davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (MI)

I had my American Express account on auto pay, and like all other auto pays, I was under the impression that that would be continuous unless I decided change it. However, American Express ended my auto pay and didnt notify me that it had stopped. During this time, I had assumed my payments were going through like they were in previous months. After I saw that two late payments had hit my credit, I called American Express to figure out why. They were sending paper only updates to an old address, even though I had specifically called and updated American Express with my new address. For the past seven years that Ive had an American Express account, they had always sent notifications to my business address or my personal email so I was really confused as to why this had all stopped. I immediately reinstated the autopay and paid the late payments as well. I then started the process to lift the late payments from my credit report. To this day, all payments are on auto pay, have been in time, and the account is in good standing with American Express.

I had updated my contact info twice with Amex and the only thing i can think of is that it was never imputed.

They said i had to renew my auto pay but when they said they contacted me they had wrong emails and billing address.

I believe the missed payments were in XXXX and XXXX. I noticed it in XXXX when I saw it on my credit report. Please let me know if theres anything else I can do. I hope to hear from you soon. Thank you,
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NJ)

I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.
Consumer complaint received 2018-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/18 I made a checking account deposit for a check in the amount of {$15000.00}. Funds were supposed to be available on XX/XX/18 as printed on the deposit slip. On XX/XX/18 I found out that my entire account was restricted when I went to Chase branch to cash a check. I could not access any of my funds in the account even what was available before I made the {$15000.00} deposit. I made several calls and spoke to the loss prevention team, also visited the branch and spoke to managers. There is no resolution at this time and my account is restricted. The reason for the restriction as they stated is an improper endorsement of the check, so I asked them to return the check so I can go back and get properly endorsed. It appears to me that the funds have already cleared and therefore Chase can not reverse the deposit and return the check. I also contacted the check issuer and was advised that the check indeed cleared their account. At this time Chase is holding entire funds on my account and not just {$15000.00} deposit. There is another deposit hold of {$2400.00} plus funds that were there before this happened. It is unfair that they are doing this, because I need the funds for my family expenses and to send kids back to school. It is causing a great hardship and is completely unreasonable. Please release the funds or return the check.
Consumer complaint received 2022-03-08
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: GOLDMAN SACHS BANK USA (GA)

My XXXX credit card was switched from XXXX  XXXX to goldman sachs XX/XX/2022. I received notices by text and email late XXXX and early XXXX of suspicious activity on the account. XXXX I tried to call to report the card stolen and the purchases on XXXX as not mine. The call took over 2 hours. I had no success having the purchases marked as fraud. I also tried to cancel the account. In addition, I set up the new account with goldman sachXXXX XXXX XXXX to try to report the card stolen, the purchases as fraud and to cancel the account. The website is not operational yet to complete the 3 tasks. I also tried their chat box online. As with the phone and website, the chat box is also not operational.
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-05-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is against Wells Fargo Bank , NA, XXXX ( corporate capacity and/or trustee capacity - of an unidentified trust ), XXXX and XXXX. 
Documents recorded with false information, fictitious entities and incorrect information. No evidentiary support given. These documents were created specifically to foreclose and do not represent any valid underlying financial transaction. More information is attached in the exhibits, which include the body of the complaint and the recorded documents.
Consumer complaint received 2023-01-29
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. (IL)

In my Consumer Report, there are 4 charge offs reporting which is illegal because Charge offs are considered cancelled debt. According to the IRS, cancelled debt is considered income & Income can Not be reported in a consumer report.

The IRS states that cancelled debt is income and the 3 consumer reporting agencies that are reporting the charge offs are not authorized to report. 

I never authorized to report these charge offs to report on my consumer report, as this is defamation, caused Financially and emotionally.
Consumer complaint received 2018-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (GA)

I tried to cancel my gap insurance and the dealership was sold without any notices with a balance being owed to me. After the cancellation from XXXX XXXX XXXX XXXX gap coverage. I have emailed the old owners and the current owners of the dealerships with no result of resolving the balance owed. There is a charge for XXXX for a paint warranty XXXX for gap coverage that should be refunded seeing as I traded the vehicle on XX/XX/2018 XX/XX/2018
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 


XXXXXXXX XXXX  Original Creditor : XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$0.00}
Consumer complaint received 2018-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CITIBANK, N.A. (CA)

