davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (SC)

Several weeks ago, I knew that my XXXX XXXX membership was going to be due at the end of XXXX. I called them, told them to drop my son off of the policy and send me a paper bill in the mail. The XXXX XXXX lady agreed. At the time, I had planned to pay the updated fee on my latest credit card. To this date, I have never received a XXXX bill. Instead, XXXX XXXX charged an old credit card of mine that I never use, CHASE VISA. I would have never known, as I no longer get statements, but Chase contacted me around a week ago via email, asking if this was a legit charge. I said, NO, it was not fraudulent ( although I question that ), but the XXXX company auto charged it and I wanted it removed. Chase said that they would remove it. Meanwhile, I sent an email to XXXX XXXX member care to handle the issue, and she was sorry, but she couldn't, blah, blah, blah. Both companies have been making me the go between for their laziness and mistakes. My husband works midnights. He gives me full permission to handle all the conflict these two companies have called with repeat phone calls to me, but they insist on me waking him up, asking him a million questions, and then letting him give the phone back to me. I see no resolution in sight without both harassing us to no end. I have XXXX and a XXXX XXXX. My husband works 60 hrs a week, and has health issues, too. My XXXX XXXX membership number is XXXX. I had cut up my Chase cards long ago ( and now both are supposed to be canceled ), so I don't know the full numbers, but my husband 's user name on the account is XXXX and the current email is XXXX for that one. PLEASE make them stop! Chase wants me to pay this charge for a service I do not want to get through XXXX anymore. After both screwed up, we got tow service from our insurance company XXXX. 
CHASE PHONE XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX Thank you! 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX phone XXXX email XXXX XXXX
Consumer complaint received 2019-08-26
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. (UT)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. I was never late!
Consumer complaint received 2021-06-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Insight One Solutions, LLC (CA)

I purchased my home back in XXXX during that time my 2nd mortgage has exchanged hands. The last known mortgage company was back in XXXX by XXXX, when I filed bankruptcy and unknown to me it seems this was no longer something you can file bankruptcy on. I reached out to my 1st mortgage company to refinance back on XXXX and that is when I found out there was a lien on the second mortgage which was owned by Sortis. Since the bankruptcy I never received any communication from XXXX or Sortis regarding the sale of the loan including any information regarding my debt obligation. In XXXX I contact Clear Spring Loan Servicing that was handling the loan for Sortis to see if we can settle or come to some sort of agreement and Clear Spring indicated the amount I was offering that the investor would not take my offer. At no point in time did they discuss options with me and phone communication had ceased. In XX/XX/XXXX, I received a notice finally from Sortis that the loan had been sold to XXXX XXXX XXXX. Comes to find out during these last XXXX years the loan has accumulated interest and late fees that totaled up to {$80000.00} on top of the loan itself. Now XXXX XXXX XXXX is claiming the principal obligation and the interest and late fees. In my opinion XXXX and Sortis have violated my consumer rights, I was never given any opportunity to discuss options back in XXXX to now and now forced to pay {$80000.00} in interest and late fees. I find this very unfair to me as a consumer and according to XXXX XXXX XXXX that was unfortunately out of their control.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

3 or 4 yrs ago I signed up for phone service with a company called XXXX XXXX. It was a one time charge of {$110.00} and you would have phone service for life. It never worked. I called several times, sent emails all unanswered. On the bill for my Citi Bank card dated XX/XX/XXXX-XX/XX/XXXX their is a charge for {$110.00} from XXXX XXXX that I did not authorize. In my discussion with a Citi Bank rep I said I wanted to dispute the charge but was told " since I gave them the credit card number I would have to pay it ''. The Citi rep also stated that XXXX XXXX made two attempts at a charge on XX/XX/XXXX, one of which went through, another attempt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As with second attempt on XX/XX/XXXX the attempts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were denied. So her is the question Citi could not answer. What makes the first charge on XX/XX/XXXX valid and the rest not? Also when Citi obviously recognized these were fraudulent charges why did they not reverse of stop the first charge made on XX/XX/XXXX? Lastly at no time did Citi contact me that fraudulent activity had been detected on my account. I have since closed the account.
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX. 
Today I received this bill XXXX from ERC with all the provisions for payments. 
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever. 
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.
Consumer complaint received 2019-08-26
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: PENTAGON FEDERAL CREDIT UNION (IL)

The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars. 

Last year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around. 

Now I have submitted two disputes and I am worried that they also will not be processed correctly. 

I love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.
Consumer complaint received 2020-12-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (AR)

On XX/XX/2020 I filed a dispute with my card company ( Current-XXXX XXXX XXXX ). I attached police reports and followed all directions asked. It is now going on 4 months and this company have not gave me a decision on my claim. I have made numerous of contacts, and they keep telling me it could take up to 90 days for an answer. 

