davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

I have numerous disputes on this card, I have taken it as far as their Executive offices and had no help. Because of the number of disputes where I have been charged double for hotel stays. Once on the online booking sites and once at the hotel where I paid my bill.

I am now trying to reconcile this but it is very difficult as I have about 4 different account numbers due to them cancelling my cards numerous times. My credit score has dropped from XXXX to less than 600. I have spent hours trying to reconcile these charges and will continue until this is fixed. 

As the result of your previous investigations got me nowhere and they are saying I owe them the money. I will reconcile this account and then pay only what I owe. If Chase continue this they can take me to court. I've had ENOUGH!!!
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for 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
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/18 I opened a US Bank Checking account ending in XXXX with a promotion for {$200.00} when performing qualifying activities on the account. I can confirm that I met these requirements ( Direct Deposit at least {$1000.00} into the account within 60 days ). 

After speaking with U.S. Bank, they insist I will receive the bonus within 1-2 business days but each time, I do not receive the bonus. 

I believe I have met all the condtions as outlined on the terms and conditions page of the bonus, and even received a reply from customer service that I will receive the bonus.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I had my wallet stolen on the evening of XX/XX/2019, which contained my social security card and state issued ID. I attempted to call capital one to report the fraud and freeze my account, but their fraud department was closed. This is the only card ( of the ones I have ) whose fraud department is not 24 hours. When I called the morning of XX/XX/2019, I was transferred to a foreign call center. The representative was adherant to a script about issuing a new card and would not listen to my concerns about my account information being compromised and having steps taken to prevent fraudelent activity and changes to my account. I was issued a new card and because I could not make any progress with the representative, ended the call to make other calls for the day. On XX/XX/2019, I recieved an email that another new card had been requested on my behalf ( not the one I called for ). When I called again, I spoke with the US fraud department and was told that a fraud alert would be placed on my account and told me my information would not be supplied to anyone calling, only confirmed or denied according to policy. My account was locked to my phone number - seemingly because the thief tried to change the phone number, and I was transferred to the IT department. The IT person could not unlock my account, so transferred me to the foreign fraud department. The representative then read out my phone number, and asked me to confirm. This is concerning becuase my identity is already severly compromised at this point, but now the thief potentially has my phone number too, which will allow them even easier access to my accounts. Repeated calls to Capital One local and foreign agents have been unsuccessful in resolving this issue or securing my account and the representatives seem wholly unconcerned about this issue. I've been told repeatedly that while it is not their policy, they can not keep their representatives from accessing and giving out my personal information.
Consumer complaint received 2015-08-30
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings (MO)

I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (CA)

I have been trying to get a loan modification for over 4 years with my lender ( s ). Last summer I was denied based upon the LTV not over 80 %, but the lender would not tell me what valuation they were using despite multiple requests. The home went back into foreclosure during the fall. The lender said I could re-apply for a loan modification, but kept telling me the application was not complete. They made several mistakes then set up a sale date which they will not postpone despite my loan modification being under review.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sequium Asset Solutions, LLC (GA)

I recently filed complaint XXXX with CFPB. This complaint is in regards to incorrect and inaccurate items being reported on my credit. 

I have emailed this company directly, filed a XXXX  claim, and a previous CFPB case. This information is still showing on my credit report. 

by law : FDCPA stipulates that the collection agency has 30 days to validate and verify claim against me. It has been over 120 and to date I have still not received this information. 

By law the company must stop reporting damaging information to my person or they are in breach of FDCPA and should be fined by CFPB in addition to damages owed to me.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MD)

I'm not sure where to begin but ill try and begin at a relevant point, over 2 years ago I wound up in a difficult life position, I needed a new home and I needed new tradelines on my credit profile. I walked into wells fargo bank and asked about getting a credit card. they declined me because no reporting trade lines ... so I opened a secured card, which I was told would be graduated in 6-12 months by the employees of the branch and is some brochures they showed me. 

I have never missed a payment and paid on time for 2 years, ive asked this card to be graduated many times over the last 18 months and each time I was told its automated. when I made deeper complaints I was refered to the office of the president case number XXXX in which I was told I would have the matter settled on no less then 3 occasions over the last 4 months and each person who contacted me and said I will have this complete in 30 days ..never heard from them again then I would respond to the original email, and a new person would tell me they would resolve the matter in 7 days and forth all the up until now 4 months later.. 

they just billed me again for the annual fee because I couldn't graduate or change products because they are fee harvesting me, I am definetly being abused in this situation and I need your help.. 

the greater point is this, I have paid the account to XXXX balance and I need the deposit to pay off another card which is not secured. these other balances are making my utilization appear higher then it really is as I move toward a refinance of my home. hurting my credit score and driving up the expected rate I will pay on a conventional mortgage..so to me there is more at stake then my deposit my wells fargo card number is XXXX
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The following are unauthorized inquiries into my Trans Union Credit Report. I never applied for credit with the following companies : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (FL)

Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. Tran union, XXXX and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

Received an email XX/XX/22 at XXXX a checking account at Truist Bank was opened in my name. Called them immediately to close the account as this was a result of fraud/identity theft. I then received a notice in the mail dated XX/XX/22 that the closure of checking account number XXXX was finalized. On XX/XX/22 at XXXX, I called a local branch to see if someone opened it in person. XXXX XXXX informed me it was opened online and not in person. Oddly, all correspondence from Truist went to my personal email and my home address. All information on the account matched correctly ; nothing was changed to the scammers information.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

I contacted Check n Go in regards of a Financial hardship and family emergency and I told them l could not pay payday loan for XXXX. 
Also, l wasn't aware of the high interest rate over 40 % and {$300.00} charge on a borrow {$200.00} dollars. 

Check n Go debited my XXXX  XXXX XXXX account ending # XXXX and my account is overdrawn around $ XXXX.and bank charged {$35.00} fees. 
I am respectfully XXXX XXXX and XXXX and on fixed XXXX income. 

Address of Check N Go XXXX XXXX XXXX XXXX California XXXX XXXX www.checkngo.com
Consumer complaint received 2022-07-25
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. (VA)

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for 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
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

I was in the Trial Payment Plan for a Flex Modification with Seterus when XXXX XXXX issued relief options due to Hurricanes Irma and Harvey. My property was effected by Irma. I contacted XXXX XXXX XXXX 's office at XXXX XXXX and was told that Flex Modifications were included under the relief options. When I contacted Seterus to begin the 2nd and 3rd payments, I was told I no longer was eligible for the Modification.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (VA)

I cancelled service with XXXX  in XX/XX/XXXXand the company continued to bill me. I was told packaging to return the equipment in days but I did not receive packaging until months later. I sent the equipment back and received a bill with XXXX dollars added to the regular bill. The company stated they did not get the equipment back and continued to bill me. Three months later, I received another bill with missing cord added to the bill. Now a collection agency, that I am unable to speak with, sent me a letter saying I owe XXXX but will accept XXXX. I have called 5 times today, XX/XX/XXXX, and I have been cut off 5 times. They asked for my Social Security number which I refused to give but gave them my address. As I began to speak, I was immediately cut off. I do not owe this bill and I have made all the attempts I plan to make regarding this matter. Then my phone start ringing with unknown numbers and I refuse to be subjected to this any longer.
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: Experian Information Solutions Inc. (CA)

I have been a client of XXXX XXXX XXXX for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, XXXX XXXX XXXX decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. XXXX XXXX they haven't recieved it. XXXX XXXX Mailed back a check in XXXX to refund the amount they sent. XXXX says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. XXXX has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at XXXX and still no resolve.