davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-06
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. (TX)

In XXXX of 2021 XXXX attempted to collect an authorized debt by placing it on my credit report. It was contested and successfully removed. Experian however only removed it from their main Experian Report. They did not remove it from a subset report called " Experian Rent Bureau. '' A report in which most people will know nothing about or assume that its based off the main Experian report. 

Not knowing this report exists I was denied an application for a lease because of the collection. 

This caused me to lose my application fee and also caused great personal embarrassment. 

As Experian Rent Bureau is effectively part of Experian, then their 30 day window to remove the item effectively ended months ago.
Consumer complaint received 2022-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I transferred cell phone services and equipment to two other XXXX customers around XX/XX/XXXX. XXXX did transfer the services but around the Summer of XXXX, they charged me for equipment in the amount of {$490.00} and {$1700.00}. I explained to XXXX and they agreed the account was transferred to XXXX XXXX and XXXX XXXX. 

As of today, the amount for {$490.00} has been sent to a collection company XXXX XXXX that has placed that amount on my credit as the ONLY derogatory debt. The other charge of {$1700.00} is showing late on my credit report from XXXX. I have disputed these charges with the credit bureaus and they reappear. I need immediate help.
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-05-01
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 (MA)

On Monday, XX/XX/XXXX I received a call from Capital One informing me that several authorized users had been added to my account on XX/XX/XXXX. They had wanted to confirm if I had authorized these users and I had informed them that I was unaware anyone was added and that I absolutely did not add anyone. Due to the potential fraudulent situation, Capital One restricted my account so that no unauthorized charges could be made ; I thankfully have not received any fraudulent charges on my account. While Capital One was investigating the issue, they claimed that the people added to my account were in fact legitimately added despite the fact that I, the account owner, told them several times that this was not the case, I never added these ( 4 ) users, and that I did not recognize any of the names. I now have been told that they can not un-restrict my account until they receive the required documentation needed to identify the additional users ( drivers license, SS #, etc. ). To be clear, I never authorized these additional users, I do not want to add these users, they are most likely not real people, and I or the fraudulently added people, will not be sending identification information. 

According to Capital One, my account will remain locked until they get the identification information of the people who were fraudulently added to my account, which will never happen. As a result, my account will remain restricted forever. I have spoken to several people over the past week ( including going to a physical location ) and have not been able to get any farther than this. 

I would like to close my account but i have ~ {$1900.00} in rewards cash that is tied to my card that now inaccessible. I have been informed that there is no way for me to access this cash now. If now close my account, I will forfeit this cash. 

To recap, due to a lapse in Capital One 's fraud prevention, four authorized users were added to my credit card without my knowledge or consent. Capital One 's response was to close my account which will cause me to lose {$1900.00} in cash rewards. This is a lapse in their security that I am paying for.
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the XXXX 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-08-10
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. (NY)

This complaint regards Chases failure to remove a disputed charge from my credit card for an online order that was never shipped nor received. Pursuant to Chases terms of service, customers are not required to pay for charges that are the product of fraud or mistake, so long as the customer makes a good faith effort to correct the issue with the merchant and files a billing dispute with Chase. I have taken all of such steps, as outlined below, but Chase has repeatedly refused to remove the charge from the account. 

I placed a {$2600.00} order on a Chase credit card for balloons purchased on XXXX. Though the card was charged, the balloons were never delivered. I contacted both the merchant and XXXX seeking a refund, but the parties refused to refund the money. Following the procedures outlined by Chase pursuant to a phone call on XX/XX/2018, I filed a dispute to the fraudulent charge. I then remained in contact Chase to resolve the dispute, as outlined in the attached documentation and timeline of events. Between XXXX and XX/XX/2018, I disputed and redisputed the issue at least five times ; each time, Chase rejected the dispute via a form letter. In total, I made in excess of ten separate attempts to communicate with Chase about the issue ; such communications were met with confusion, frequently misplaced records, and in one case a manager who screamed at me over the telephone. Though Chase itself was solely responsible for the protracted process, it now claims that no credit can  be provided for the charge because too much time has elapsed from the transaction date. The incident has cost me significantly due to the fraudulent charge, need to purchase the product elsewhere, time expended, and legal fees in seeking a satisfactory resolution from Chase. 

