunded, and I called again. I was told again to be patient, and it would be refunded. Another 2 months later, I called again and was told to be patient again. Six months after the fee, I called the fourth time, where at that point I was told my entire account history has been erased from Chase and there was no longer any information for my past accounts. 

I was told I should fax a letter to a number, which I did. The response after a month was : We understand that you would like to receive a credit for the annual fee of {$450.00} assessed on the account. Our records show that your credit card account was closed with a XXXX balance. We are unable to credit the annual fee since the account has been inactive for several months and can no longer be accessed. 

Fantastic. 

My next step was to go to Chase XXXX support, which was quite friendly and excited to help me out further. After a month of back and forth writing Chase support they told me I would receive a full refund of my fees of my fees. It would take 6-8 weeks to receive. 

After 2 months I received a cashiers cheque for {$95.00} for an entirely different credit card that has been closed for five years. 

So at this point, Ive been in communication again with Chase support for the last two months, and they tell me they will write me when they have more information. At this point its been over 9 months since this dilemma started, and I frankly dont know what to do anymore. 

Can they just take my money? 

I do not have copies of the statement of my credit card, because Chase made my statements unavailable as soon as they closed my accounts. I only have copies on XXXX where I see the fee and the time my account was closed.
Consumer complaint received 2018-08-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (CA)

This complaint in short is about an alleged " debt '' from XXXX XXXX XXXX  with respect to excess wear and tear on a vehicle. The amount in question has been disputed and I feel as though XXXX XXXX XXXX has broken various Consumer Protection Laws under the Fair Debt Collections Practices Act, which is Federal Law, the state mirror called The California Rosenthal Act, and finally Business And Profession Code Violations. 

Please see the attached correspondence to the company that has been sent, which goes into greater detail.
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

Our mortgage was sold to PNC Bank, who then, without notice, raised our mortgage payment for no reason. There was no notice sent to us aside from the bank sending payment coupons with the wrong payment amount on them. Luckily, this amount is an amount we can pay, but it is wrong and illegal to change a contracted payment amount without any notice or explanation from the bank. The bank has since backtracked and said we can pay the old amount, but still this is either extreme incompetence or something worse.