davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

At the end of my lease with XXXX, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through XXXX XXXX XXXX has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XXXX i sent the credit bureau a dispute letter with a FTC identity theft report concerning some accounts that were opened fraudulently. They didnt respond to my request to delete the false accounts. I am asking the deletion of these accounts.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After spending hours on the phone with Transunion, I am still currently unable to access my credit report online either through the Transunion main site, the XXXX XXXX Credit Monitoring Site, or through XXXX XXXX XXXX XXXX. As an XXXX XXXX XXXX XXXX, I created an account with the XXXX XXXX credit monitoring site of Transunion, but this page has not worked for the past week and I called to report that it wasn't working. While reporting this, I also reported that I was not able to request my credit reports with Transunion through any of their sites. After numerous calls and several transfers to different departments, I was instructed to pay for Transunion 's credit monitoring service. I informed the representative that as an XXXX XXXX XXXX XXXX XXXX XXXX, it is a federal law that I receive free credit monitoring service. Despite informing the representative of this, she continued to insist that I pay or completely delete my online account and create a new one. None of these solutions made any sense and did not seem an adequate solution to solve the problem, so I asked to speak to a supervisor. Once I was placed on hold with the supervisor, he said he was going to check my " file '' and speak to me in a moment. After being on hold for about 10 minutes, he disconnected the line. When I called back another representative ran me through a couple of steps as we tried to fix the issue, but nothing worked. He placed me on hold again to talk to a supervisor and they once again hung up on me. I was told that there was nothing wrong with my credit file minus a recent address update, so there was no reason why I am not being granted access to my file. Each representative seemed baffled by the issue and unable to assist in any way. After hours of back and forth, I was hung up on yet again with no solution. As an XXXX XXXX XXXX XXXX and a recent victim of identity theft, I would like to have access to view my credit report to monitor for identity related issues.
Consumer complaint received 2021-04-17
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: Atlanticus Services Corporation (MD)

An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a credit card screening and certain that someone fraudulently ran this check against my name. I get instant notifications of any changes, inquiries and such on all 3 of my credit reports. This would've been impossible and unlikely considering I am out of town, overseas on vacation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Hello, The following are the details for the complaint : On XX/XX/XXXX we closed escrow on our primary residence home located in XXXX XXXX, CA Our mortgage broker XXXX XXXX ( XXXX XXXX XXXX, broker XXXX # XXXX, XXXX  # XXXX, Direct : XXXX, XXXX ), included a {$1800.00} charge for interest points that we did not authorize and before signing the escrow / mortgage closing documents, stated that the funds would be reimbursed during the week of XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent us the following email communication stating that the funds would not get reimbursed until the end of XX/XX/XXXX : " As mentioned through our text communication there is a refund due of {$1800.00} to you. I had initially said it would happen this week after recording however, the due date has been changed to XX/XX/XXXX because it has come to my attention that investors are increasing occupancy audits of the files they are funding. If they find discrepancies that can not be resolved, brokers need to repay their full commission. Investors have 180 days to complete these occupancy audits. 

Therefore, if I were to reimburse you and they find an occupancy discrepancy, I would have paid you to do business with me.

I have had 6 audits so far this year with no issues, but since new material has come to light, I need to be sure I will not end up in the negative. 

As I know this is not what we both want, I need to be sure everything passes and there are no issues with my commissions. 

Please mark your calendars and your check will be paid out promptly assuming all is in order after XX/XX/XXXX. Thank you for your understanding. '' We have since further communicated with XXXX and her position is that she will not reimburse the expenses until we move into the property Would appreciate your help! 

Thank you
Consumer complaint received 2020-11-09
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: The Bureaus, Inc. (TX)

I do not have a signed contract nor any contract with The Bureaus. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with The Bureaus.
Consumer complaint received 2021-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TN)

XXXX XXXX and Equifax is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that XXXX XXXX validate the debts they all reporting to Equifax and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. XXXX is reporting a total of XXXX debts of which some appear to be repeating to Equifax. I have requested by letter and phone that XXXX XXXX provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on XXXX  ears by both XXXX XXXX and Equifax. As stated to XXXX XXXX this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.
Consumer complaint received 2019-10-09
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/2021 I purchased a vehicle from XXXX XXXX with Santander consumer USA being the lender I close the deal and on XX/XX/2021 I was called back in to XXXX XXXX. I was deceived into signing a new lease that increased the interest rate payments and total amount on the vehicle after speaking with XXXX XXXX. The issue has been resolved with XXXX XXXX. I was informed that Santander was the one that was responsible for increasing the interest rate for the loan as they had no control over what Santander did. After speaking with Santander they admitted to seeing both contracts in their system then tried to point the blame back at XXXX XXXX. Santander has already been sued for changing the interest rates on customers after a deal had been closed. Santander exposed me to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and a high payment-to-income ratio. Santander was ordered to monitor dealers who engage in income inflation, expense inflation, and power booking. This was not done.
Consumer complaint received 2021-12-10
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. (FL)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I value my relationship with the bank this is not a complaint against capital one. I went on XXXX to hair dresser after they promised me they would honor XXXX dollars for color. they did not keep that promise. I tried to explain this on my time to dispute supervisor. I said initially i want to dispute the XXXX dollars. they ripped me off. Of course they will differ but i know what happened. i was going to get a groupon for XXXX they said we will honor the price they do that to get more money so i avoid groupon. in the end they overcharged me. In addition on Monday XXXX i started feeling pain in my XXXX  XXXX  sure enough i have a XXXX  XXXX XXXX i am still recovering from. i emailed them as likely it was from water being left in my ear which likely occured there. No response from them. I now wish to dispute the entire XXXX dollars. I hope this is clear I also sent back dispute papers to back all up this is for card ending XXXX
Consumer complaint received 2015-06-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (PA)