I patiently waited 90 days, and now they say they need additional time, but my card agreement only say a max of 90 days. Now, when I contact them they ignore all my emails. My card was stolen and used frauduently, and I have listed the transactions below : 1. XXXX XXXX {$1000.00} 2. XXXX {$500.00} 3. XXXX XXXX {$650.00} 4. XXXX {$210.00} 5. XXXX {$1000.00} 6. XXXX {$1000.00} 7. XXXX {$820.00} 8. XXXX {$1000.00} 9. XXXX {$500.00} 10. XXXX {$400.00}
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX requested I update my XXXX XXXX Credit Card information, which I gladly did. 

I submitted, per XXXX XXXX XXXX request, copies of the front and back of the following items : 1 ) My Social Security Card, 2 ) my driver 's license, and XXXX ) my Ally Bank statement. I sent these documents twice via XXXX XXXX numbers XXXX XXXX XXXX XXXX XX/XX/2018 ) and XXXX XXXX XXXX XXXX XX/XX/2018 XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX as XXXX XXXX by XXXX XXXX Mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have had this XXXX XXXX credit card for approximately 15 years and have never missed a payment or been delinquent. I have a perfect credit with XXXX XXXX. 

Communications with XXXX XXXXk have led me to believe they are treating me unfairly and unlike other holders of XXXX XXXX credit card. I am not sure if it is racial profiling by XXXX XXXX   because there is no reason my XXXX XXXX credit card isn't working properly. 

XXXX XXXX
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was reported 30 days late on XX/XX/XXXX due to no fault of my own. I had a secured line of credit with Bank of America which was due on the XXXX of every month. Over five years ago I set this account up on auto-pay online through my B of A banking site because I care about my credit and do not want any late payments on my record. Every payment came out on time and posted 1 day prior to the due date until XXXX XXXX. These two months no payment was sent on my behalf and I was not aware of this. I paid off the account in full as soon as I found out. I reached out to numerous B of A customer service reps both from my bank and the credit side and all they kept saying was that the account was set up on auto-pay for only a specified time which I allegedly set up. I never set up an end date, I have never even heard of this process before. Every account I set up on auto-pay is continuous until I manually cancel it. 
I was very upset about not being helped, even after emailing XXXX that I closed all of my accounts with B of A. 
Just today, XX/XX/XXXX I spoke with a rep named XXXX that told me he dug deep into the account and found out that a B of A rep named XXXX canceled the auto-pay without my consent XX/XX/XXXX. I have no idea why anyone would do this. I never requested this or consented whatsoever. At that time I only contacted B of A regarding a lien that was reporting on my home which was incorrect as well. I never contacted them to stop the auto-pay because this would not be beneficial to me at all. I have always been responsible and paid for everything on time. 
B of A refused to remove this late even though it was one of their reps that did this. 
I did not receive statements for the month of XXXX and XXXX either so I did not know my payments didn't come out.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stephen Einstein & Associates, P.C. (NY)

I owe a debt of {$3600.00}. I'v gotten four letters from this debt collector in the same month of XX/XX/XXXX and XX/XX/2018. I called and told then I was on SSI. I was told to send in an Award Letter which I did. Along with the Award Letter I sent in a Judgement Proof Letter. I called a week later after receiving the second so called Summons to  ask if it was receives. I was told it was on file.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I tried to get my credit report from TransUnion. I thought this was a free report. I went through with signing up and I did not see where it said that there is a XXXX XXXX  monthly fee. I was charged the monthly fee plus tax. I think their website is misleading and the payment information should be more prominently displayed.
Consumer complaint received 2022-08-17
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. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose
Consumer complaint received 2022-06-09
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. (NY)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2021-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is my THIRD complaint I have had to make about the lack of responses, the last complaint made I was told by the bureaus they would begin my investigation and send me results, I SITLL HAVE NOTHING, they are flat out LYING to me about my credit!! My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX  and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2022-10-16
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. (WI)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name : XXXX XXXX Account number : XXXX. 






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 2023-05-20
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. (UT)

Experian repeatedly keeps sending me mail to the wrong address not acknowleding the correct address as they've done so before. Why they decided to adopt that address when that box has been closed since XX/XX/23 and they've been sending mail prior to, to the XXXX address as they should be. They need to fix this now! I never gave them permission to send anything to that address. Once the forwarding expires anything they keep sending there will be returned right back to them as it should be! They also keep adding the XXXX XXXX address when I've repeatedly told them to remove it that it's not valid either! They can't seem to follow simple instructions.
Consumer complaint received 2019-08-26
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (TX)

I have an account with Robinhood Securities, LLC. Robinhood does not provide the cost basis of securities in the app or otherwise after a stock forward or reverse split occurs. I've complained about this issue to Robinhood many times. Every other broker I have provides updated cost basis information. Robinhood has refused to make this change, or confirm this information for me. Please mandate that Robinhood provides accurate cost basis information. As a consumer, I am relying on a financial institution to provide me with clarity about the investment products I am buying through their brokerage.

Thanks!
Consumer complaint received 2020-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

This couple has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft. There is over XXXX account with different retAil stores that have me associated with. They removed value city but there are other that are harming me. I recently had my paycheck garnished by a law agency they hired.