Sears mastercard states in writing that they ran my credit without my prior approval and reduced my credit limit from {$6000.00} or {$4100.00} based on a fraudulent basis see their note below : Our review was processed by a credit scoring system that assigned a numerical value to various items on your account ( s ) with us and your credit report I never authorized them to re-run my credit report after the initial credit application this is 3 years after the account was opened.
Consumer complaint received 2018-08-05
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: EQUIFAX, INC. (TX)

The MASSIVE Equifax hack ( XX/XX/2017 ) exposed personal info for the umpteenth time to Hackers. Yet the CFPB & it's incompetent, do NOTHING head XXXX XXXX gave the company a pass and has done NOTHING, a la Trump, to PUNISH the executives @ Equifax who PROFITED from this massive invasion of consumers privacy. The total lack of action by the CFPB, XXXX and the Trump administration is CRIMINAL, to say the least. The government is NOT protecting our credit & financial information. This is total XXXX!!! We pay taxes to government agencies and they do little to NOTHING to help & protect the citizens. Absolutely NOTHING. I'll hire a consumer rights attorney specializing in Credit to help me.
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My vehicle was totaled on XX/XX/2013, I had insurance and GAP coverage for the loan, capital one did not provide the documentation in a timely manner to the insurance company and continued to accrue interest on the loan. The insurance was settled after capital one sent the documents over a year later and I am disputing the amount that was still remaining because the bank failed to send the documentation in a timely manner, and they do not want to remove the balance after being paid what was due on the loan at the time of loss.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. 

During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. 

In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. 

I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. 

I am asking for your assistance in getting a resolution in this matter.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other — 
Company: NAVY FEDERAL CREDIT UNION (FL)

There was a balance on my credit card. I was informed that the money from my savings account would be released ice I paid the balance. After passing the balance, they transfer money from my savings toward the credit card. I was never notified of there intention to close the credit card or to take money from my savings account. Without notice of choosing the account
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

I would like to register a complaint about Nelnet to protest most strongly and urgently the procedure Nelnet used to acquire my personal information and bank informations through, what I believe must be a third party. I am continuously having issue with identity fraud and to find out Nelnet has my personal bank information without my consent on their website database, is very disturbing. I believe this type of practice should be illegal and it a violating my privacy. This is unethical how they proceed to collect costumers personal information and sell it to other companies, without informing the consumer. I would like this issue to be investigated and verify if the way they got my account and personal information was kosher and through standard practice.
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Capital Enterprises, Inc. (CA)

In XXXX, I contracted with XXXX XXXX XXXX to spray my front and back yard for pest once a month. They knew that the gate to my back yard is always locked. I operated a XXXX from my home, so there was always someone at my residence to open the gate and give them access to my back yard. 

From the time I hired XXXX XXXX XXXX they kept charging me for services they did not provide. I told them them to knock on my door when they arrived to spray my yard, so I can open the gate. I also told them to leave a notice on my door, if no one answered the door. They never came to my door and never left any message that they were there for months. Then I started getting calls that my payment was past due. 
I told them that I was not going to pay them, unless they showed proof of the service I requested. They kept harassing me with phone calls. I have not lived at that address since XX/XX/XXXX, and these people are still harassing me to pay them and they know that they did not provide the service. They started by telling me I owed them XXXX dollars, after I told them that I was not going to pay for a service that they I did not receive. They have taken drastic measures by submitting my name to XXXX XXXX to collect {$260.00} from me. This company has submitted derogatory and erroneous information to the credit bureaus, tarnishing my name publicly. 

I reporting XXXX XXXX XXXX to you for you to stop them from pursuing this fraudulently collect debt they say I owe. Someone has to protect we the consumers from these vultures.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (OH)

I contacted XXXX  XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.
Consumer complaint received 2021-05-10
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. (PA)

I sent out it 3 sets of letters to the XXXX, Transunion, and XXXX but nothing has happened I continue to reach out to all of them and I let them know that I have no knowledge of these accounts and also show them the police report I ask that they please remove the items but there response is that my they verified that the account and its mine I sent out letters on XX/XX/2021 and they received them on the XXXX I was told that the police report is valid enough to get the items removed this is hindering me from buying my home