davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
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 (VA)

I submitted a dispute on my Capital One Credit Card ending XXXX in early XX/XX/2018 regarding a dresser that was purchased back in XXXX of 2018. The dispute was due to the fact that The dresser received was structurally damaged and unusable. I took pictures of the dresser and sent them to the furniture company the same day the dresser was received and filed a claim with the furniture Company. I was getting ignored by the furniture company none of calls returned and no progress on the claim after roughly 45 days. So I decided to submit a dispute of the charge to capital one. I answered a questionnaire that was sent to me by capital one regarding the dispute and sent it back to Capital One via mail. I also called and advised a representative that the documentation was being sent that same day. However capital one knowing all this info still rebilled this amount back to my credit card.
Consumer complaint received 2018-08-13
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: CORELOGIC INC (TN)

I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2023-07-04
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. (VA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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
Consumer complaint received 2018-08-13
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: General Motors Financial Company, Inc. (TN)

I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 

I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : 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 Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had an account with Bank of America. I ended up losing my wallet and I started getting these notifications that my card was being linked to different things. Couple days later my account was closed by the bank. When I asked, they said they said business reasons. I ended up calling Bank of America at least 12 times and I was put on hold for 20+ minutes each time only for them to answer and transfer me and the call immediately dropped after I was transferred. I finally got to talk to one of them and they said there was a fraud alert on my account and that my account had no valid funds and was negative {$1000.00} and I owe it to them. I dont know whats going but I havent been able to open a new bank account because of this. Also some things with my Social Security number dont work either. Please fix this ASAP.
Consumer complaint received 2018-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I had a loan from Chase, from XXXX to XXXX, with an amount of {$15000.00}. This loan was paid off and I have bank letter confirming that. ( Loan number XXXX ). 

I worked on sell my property and closing date was set on XX/XX/XXXX. Title company search found that this loan is still bonded to my property. I sent bank letter stating loan was paid off to title company and started to request lien release from Chase on XX/XX/XXXX, I got a case number from Chase Lien Release Customer Research-XXXX. Title company only needs to see lien release paperwork from Chase so that closing can proceed last week, but Chase insist that it will take time to complete its own research despite its staff agreed that this loaned was fully paid off. 

When I search online, there are over 2200 complaints ( 1806+473 ) online about mortgage service from Chase , I will attach screenshot. Its escalation office seems busy in handling similar case, which indicate this problem is wide-spread. I like federal agency to know about this. Bank should process lien release 10 years ago as soon as loan was paid off. Who knows whether or not the lien release paper was sent out to county office. Only federal office has its authority to ask them to show evidences, the bank will not show evidence to individual consumer. Bank may be negligent in  processing lien release and put pressure on consumer instead.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Interstate Credit Control (ND)

On XX/XX/2023 this company accessed my credit report and shared information that is inaccurate, false, derogatory, and outdated causing me to be denied an apartment along with a {$40.00} fee by providing a property management company with inaccurate, derogatory, false and outdated information. They also violated the FCRA by not verbally obtaining my permission to access or share any information on my consumer report and this was done in spite of me placing an extended fraud alert on my credit file to inform them that this request must be followed. This is unacceptable and has not only cost me in money but time. This problem has continued despite my prior attempts to resolve it. My next step is litigation. Hopefully this can be settled and resolved before I have to spend more money and time to rectify this matter. Attached you will find recent examples of what my address is. Attached you will also find a copy of one of the judgements that has been paid in full. 2 misdemeanor charges I received a deferred judgement on and I can send a copy if requested by email if asked. Information that is currently on file with this company is inaccurate, false, derogatory, and outdated. FCRA was violated by sharing this incorrect information with property management company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX resulting in their denial on my application. It is not good business practice to provide false information to clients and is misleading to myself as a consumer for them to not follow the laws in the FCRA. These are violations each of which constitutes a {$1000.00} fine should I decide to go to court which if not fixed will be my next course of action.
Consumer complaint received 2022-03-09
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: GOLDMAN SACHS BANK USA (PA)

Goldman Sachs is reporting inaccurate, fraudulent information to the credit reporting agency causing harm and damages to myself. I cant get a hold of the department of the company that could resolve my claim. A supervisor name XXXX gave me a Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