Given my diligence in addressing the issue and Chases repeated failure to respond to the problem in a satisfactory and timely manner pursuant to its obligations under its terms of service, I am requesting that the CFPB aid in ensuring that Chase remove the fraudulent {$2600.00} charge.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Informed XXXX  XXXX XXXX and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?
Consumer complaint received 2020-07-31
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 (TX)

I have a credit card account with Capital One, on XX/XX/2020, days before the due date, I summitted a payment to pay off the balance, unbeknown to me, Capital One, a week later on XX/XX/2020, had continued to charge me with an interest fee on the paid off balance. This charge lead to Late Fees and more Interest Fees for three consecutive months. 
After calling Capital One to resolve the matter, the wrongly charged fees were waived, but they offered no explanation for the mistake, nor any reinsurance that this type of incident would not occur again. 
My complaint is, why was this error not corrected by the bank, and therefore avoiding damage to my credit score, before me having to call them on a matter that is self-evident, and is this a common practice with Capital One, charging interest fee on the previous months balance for their monetary gain.?
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: Merchants and Medical Credit Corporation, Inc. (MI)

My name is XXXX XXXX, and I have written a formal letter disputing a debt on my credit report placed by a collection agency called Merchants & Medcal Credit Corporation , Inc asking for LEGAL and VERIABLE evidence of a debt belonging to me. 
Merchants and Medcal Credit Corporation , Inc responded to my dispute letter with a bill claiming that this debt is mine. I responded requesting for this item to be removed as a bill is not a form of debt validation, and the proof had to bear my signature. 
Since the second written dispute letter, Merchants & Medcal has decided to bully me with a response stating proof has been provided and they will not respond to anymore of my letters asking for proof nor will they remove the debt that they have not verified. This serves as my FORMAL COMPLAINT as this company is willfully breaking the law and violating my rights as a United States Citizen who has a right to dispute debt and ask for copies of LEGAL DEBT VALIDATION, per the Federal Trade Commission and the Fair Credit Reporting Act. 
Please provide me with a written correspondence of the outcome of this investigation.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/18, I purchased four tires using an XXXX XXXX XXXX credit card from XXXX XXXX. The retailer, XXXX XXXX XXXX, was advertising a " {$100.00} Synchrony Car Car prepaid Visa card by mail '' if I used the Synchrony credit card. On XX/XX/18, I mailed in the application for the prepaid card. The application states to allow 6-8 weeks for the card and it has now been longer than that. I called the number on the  rebate form to inquire about the status. After 25 minutes, I was told I reached the wrong department in the rebate center and was transferred. After 30 more minutes on hold I was told the department I reached was just for General Motors and was transferred again. After another 30 minutes on hold I gave up.
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Foreclosure Due to Denial Loan Modification Requests Trustee : : XXXX XXXX, XXXX Trustee for XXXX XXXX Series Trust Loan # : : XXXX Current Mortgage Servicer : : SPS Select Portfolio - Loan # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers in loan modification denials signed by XXXX XXXX, XXXX Trustee indicating " the loan investor/ Loan owner ( XXXX XXXX-XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 56 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner on our behalf for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX directly for assistance with this matter as they are referred to as the Trustee & Master Servicer of our mortgage which we now understand was a faulty securitization scheme in XXXXThey have indicated that they do not have contact information on the actual investors/loan owner, yet XXXX XXXX XXXX XXXX as trustee and " Master Servicer '' per the XX/XX/XXXX Pooling & Servicing Agreement ( attached (. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests. Additionally, there have been a number of Falsified Mortgage assignments on our mortgage by XXXX XXXX, XXXX. 
Sincerely, XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Consumer complaint received 2020-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I made a purchase from a fraudulent website. I contacted PNC because I knew immediately it was fraud. The charge on my card was XXXX XXXX XXXX instead of XXXX. The representative told me I had to wait until it went through and then go online and file a dispute. I filed the dispute and never heard a thing from PNC. Never got an email confirming the claim was filed or anything. Then I contacted them and they just rudely said we have 90 days to investigate this claim. I switched from XXXX XXXX which was a huge mistake. XXXX XXXX would have credited my account for the charge and cancelled my debit card immediately. Then overnighted me a new debit card. PNC DID NOT EVEN CONTACT ME! On XX/XX/XXXX I made a complaint with the XXXX On XX/XX/XXXX I had charges show up on my account for XXXX, three for the exact same amount. Two of the charges the next day turned into XXXX charges. Again fraud on my account. I contacted them by XXXX XXXX and again no help. I was then called by someone from PNC. She was the most unhelpful customer service person I have ever spoken to and just told me we have 90 days to review the claim because the merchant. She told me I can go to PNC online banking and cancel my card. I told her I would make another complaint and she said that's ok because my department will that complaint too. Then she marked the complaint with the XXXX that PNC considers this resolved. She did not resolve anything. I can not believe how horrible this bank is!
Consumer complaint received 2020-07-31
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. (SC)