I have receiving a pre-recorded message of a women voice debt collection agency on from Cti Finiancial with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help!
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

On multiple occasions Chase has waited to debit smaller transactions from my account until a rent check has overdrawn the account so multiple overdraft fees can be charged. For example, they waited to post 4 transactions, that showed as debited from the account but pending, until my {$1500.00} rent check cleared on XX/XX/19. After the check cleared the 4 transactions posted and the charges me the maximum 3 overdraft fees. They have 3 more waiting to post and historically these transactions have not remained in pending for multiple days but there is a pattern of Chase clearing debits to charge fees. This happened last month as well when they hit my account for over 10 overdraft fees
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

Pondered & later applied for credit to buy a car. I have outstanding credit scores from the " Big 3 '' bureaus. Was denied credit based on a report by SageStream ( now XXXX? ) Made request for credit report to determine problem. Letter from XXXX indicated " unable to process request ''. Made numerous phone calls... no response ; not XXXX. 
Letter from XXXX " encouraged '' me to resubmit credit report request. This I attempted, several times. EVERY time received the following response " An internal system error has occurred and we are not able to process your request. Please try again later. '' This has been over a 2-week period. 

I find this outrageous. Where is the CFPB on this? When I search the internet I find numerous complaints against SageStream. What's it take to get action on this?
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank is closing all my accounts with no explanation provided This is a big issue because they are ruining my excellent credit which Ive worked over a decade for, Ive been banking with them for over a decade I need help fighting this I dont know what to do and I am being treated unfairly They are not doing anything about it they simply say they are cutting the relationship with me This is going to ruin my credit and is hurting my life
Consumer complaint received 2020-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america notified me they were closing my direct deposit account and would not give any reason for that.the only thing that they would say is they were closing it and I couldn't do anything about it.the only thing I see is a fraudulentXX/XX/XXXX attempt for XXXX dollar with drawl the bank stopped
Consumer complaint received 2019-08-06
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I continue to be dissatisfied with Capital One response to my complaint. 

I have enclosed Capital Ones Cashback promotion ad. Stating excellent credit is needed mine is exceptional. 800 plus see enclosure. 

I enclosed the Capital One letter stating my GM card is invalid. So I just have one card the cashback card. I asked for a customer list showing multiple accounts including the XXXX card and it was ignored. See Capital One/GMcard letter. 

I'm elderly and applied for the {$200.00} cashback to assist with my budget. Have some compassion. 

I would like Capital One to send me and CFPB their Code of Ethics policy on how to provide customer satisfaction and treat customers fairly. 

This is part of CFPB Case : XXXX CFPB please help. I started a complaint directly with Capital One on XX/XX/2021 with no correct solution. 

Please help.
Consumer complaint received 2021-08-25
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: Experian Information Solutions Inc. (TX)

A complaint was filed on Experian under for not updating my credit report to show XXXX is paid in full. Their response back the you ( CFPB ) that the account was updated. A complaint was filed on XXXX with you ( CFPB ) for not posting my payoff check to my account to reflect a {$0.00} balance since XX/XX/2021 and also failure to report the closed account to all 3 credit bureaus. XXXX finally updated the account to {$0.00} balance recently but did not report my account is paid in full to Experian. The account is still open showing a balance of {$22000.00} and is being counted as part of the debt ratio, credit and/or from receiving a low interest rate. Although have a letter stating the account is closed, this is not acceptable with some banks when trying to obtain a credit. Per XXXX, the account has to show {$0.00} balance on the credit report. Ive asked numerous of times for this problem to be resolved with Experian and with XXXX. Experian will not allow me to file another dispute or call in to file a dispute regarding XXXX. Ive provided the complaint # s that was filed with you ( CFPB ) to show their response back stating the issue is resolved ( which is incorrect ). 
Here are the complaint # s : # XXXX, # XXXX & # XXXX