davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-07
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. (FL)

On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. I have received no Communication from Visa and Chase said Visa has no phone number to call in this regard. Chase would not let me speak with a manager and acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.
Consumer complaint received 2018-11-07
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. (DE)

There are 2 errors in my credit report which Transunion is keeping them active when the companies closed their end of the complaint. 
1 ) XXXX XXXX XXXX for $ XXXX..Medical bill unpaid : PA Law states that a  company can not collect medical bills for vehicle accidents when insurance company refuses to make payment. 
2 ) XXXX/XXXX XXXX of {$360.00}. This was a stolen gas card that XXXX was fully aware and I was not responsible for payment. 

XXXX from Transunion stated these companies Closed their end on the complaint but XXXX on XX/XX/XXXX did not want to correct the errors and repeatedly stated, they will be off your credit report XX/XX/XXXX. I told her the idea was to correct credit reporting errors as these 2 are. She is making it difficult for me because she does not want to do her job in correcting these mistakes
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-11
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. (CA)

I received a copy of my credit report and noticed some hard inquires that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

in XX/XX/2018 i was 2 months beind on my morgage with ocwen i had onappointment with my relastion ship manager on XX/XX/XXXX he wasnt aval i spoke to on nnother manager he told me since i apply for new modification give me new oppt XX/XX/XXXX when he call me on XX/XX/XXXX he told me my modification was denid and can not accept a payment becouse i/m 90 days late now and he will give me a payment plan wiicth also was denid he said my icome to low i dont know what to do we want to stay in our home
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MN)

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1400.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-04-04
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: PNC Bank N.A. (TX)

On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a continuation of complaint # XXXX, Bank of America NEVER provided any information about the status of the mortgage application, in violation of the terms of the loan application. 

Now Bank of America HAS NOT provided a response to the above referenced complaint. 

CFPB sent an email to us on XX/XX/2022, which said : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. '' Since it is not possible to get a copy of the complaint response from CFPB and Bank of America HAS NOT sent the response to us directly it is necessary to file a new complaint. 

I have to assume that, not only did Bank of America violate banking regulations and the terms of the loan application, there must also be potential illegal financial and borrowing issues that Bank of America is trying to avoid disclosing. If we had received the complaint response, we would have been able to dispute the facts of that response.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OK)

I called Comenity bank they service my XXXX Cc and on XX/XX/XXXX I made a XXXX payment on my XXXX CC and come to find out they ran an audit on XX/XX/XXXX and supposedly due to my credit score went down they decreased my credit limit. I paid on all my CC on XX/XX/XXXX and that increased my credit. I called and the reps at Comenity stated they cant do nothing from their end. I monitor my credit due to Im about to refinance and with them decreasing my credit now it looks again that Im close to my limit.
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX continues to improperly report this XXXX  bill as a late payment and unpaid bill on my credit report. I paid this out of pocket and my insurance paid the balance. I've already explained this to the collection agency and they keep harassing me.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (TN)

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on XXXX XXXX
Consumer complaint received 2018-11-06
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: Experian Information Solutions Inc. (CA)

In XX/XX/2018 I started refinance of my house. In the middle of XX/XX/2018 I was notified by my lender that they are unable to obtain my credit score from Experian. On XX/XX/XXXX I contacted Experian and was told that they have a glitch in the database, they created Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again and was told about the same glitch in their database, they created another Ticket # XXXX and said that it will be fixed within 3-5 business days. 

On XX/XX/XXXX I contacted Experian again, talked to several different people, finally was transferred to a supervisor by the name XXXX, she was extremely unprofessional and not helpful, she said it may take weeks or months for them to fix the issue with my record and score. I asked them for a letter stating that they have a problem with the database, but they rejected giving me the letter. 

As of this day it hasnt been fixed, I can't obtain a loan, lost lock of the interest rate and dont know what to do.
Consumer complaint received 2018-11-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.
Consumer complaint received 2018-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I recently requested a Credit Report from Equifax. I then promptly filed a dispute based on inaccuracies with the credit report. After ample time passes, Equifax sends me an email saying that my report disputes have been responded to. They gave me a report confirmation number to log into. When I went to their website - I typed the same personal information into boxes that was done to file the dispute, then they tell me that the information I typed does not match their records so they tell me that I have to send them US Mail or call toll free number to get status of credit report. Their technology is sophisticated as such that all inaccuracies can be addressed over the internet but they are making it extremely cumbersome to fix your credit which in turn keeps you finance rates high and benefits Banks and Credit Card Companies. Equifax has done this several times in the past to me and I thing it is time to fight this injustice.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by Experian, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.
Consumer complaint received 2023-04-05
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: CBC Companies, Inc. (CA)

I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2022-03-30
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. (TN)

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX  XXXX XXXX XXXX two times on XXXX XXXX
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I submitted documentation proving that three items should be removed from my credit file. Experian and XXXX refuse to remove them and have stated that they were " verified as correct ''. The letters provided clearly show they should be removed. According to the Fair Reporting Act, they are not abiding by the law. These are XXXX XXXX for XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have some items and information left that needed to be removed & blocked. This is my new attempt to dispute the items and information in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new FTC Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information or items in my file that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX BANK XXXX XXXX Balance Owed : {$5000.00} ==========EQUIFAX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any information or items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification. Please send me the results to the address provided.
Consumer complaint received 2017-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to XXXX  and Experian that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one kept calling my husband AND gave him MY information without my permission. They said they were going to file a judgement, gave him everything single detail of my account. 

XXXX credit card did the same exact thing. Also, my husband keeps getting telephone calls about my debt. I think that they should compensate me just for the aggravation that I have endured!
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

American Express keeps canceling my accounts. I do proceed with an application for a premium charge card then the card arrives within a day or two VIA XXXX overnight rush mail and after a few days AmEx cancels my account arbitrarily. However, they don't forget to charge the annual membership fee and collect on it which is upwards of {$550.00} for a platinum account and {$250.00} for gold accounts. When I call Customer Service I encourage to apply for a new card. I also receive mail solicitation. Every time I apply for a new card ( as recommended by CS ) my FICO score gets a hit. This has happened four ( 4 ) times already in the past 3 months. I feel I am being discriminated against and not sure what to do. Before all the applications my credit FICO score was above 800 which is considered excellent. Hopefully my plea for assistance will effectuate change and stop this criminal activity by American Express.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank has called me repeatedly ( at least 15 - 20 times over the last several months as recently as today and last Saturday ) regarding a Victoria Secret account that appears to be unpaid by a " XXXX '' XXXX. I'm unsure how to spell XXXX 's first name. I do not know or have any association with XXXX and have no idea how Comenity Bank obtained my phone number. Moreover, I do not have any accounts with Comenity Bank nor do I shop at Victoria Secret. 

Comenity 's messages are always urgent, they call throughout the day, on weekends, etc. and use blocked caller IDs. I do not answer as it isn't clear to me that this isn't a form of phishing or other fraud attempt, particularly given I have no association with any of the parties involved. I find Comenity 's debt collection efforts to be abusive, misdirected and unnecessary.