On XX/XX/2020, I received an email from Experian suggesting I click on Boost My Score, which supposedly uses bills that you pay through your bank account that are not reflected on your credit report to boost your FICO score. Before doing this, my Experian score was XXXX. After clicking Boost My Score, my Experian FICO score dropped 36 points to XXXX.
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: EQUIFAX, 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
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (TX)

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$18000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$21000.00}. We were asked to close on XXXX. 

We purchased our home in XX/XX/XXXX. We are entitled to a title premium discount of 50 % according to the Texas XXXX : XXXX XXXX XXXX 

On XX/XX/XXXX, I requested an updated Closing Disclosure for us to sign, reflecting the new XXXX XXXX  XXXX amount quoted in the email, and also reflecting the premium discount. I received the following response on XX/XX/XXXX : " You signed a closing disclosure at the end of XXXX, that took care of the 3 day waiting period. The title company is working to balance and finalize docs and I should receive it tomorrow. The title premium discount lowered the premium for the title insurance, the lowered title insurance premium is shown on the last closing disclosure that I sent you. '' It is now XX/XX/XXXX. According to ( 1026.19 ( f ) ( 1 ) ( ii ) ( A ) ), we are supposed to receive a Closing Disclosure with the exact XXXX XXXX XXXX three business days prior to closing. 

XXXX is a Tuesday. Walking backwards : Monday, Saturday, Friday marks three business days, ergo Thursday XX/XX/XXXX is the latest we should have received the Closing Disclosure. 


On XX/XX/XXXX, I instructed SoFi to cancel the closing pending the outcome of this complaint.
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (AL)

I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, XXXX, Equifax and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately. I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
Consumer complaint received 2022-02-06
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I had a XXXX paycard from my work which is XXXX. Well one time in XX/XX/XXXX I had gotten a text stating that I won a phone and I just had to pay {$1.00} shipping. So XXXX me fell for it and this was the ONLY TIME I had ever put my card information in. As soon as I did that it cut me off the page and I couldn't find it again. I was nervous hoping I hadn't been scammed so I kept an eye out on my account. On XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX there was a purchase made for {$89.00} to an XXXX  and I had never heard of this place. I live in Tennessee and all of my transactions were made in Tennessee. Well this place said it was Arizona. I tried to look up place online which said it was a fitness place.So I talked to XXXX they opened up a case but said I made the purchase and I know I didn't. So they gave me the number to call the place which when they answered they said XXXX and they would transfer me to XXXX which here I went again XXXX me. Oh and XXXX said in their report it was a clothing store going out of business. Well when I was on the phone with supposed XXXX they kept asking if I had bank account, etc. So I hung up on them and tried to reopen case with XXXX which eventually I seen on the web that the XXXX was a scam site. Well I never got my money back because they said I made the purchase which I didn't. The only thing I could think of was when I put my information in for that {$1.00} shipping for the phone. So its XX/XX/XXXX and still no money back and XXXX  just quit talking to me and now I don't have that card anymore because XXXX sold to XXXX which different card for pay so I got a bank account. But ... XXXXcan u please get my money back to me because I know I didn't do this and I can't get them to believe me so I hope u can help... thank you!!