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 2022-07-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-07-31
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. (CA)

I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.
Consumer complaint received 2020-07-31
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. (OH)

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b  ) considering I have never received any means of a billing statement. I have been in the hospital with COVID for a while and recently was released and can now address this matter. I Demand XXXX XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XXXX XXXX, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (IL)

MoneyLion plus XXXX offers a multiple of products. An invitation to join and I did only to discover a bate to get you switch bank to get loans and other products to create a hardship if not careful. My issue is with XXXX product which offers loans with no interest plus ask you to TIP from {$0.00} {$9.00} and asks 2 times plus charge a fee if you request to receive quickly. Should you sign up and this company your banking then you get your check up 2 days earlier. Plus offers product of credit fixing {$19.00} monthly fee in order to receive XXXX. Misleading and discriminatory products. 

My complaint is this company posted repayment on XX/XX/2022 when it should have posted XX/XX/2022 and created an overdraft fee of {$36.00} at my bank. The explanation they gave is thats the date and I had an opportunity to change date, not true. Because the other products/fees posted on XX/XX/2022. Plus because I did not opened an account by changing banks, an account that was a virtual wallet account. Please investigate the fraudulent scam
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

In XX/XX/2019 I applied online for a balance transfer for {$8400.00}. Upon applying I was told the credit card had been approved. The approval did not disclose any other information about the approval. I never received any other documentation about the approval. Finally, a month later I received the card in the mail. Upon registering the card online, I found that a balance transfer had been done for {$3800.00}. I immediately called Fifth Third bank. The customer service rep over the phone could not give me any details about the transaction. I reported this transfer as being fraudulent because I had no idea what this amount was and Fifth Third bank could not give me any details. About 2 weeks later, I then received a letter from Fifth Third that they had completed my request for a balance transfer for {$3800.00} and submitted it to XXXX  XXXX XXXX. I NEVER requested {$3800.00}, therefore, I'm not sure why Fifth Third took it upon themselves to process an amount that was not requested or applied for. I would have preferred them to just turn down my credit card application if they could not approve it for what was applied. Now they are charging me a balance transfer fee of {$150.00}. I have had a credit balance at XXXX  XXXX XXXX for over a month now for the {$3800.00} that Fifth Third Bank sent and I have been trying to get Fifth Third to void that transaction and reverse the {$3800.00} from XXXX  XXXX XXXX. I was told they could not do that. I then contacted XXXX XXXX XXXX and requested they mail me the {$3800.00} credit overage so I can send it back to Fifth Third Bank. I was told by XXXX  XXXX XXXX that is would take 7-10 business days to get the refund check. 

They didn't even contact me with an counter offer. Why would I want to pay {$3800.00} on a credit card with a balance of {$8400.00} and create 2 bills. That defeats a purpose of a balance transfer. Also, if they would have advised me up front that I was only approved for {$4000.00} I would have let them known that I was not interested.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OR)

I received a letter from FedLoan saying the waiver was applied to my account when it has not been applied yet. This was highly distressing as I expect the waiver will lead to loan forgiveness for me. The loan forgiveness group on XXXX explained that this is common practice and to expect waiver to still be applied. But before I knew that, I was in tears at the outcome and stressed about next steps needed to resolve the issue. This is causing undo stress to so many borrowers!
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report and found collection account on my credit report. I am not sure how this happened, but this is a total violations of FCRA and FDCPA, and under these provisions I demand that this account be removed from my credit file as I never had any type of relationship with this company or any company associated with you.
Consumer complaint received 2023-07-04
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MD)

I purchased two nightstands from Macy 's online for {$600.00} using Macy 's store credit card, and returned them later. I called Macy 's customer service before returning the items, and Macy 's representative told me that I was able to get the full refund of {$600.00}. On XX/XX/2021 and XX/XX/2021 respectively, my Macy 's online account showed that Macys refund my store credit credits of {$300.00} and {$290.00} respectively. However, I only received {$280.00} and {$270.00}. Macy 's refused to refund me the {$41.00} I am entitled to get.